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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: I'd refer you to Is it true that 90% of investors lose their money? The answer there is "no, not true," and much of 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: Below is a list of rules that will help you to decide what types of products you should be investing in: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can my relatives do to minimize their out of pocket expenses on their fathers estate ### Answer: Also the will stipulated that the house cannot be sold as long as one of my wife's aunts (not the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can my relatives do to minimize their out of pocket expenses on their fathers estate ### Answer: Consider contracting with a property management company to lease and maintain the house until it c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can my relatives do to minimize their out of pocket expenses on their fathers estate ### Answer: Sure, it's irresponsible for an executor to take actions which endanger the estate. But what abou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my rainy-day / emergency fund? ### Answer: First off, you generally want to park your emergency fund somewhere that is "safe", meaning something that is not subject to market fluct...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my rainy-day / emergency fund? ### Answer: I would suggest your local credit union or local bank for security and liquidity. Liquidity is probably the most important issue for a e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my rainy-day / emergency fund? ### Answer: I am using ING for my emergency savings, but sometime last year I discovered SmartyPig. As of 4/24/2010 they offer 2.1%, which is even be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my rainy-day / emergency fund? ### Answer: This is probably a good time to note that credit is not a liquid asset, and not an emergency fund. Credit can be revoked or denied at any...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should I park my rainy-day / emergency fund? ### Answer: Something with an FDIC guarentee, so a bank. With an emergency fund, I think the 'return of capital' is more important than the 'return o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the risk-neutral probability? ### Answer: You have actually asked several questions, so I think what I'll do is give you an intuition about risk-neutral pricing to get you started. Then I thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Prices go up and salary doesn't: where goes delta? ### Answer: Where goes the Delta? To the sea, of course. Your question is very valid and for once, I think most of the answers are too involved into...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Prices go up and salary doesn't: where goes delta? ### Answer: Purchasing commodities (whose prices are increasing rapidly), improving corporate profitability, buying imports (the US dollar is weaker ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Prices go up and salary doesn't: where goes delta? ### Answer: One of the byproducts of free trade is that there is now a global labor market. So companies routinely review their operations and think ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Prices go up and salary doesn't: where goes delta? ### Answer: Salaries normally shouldn't fluctuate with inflation and deflation... Inflation prevents consumers from spending (prices get too high), u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Prices go up and salary doesn't: where goes delta? ### Answer: I expected a word or two on the price elasticity of demand here :) Andrey, Your question needs slight revision in its current form. Risin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement Options for Income ### Answer: I can think of one major income source you didn't mention, dividends. Rather than withdrawing from your pension pot, you can roll it over to a SIPP, invest i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement Options for Income ### Answer: If you withdraw all (or most) of your pension 25% is tax free but the rest is treated as income upon which you will pay income tax at the usual UK rates. With...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement Options for Income ### Answer: I agree that you should CONSIDER a shares based dividend income SIPP, however unless you've done self executed trading before, enough to understand and be com...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “Yield Curve” mean? ### Answer: Great question! A Yield Curve is a plot of the yields for different maturities of debt. This can be for any debt, but the most common used when discussing yi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “Yield Curve” mean? ### Answer: Yield is the term used to describe how much income the bond will generate if the bond was purchased at a particular moment in time. If I pay $100 for a one ye...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do banks lose money on foreclosures? ### Answer: The "just accounting" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do banks lose money on foreclosures? ### Answer: Someone has to hand out cash to the seller. Even if no physical money changes hands (and I've bought a house; I can tell you a LOT of money changes...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is diversification better ### Answer: There are probably 3-4 questions here. Diversification - A good index, a low cost S&P fund or ETF can serve you very well. If you add an extended market index or...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is diversification better ### Answer: Diversification tends to protect you from big losses. But it also tends to "protect" you from big gains. In any industry, some companies provide good products and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is diversification better ### Answer: Diversification is the only real free lunch in finance (reduction in risk without any reduction in expected returns), so clearly every good answer to your questio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Moving from Google Finance to Yahoo Finance ### Answer: Perhaps you should use your own tracking software, such as GnuCash, Quicken, Mint, or even Excel. The latter would work given you say you're ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Search index futures in Yahoo Finance or Google Finance ### Answer: Options - yes we can :) Options tickers on Yahoo! Finance will be displayed as per new options symbology announced by OCC. The bas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Search index futures in Yahoo Finance or Google Finance ### Answer: Neither site offers index futures or options pricing. Your best best is likely to get the quote from a broker who supports trading ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Search index futures in Yahoo Finance or Google Finance ### Answer: Yahoo finance does in fact have futures quotes. But I've found them difficult to search for because you also have to know the expir...