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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a fixed-price natural gas or electricity contract likely to save money? ### Answer: The answer to this question will vary considerably by state and how utilities are regulated in your area. In New ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a fixed-price natural gas or electricity contract likely to save money? ### Answer: I would argue: Because the company only offers you this if it can make money from it. What you are basically doin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are bonds affected by the Federal Funds Rate? ### Answer: I'll answer your question, but first a comment about your intended strategy. Buying government bonds in a retirement account is probably ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are bonds affected by the Federal Funds Rate? ### Answer: The federal funds rate is one of the risk-free short-term rates in the economy. We often think of fixed income securities as paying this r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to save for child's college education where one need not commit to set contributions? [duplicate] ### Answer: 529 plans. They accumulate earnings over time and by the time your child goes to col...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to save for child's college education where one need not commit to set contributions? [duplicate] ### Answer: In my opinion, whichever plan or commodity system you use is just supplemental to a v...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to save for child's college education where one need not commit to set contributions? [duplicate] ### Answer: 529 is good. Though, I would avoid other kinds of investments in kids names and or s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to save for child's college education where one need not commit to set contributions? [duplicate] ### Answer: Since this post was migrated from Parenting, my reply was in the context where it app...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Variations of Dual momentum ### Answer: There's a few layers to the Momentum Theory discussed in that book. But speaking in general terms I can answer the following: Kind of. Assuming you understand t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: TOCOM oil in USD ### Answer: TOCOM Crude is a cash-settled blend of Oman and Dubai crude oil, both quoted in USD. The daily settlement price is mark to market, but the final settlement price is base...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why government bonds fluctuate so much, even though interest rates don't change that often? ### Answer: Long term gov't bonds fluctuate in price with a seemingly small interest rate fluctuation becaus...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are U.S. Treasury interest rates are so low vs. other nearly risk-free rates? ### Answer: As I'm sure you are reading in Hull's classic, the basic valuation of bonds depends on the chance of entit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As an investing novice, what to do with my money? ### Answer: I'd keep the risk inside the well-funded retirement accounts. Outside those accounts, I'd save to have a proper emergency fund, not based ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As an investing novice, what to do with my money? ### Answer: 3-5 years is long enough of a timeframe that I'd certainly invest it, assuming you have enough (which $10k is). Even conservatively you c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As an investing novice, what to do with my money? ### Answer: A lot of people on here will likely disagree with me and this opinion. In my opinion the answer lies in your own motives and intentions....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As an investing novice, what to do with my money? ### Answer: I'm normally not a fan of partitioning investment money into buckets but your case may be the clearest case for it I've seen in awhile. Y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: You must mean the current debt ceiling debacle. The meaning of it is: US government is constantly borrowing money (by ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: In principle, a default will have no effect on your bank account. But if the US's credit rating is downgraded, the kno...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: I have been through default in Ukraine august 1998. That was a real nightmare. The financial system stopped working pr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: If you are actually referring to all the political rhetoric and posturing over the debt ceiling issue. That's a long ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: Government default doesn't mean that all US money is immediately worthless. First, the bondholders will get stiffed. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: FDIC is backed by the "full faith and credit of the USA." Well, if the USA defaults, the full faith and credit of the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If the U.S. defaults on its debt, what will happen to my bank money? ### Answer: There are many different things that can happen, all or some. Taking Russia and Argentina as precedence - you may not ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I bring money overseas? ### Answer: This page from TripAdvisor may be of interest. Look at what fees are charged on your ATM cards and credit cards, and consider overpaying your credit card so ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I bring money overseas? ### Answer: I'm an Australian who just got back from a trip to Malaysia for two weeks over the New Year, so this feels a bit like dejavu! I set up a 28 Degrees credit ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Value of tokens bought at an older price ### Answer: You will make a profit in nominal dollars (or nominal units of whatever currency you used to buy the token). Whether you'll make a profit in real ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: He needs to go see a lawyer to find out what all his options are, and the consequences of any of them. The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: It seems likely that the mortgage is not in your boyfriend's name because he never would have qualified if...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: How did the house pass to them? Was it held in Trust? Were they both jointly listed on the deed? If no to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: Rent the property?? Is that a possible solution? Since selling the house is not an option and living in it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: Time for a lawyer. Essentially, regardless of the situation "it's not right" for him to be paying the mort...