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: New car cash vs finance ### Answer: Yes, maybe. Sometimes the mother company (that makes the car) covers a bit of the loss that comes from the super-offer loan, so the dealer loses a bit less. But gen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: New car cash vs finance ### Answer: The question is about the dealer, right? The dealer isn't providing this financing to you, Alfa is, and they're paying the dealer that same "On the Road" price whe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Google Finance show the NASDAQ Composite way up but Yahoo! Finance shows it slightly down? ### Answer: First - Google's snapshot - Then - Yahoo - I took these snapshots because they will no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Google Finance Cash Flow Statement ### Answer: I'm a big believer in pulling the quarterly and or annual statements and deriving your own analysis. The automated parsing systems at Google, Yahoo, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Yahoo finance vs SEC filings fundamentals ### Answer: Sure, Yahoo Finance makes mistakes from time to time. That's the nature of free data. However, I think the issue here is that yahoo is aggregatin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance the land on a non-financeable house? ### Answer: Some lenders will make loans for vacant land, others will not. You have to discuss with local bank what are your plan for the land: live in the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Yahoo Finance shows incorrect data ### Answer: Yes, I see the same problem. Google's version seems to be correct, however. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance options for a new furnace. ### Answer: You walk into the finance company with a written quote from the supplier for the equipment you want to buy. You then fill out forms and sign a promissory...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do query services like Google Finance and Yahoo Finance go back to correct busted and adjusted trades? ### Answer: No. Busts are very infrequent, and if an equity were illiquid enough to be affected, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Basic finance: what should everyone know? ### Answer: The statement "Finance is something all adults need to deal with but almost nobody learns in school." hurts me. However I have to disagree, as a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Yahoo Finance list the 10y T note (TNX) at 1/10 of CBOE and Google Finance? ### Answer: The CBOE states, in an investor's guide to Interest Rate Options: The Options’ Underlying Values Unde...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do finance professionals procounce “CECL”? ### Answer: According to the following links, it is commonly pronounced "Cecil". https://kaufmanrossin.com/blog/bank-ready-meet-cecil/ The proposed mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is yahoo finance P/E Ratio TTM calculated? ### Answer: The correct p/e for bp.l is 5.80. Bp.l is on the London stock exchange and prices are in local currency. The share price of 493 is reported i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How is yahoo finance P/E Ratio TTM calculated? ### Answer: P/E is Price divided by Earnings Per Share (EPS). P/E TTM is Price divided by the actual EPS earned over the previous 12 months - hence "Trai...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal finance management: precise or approximately? ### Answer: If you are off by coins, how can you be sure that you only made a typo and didn't miss a transaction? To start off, I would strongly...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal finance management: precise or approximately? ### Answer: Here is what we do. We use YNAB to do our budgeting and track our expenses. Anything that gets paid electronically is tracked to th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any “Personal” Finance app that allows 2 administrators? ### Answer: We use YNAB to handle our household budget - their latest version allows cloud sync between Android/iOS devices and variou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any “Personal” Finance app that allows 2 administrators? ### Answer: We use mint for just that. We have a "shared" account. We each have the mobile app and share the same pin for the applicat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any “Personal” Finance app that allows 2 administrators? ### Answer: The best solution I've been able to find for this is MoneyWiz, where both are logged into the same sync account. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car finance (loan) insurance requirements (store car) ### Answer: Okay, definitive answer for this particular company (Toyota Finance) is (somewhat surprisingly, and glad I asked) it must be fully ins...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car finance (loan) insurance requirements (store car) ### Answer: Very generally speaking if you have a loan, in which something is used as collateral, the leader will likely require you to insure tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance, Cash or Lease? ### Answer: Now, to buy in full (and essentially have zero savings), buy in part (£10000 deposit, followed by a loan of £4000) or PCP/HP more of the value? So, you are assessin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Google Finance gain value incorrect because of currency fluctuation ### Answer: You can easily build a Google Sheet spreadsheet to track what you want as Sheet has a 'googlefinance()' function to look...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to fix Finance::Quote to pull quotes in GnuCash ### Answer: The Yahoo Finance API is no longer available, so Finance::Quote needs to point at something else. Recent versions of Finance::Quote can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to fix Finance::Quote to pull quotes in GnuCash ### Answer: The yahoo finance API is no longer which broke the Finance:Quote perl module. The Finance:Quote developers have been quick to fix thing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Specifically, what does the Google Finance average volume indicate? ### Answer: I hovered over the label for trading volume and the following message popped up: Volume / average volume Volume is the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online Personal finance with QIF import ### Answer: Unfortunately I don't think any of the online personal finance applications will do what you're asking. Most (if not all) online person finance sof...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance car with or with out a balloon payment ### Answer: That interest rate (13%) is steep, and the balloon payment will have him paying more interest longer. Investing the difference is a risky pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automatical...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: neobudget.com is a website that does exactly what you are describing. It is set up for electronically using the envel...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: MoneyStrands is a site very similar to Mint, but does not force you to link bank accounts. You can create manual acco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: SavingsMap is a web-based personal finance forecasting tool that requires no bank account or personal information oth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: I don't think Xero Personal does. I have my bank account in there, but since there's no automatic feed for the bank I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: PocketSmith is another tool you might like to consider. No personal banking details are required, but you can upload ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any online personal finance software without online banking? ### Answer: Out Of The Dark OOTD is a budgeting and personal money management web app that does not require you to give out acces...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Best personal finance software for Mac for German resident ### Answer: I haven't used it in years, but look at GnuCash. From the site, one bullet point under Feature Highlights: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal finance web service with account syncing in Germany ### Answer: I don't think there is a law against it. For example comdirect offers multi banking so you can access your accounts from other ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Personal finance web service with account syncing in Germany ### Answer: As much as I know StarMoney has also a web service for banking. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to save criteria in Google Finance Stock Screener? ### Answer: There is probably a better way, but you can do the following: (1) Right click on the right pointing arrow next to the "1-20 of xx row...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch ### Answer: Why there is this huge difference? I am not able to reconcile Yahoo's answer of 5.75%, even...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Return on asset (ROA) value for a stock is reported differently on Yahoo Finance and MarketWatch ### Answer: IESC has a one-time, non-repeatable event in its operating income stream. It magnifies ope...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retired, want to buy a mobile home; how to finance? ### Answer: Do you think your 403b will earn more than the mortgage interest rate? If so, then mortgage seems the way to go. Conservative investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to start with personal finance in Canada? ### Answer: There are some great answers on this site similar to what you asked, with either a non-jurisdictional or a US-centric focus. I would read th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting live data from Yahoo! Finance for the National Stock Exchange of India (NSE)? ### Answer: I wouldn't think so. If you read the list of features listed on the page you referred to, notice: Tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What time period is used by yahoo finance to calculate beta ### Answer: Citing the Yahoo Finance Help page, Beta: The Beta used is Beta of Equity. Beta is the monthly price change of a particular co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use Google Finance to backtest (i.e. simulate trades in the past)? ### Answer: I've used yahoo to perform the exercise you're asking about. It allows you to download price data, month end if y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use Google Finance to backtest (i.e. simulate trades in the past)? ### Answer: If you use Google Finance, you will get incorrect results because Google Finance does not show the dividend histo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use Google Finance to backtest (i.e. simulate trades in the past)? ### Answer: Yes, add the stocks/mutual funds that you want and then you would just need to add all the transactions that you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Better to get loan from finance company or bank considering the drop of credit score? ### Answer: If your primary concern is a drop in your credit score, go to a mortgage broker instead of multiple ba...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does historical price data not go back all the way on Google Finance? ### Answer: Google Finance and Yahoo Finance have been transitioning their API (data interface) over the last 3 months. They a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Correct Ways of Importing Personal Finance Transaction Data ### Answer: You'll need to find out in what format MoneyStrands expects the data. A .qif or an .ofx file may not be the answer. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a used car or pay cash? ### Answer: There are several factors here. Firstly, there's opportunity cost, i.e. what you would get with the money elsewhere. If you have higher interest op...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a used car or pay cash? ### Answer: Unless you are getting better than a 2.95% return on that money market account. Pay cash. That's the purely logical way to make the decision. Howev...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a used car or pay cash? ### Answer: One additional reason to pay with cash rather than financing is that you will be able to completely shut down the dealership from haggling over fin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a used car or pay cash? ### Answer: I'd pay cash. Car loans are amortized, so sometimes you can get upside-down on the loan between 18-30 months because you are pre-paying interest. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance algebra ### Answer: With the following variables the periodic (annual) repayment is given by The recurrence equation for the balance b at the end of month x is derived from b[x + 1] = b[x] (1...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to re-finance my car loan? ### Answer: If you're a bit into the loan, then they're probably hoping that you'll take longer to pay off the loan. Is there a fee for refinancing the loan? ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to re-finance my car loan? ### Answer: Seems like a good deal to me. You are paying less interest over the lifetime of the loan. And what I would do is take the difference between the n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: Now, if you're still intrested, Mint.com works also for Canadian banks. Mint Canada ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: Yodlee will also work. I asked a similar question (and provided answers) here. Thrive, so far, is the best in my...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: I use MoneyStrands (formerly called Expensr), but mostly just to track expenses and look at reports on my spendi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: Here's a link with comparison of various online and offline PF software: http://personalfinancesoftwarereviews.c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: Now, keep in mind I'm biased because I'm an engineer at this company, but FutureAdvisor.com provides advice on y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good personal finance management web app that I can use in Canada? ### Answer: CashBase has a web app, an iPhone app and an Android app, all sync'ed up. It doesn't integrate with banks automa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Legal Financing ### Answer: Find a lawyer or law firm who wants to represent you and talk to them. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Should I Start my Finance Life and Invest? ### Answer: The best way to start out is to know that even the experts typically under-perform the market, so you have no chance. Your best bet is to in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Should I Start my Finance Life and Invest? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How Should I Start my Finance Life and Invest? ### Answer: I'd suggest looking at something like the Dummies series of books for this. Something like: Sometimes the books are combined into one big b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Corporate Finance ### Answer: If it's raising $25 million with a debt to equity ratio of 50% then it's raising $8.33 million of debt and $16.67 million of equity. You've priced it as if it were raisi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Corporate Finance ### Answer: Your company wants to raise $25,000,000 for a new project, but flotation costs are incurred by issuing securities (underwriting, legal fees, etc) First you must determin...