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: He doesn't have to follow through on this, but he could tell this sister that he will stop making mortgage...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: Dear "benevolent" sister, The mortgage, utilities, and taxes for this home can no longer be paid and the b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Boyfriend is coowner of a house with his sister, he wants to sell but she doesn't ### Answer: That ain't nothing. It's really easy to get "whipped up" into a sense of entitlement, and forget to be gr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment property information resources ### Answer: I personally found the "For Dummies" books, on property investment, very helpful and a great primer. I found them unbiased and very informative, l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment property information resources ### Answer: As user14469 mentions you would have to decide what type of properties you would like to invest in. Are you after negatively geared properties tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if a dividend stock is “safe” and not a “dividend yield trap”? ### Answer: zPesk has a great answer about dividends generally, but to answer your question specifically about yield traps,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if a dividend stock is “safe” and not a “dividend yield trap”? ### Answer: Great answers. Here's my two cents: First, don't forget to look at the overall picture, not just the dividend. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if a dividend stock is “safe” and not a “dividend yield trap”? ### Answer: Let me provide a general answer, that might be helpful to others, without addressing those specific stocks. Div...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: These are two rather distinct questions; only one of which is relevant to a Money web site. In general, the investment is questionable...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: To answer the investment aspect takes a bit of math. First, solar insolation numbers: This represents the average sun-hours per day f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: I have personally known a family in the hills of Southern Oregon, US who lived off the electricity grid. As far as being "possible" ye...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: Although this isn't related to homes directly, as an IT professional I know that wind power tends to be cost effective to the point th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: Solar water heaters are definitely worth the money (if you live in sunny states like South-South-West or Hawaii, at least). In some co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are solar cell panels and wind mills worth the money? ### Answer: Solar water heaters are definitely questionable in the Northeast -- the season when you most need them is also the season when they ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: There are two parts to the hack you descri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: I was at a restaurant in NYC, 1st Avenue a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: At retirement age, your life priorities ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: I'm currently working as an expat, and my ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: One thing not mentioned is that in so call...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: I should think the primary reason is due w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: Political instability and general inabilit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: I know folks who considered retiring to an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones? ### Answer: A lot of good answers, but there’s one mor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: Rates are a complex field. I will assume that context wise you are talking about rates for a individual saver quantities. The two rates you are aski...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: For safety. If something catastrophic happens to your bank and your money is in there you will lose any not covered by FDIC. So if you have a very l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: If by "putting money in the bank" you mean regular savings or checking, then the bond locks a rate for a period of time, whereas your savings/checki...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: There is no single 'market interest rate'; there are myriad interest rates that vary by risk profile & term. Corporate bonds are (typically) riskier...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: It is my understanding that banks pay less than the going rate on savings accounts and require that the person who takes out a loan pay more than th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy bonds in a no-arbitrage market? ### Answer: Bonds can increase in price, if the demand is high and offer solid yield if the demand is low. For instance, Russian bond prices a year ago contrac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are the stocks of competitor companies negatively correlated? ### Answer: Not especially. It depends on why sales have changed. If it's just consumer demand, that affects everyone in parallel rather t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are the stocks of competitor companies negatively correlated? ### Answer: It is important to first understand that true causation of share price may not relate to historical correlation. Just like wit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are the stocks of competitor companies negatively correlated? ### Answer: In theory, say we had two soft drink companies, and no other existed. On Jan 1, they report they each had 50% market share for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? ### Answer: You are in your mid 30's and have 250,000 to put aside for investments- that is a f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? ### Answer: To be completely honest, I think that a target of 10-15% is very high and if there ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? ### Answer: Are there other options I haven't thought of? Mutual funds, stocks, bonds. To buy a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in real estate to rent, real estate to live in, or just stocks and bonds to earn 10-15%? ### Answer: That your asking is a good first step towards taking control of your future. But tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I start investing in property with $10,000 deposit and $35,000 annual wage ### Answer: You want to buy a house for $150,000. It may be possible to do this with $10,000 and a 3.5% downpayment, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I start investing in property with $10,000 deposit and $35,000 annual wage ### Answer: In general people make a few key mistakes with property: 1) Not factoring in depreciation properly. Houses...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I start investing in property with $10,000 deposit and $35,000 annual wage ### Answer: I would strongly, strongly advise against it. Others here are answering the question of, having decided to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I start investing in property with $10,000 deposit and $35,000 annual wage ### Answer: I want to caveat that I am not an active investor in Australia, you most likely should seek out other inve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: $27,000 for a car?! Please, don't do that to yourself! That sounds like a new-car price. If it is, you can kiss $4k-$5k of that price...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: Given the state of the economy, and the potential of a rough near future for us recent grads (i.e. on/off work), I would recommend hold...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: Not long after college in my new job I bought a used car with payments, I have never done that since. I just don't like having a car pa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: Don't buy the new car. Buy a $15k car with $5k down and a 3 year loan and save up the rest for your car. A $500/mo car payment is nuts ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: As a car guy, I wouldn't spend 27 large on anything that wasn't "special" - you'll be looking at for at least the duration of the loan ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: I'd suggest buying a used car for cash, car loans are a bad idea. I bought my last car a few years ago for $8k off of craigslist, and i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: That sounds like way too much for a car! I suggest you get a used car that only has a few years on it and is in mint condition. Not onl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: When I was in that boat a few years ago, I went for the car first. My thoughts: If I get the car first, I'm guaranteed to have a car t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: I generally agree with the sentiment in many other answers that $27K is more I would personally spend on a car if I were in your positi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recent college grad. Down payment on a house or car? ### Answer: Buy a car. Unless you definitely know you are living in the area for a good long time, avoid buying a house and get a car instead. ###e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Protecting savings from exceptional taxes ### Answer: What EU wanted to force Cyprus to do is to break the insurance contract the government has with the bank depositors. The parliament rightfully ref...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Protecting savings from exceptional taxes ### Answer: Don't worry. The Cyprus situation could only occur because those banks were paying interest rates well above EU market rates, and the government d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Protecting savings from exceptional taxes ### Answer: Over the last few years I've read quite a bit about monetary history. I've developed two very important rules from this study: If you follow the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does high frequency trading provide economic value? ### Answer: This is a very important question and you will find arguments from both sides, in part because it is still understudied. Ben Golub, Eco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does high frequency trading provide economic value? ### Answer: You pointed out that HFT does not create ipods are mine minerals. Neither does human trading. HFT is a proxy for human trading. Altho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The Asset Allocation Paradox ### Answer: Asset Allocation serves many purposes, not just mitigating risk via a diversification of asset classes, but also allowing you to take a level of risk that is a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: The Asset Allocation Paradox ### Answer: I recommend you take a look at this lecture (really, the whole series is enlightening), from Swenson. He identifies 3 sources of returns: diversification, timi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting high volatility for high long-term returns ### Answer: This is basically what financial advisers have been saying for years...that you should invest in higher risk securities when you are yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting high volatility for high long-term returns ### Answer: Modern portfolio theory has a strong theoretical background and its conclusions on the risk/return trade-off have a lot of good support...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Accepting high volatility for high long-term returns ### Answer: Modern portfolio theory dramatically underestimates the risk of the recommended assets. This is because so few underlying assets are i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: The best answer to this question will depend on you and your wife. What is 'fair' for some may not be 'fair' for others. Some coup...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: Have you talked with her about this? On the one hand you have a point. Given the prenuptial agreements why should you invest in s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: If you are concerned about it being inequitable due to the prenuptial agreement, discuss the idea of amending the prenuptial agree...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: The prenup complicates things. The traditional vow of a marriage is "What's mine is yours, what's yours is mine". With such a trad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: I'm not going to speculate on the nature of your relationship with your wife, but the fact that you are worried about what would h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I invest in my house, when it's in my wife's name? ### Answer: It is my opinion that part of having a successful long-term relationship is being committed to the other person's success and well...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible for the average person to profit on the stock market? ### Answer: There's a huge difference between "can an anverage person make a profit on the stock market" and "can an average person...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible for the average person to profit on the stock market? ### Answer: Of course. "Best" is a subjective term. However relying on the resources of the larger institutions by pooling with the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible for the average person to profit on the stock market? ### Answer: Given that hedge funds and trading firms employ scores of highly intelligent analysts, programmers, and managers to g...