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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: New car: buy with cash or 0% financing ### Answer: Cash price is $22,500. Financed, it's the same thing (0% interest) but you pay a $1500 fee. 1500/22500 = 6.6%. Basically the APR for your loan is 1.1...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-user, non-US personal finance and budget software ### Answer: My wife and I have been ridiculously happy with YNAB. It's not "online," but syncs across our phones & computers using Dropbox. It ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multi-user, non-US personal finance and budget software ### Answer: I know exactly what you are talking about. You may like ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free, web-based finance tracking with tag/label support? ### Answer: hledger fits your criteria, have you tried it ? Here's the web interface. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free, web-based finance tracking with tag/label support? ### Answer: Mint.com does all of that (except for the cash at hand). ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to finance my trading strategy in foreign exchange trading? ### Answer: how can I get started knowing that my strategy opportunities are limited and that my capital is low, but the success rate is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Financing Education through Credit Card or Student Loans ### Answer: If you are very sure, say 90%, that you'll pay the zero percent card off before paying interest, that would be my choice. Less cert...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Financing Education through Credit Card or Student Loans ### Answer: I would use student loans and avoid credit card debt if debt is your only option. Here are the advantages I see: Disadvantages:...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I rely on my home equity to finance large home repairs? ### Answer: Personally, I'd use my emergency fund first. It is unlikely (though possible, of course) that I will entirely lose my income at ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I rely on my home equity to finance large home repairs? ### Answer: Yes, a HELOC is great for that. I just had my roof done last month (~$15K, "ugh") and pretty much every major contractor in my a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to find LEAPS option quotes (full chain)? CBOE & Yahoo! Finance not working ### Answer: I'm familiar with and have traded U.S.-listed LEAPS and I've always used the CBOE quotes page you linked t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a car to build credit for a mortgage next year? ### Answer: The fluctuation of interest rates during the next year could easily dwarf the savings this attempt to improve your credit s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happened to Home Depot's Stock in 1988? ### Answer: It's got to be a bad chunk of data on Google. Yahoo finance does not show that anomaly for 1988, nor does the chart from Home Depot's investor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happened to Home Depot's Stock in 1988? ### Answer: So a major problem with looking at historical stock data on these graphs is that they set the stock price based off of current market volumn. I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to finance necessary repairs to our home in order to sell it? ### Answer: A typical HELOC will have about $300 in fees to open it. From there, it's up to you how much or how long to use it. I'd s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I add my income to my personal finance balance? ### Answer: Create an account called, say, "Paycheck". When you get paid, create an entry with your gross income as a deposit. For each deducti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I add my income to my personal finance balance? ### Answer: I don't think you need double-entry bookkeeping. To quote Robert Kiyosaki (roughly): Income is when money enters you pocket, and expe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I add my income to my personal finance balance? ### Answer: Congratulations on keeping better track of your finances! Typically there will be a class of accounts labelled "Income", under which ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a 2008 HHR under finance it needs a new engine ### Answer: I know, this isn't a direct answer to your question about unloading a used car-- I've always donated it to charity and written off the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a 2008 HHR under finance it needs a new engine ### Answer: I'm leaning more towards trading it in can anyone give me some pointers on how to get the best deal? Information is key to getting the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good habits pertaining to personal finance for someone just getting started? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Good habits pertaining to personal finance for someone just getting started? ### Answer: If you are not working, I believe you would be getting some money from your family to meet your expenses. In su...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I raise finance to build a home for my family ### Answer: As I see it, there are 2 potential solutions - Joining with another person or 2, and buying a house with multiple bedrooms. I am in th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I raise finance to build a home for my family ### Answer: Wanting save enough money to purchase a home is an issue that a lot of people face, regardless of where they live. The most simple ans...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between a structured collar and a normal collar in finance? ### Answer: Let's start with a definition: A Collar is a protective strategy for a position in the underlying instrum...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any dangers in publicly sharing my personal finance data? ### Answer: Status alone shouldn't be a problem. A fellow blogger publishes a blogger list at Rock Star Finance where he lists nearl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any dangers in publicly sharing my personal finance data? ### Answer: I think it's advisable to exercise a fair amount of caution when posting information about yourself online. With the adv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: You should look into a home equity line of credit: A home equity line of credit (often called HELO...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: I'm assuming that when you sell the house you expect to be able to pay off these loans. In that ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: sheegaon's reply looks fine to me, a HELOC can usually be set up for a minimal ($50?) fee, and is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: In planning to buy a house, and sort out how to handle the costs of some initial renovations, I've...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the preferred way to finance home improvements when preparing to sell your house? ### Answer: You could take on more work. Pizza delivery, lawn work, babysitting, housecleaning, etc. None of t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to handle Client Deposits in Xero (or any finance software, really) ### Answer: I haven't worked with Xero before, but can't you just set it up as accounts payable? Put in an accounts payable for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car finance, APR rates and per week in adverts; help understanding them ### Answer: Easier to copy paste than type this out. Credit: www.financeformulas.net Note that the present value would be the in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car finance, APR rates and per week in adverts; help understanding them ### Answer: Taking the last case first, this works out exactly. (Note the Bank of England interest rate has nothing to do with t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some services list an IPO date that is well after historical price data you can find elsewhere? ### Answer: The Minnesota Mining and Manufacturing Company was established in 1902 as a private c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: UK university student finance - should I use my sponsorship money to pay the debt? ### Answer: Let me run some simplistic numbers, ignoring inflation. You have the opportunity to borrow up to 51K. Wha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: UK university student finance - should I use my sponsorship money to pay the debt? ### Answer: Borrow the lot (as your family recommended)! The extra money will come in useful when you want to buy a h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do retail traders get any advantage from learning methods of mathematical of finance? ### Answer: If it could, it seems yet to be proven. Long Term Capital Management was founded by a bunch of math w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: I'm another programmer, I guess we all just like complicated things, or got here via stackoverflow. Obligatory tedious but ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: The best learning technique for me is not to dredge through books in order to gain a better understanding of finance. This i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: Good luck! ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: I've found Pragmatic Capitalism very helpful. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: For learning about finances my main two financial resources are this site, and the Motley Fool. My secondary sources are keep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ongoing things to do and read to improve knowledge of finance? ### Answer: Before you can truly learn, you must unlearn first. I recommend the book "Fooled by Randomness" by Nassim Taleb. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Highest market cap for a company from historical data ### Answer: In common with many companies, Microsoft has been engaging in share buyback programmes, where it buys its own shares in the market and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Highest market cap for a company from historical data ### Answer: Adjustments can be for splits as well as for dividends. From Investopedia.com: Historical prices stored on some public websites, such...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Highest market cap for a company from historical data ### Answer: Everything would depend on whether the calculation is being done using the company's all-time high intraday trading price or all-time ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Clarify Microsoft's explanation of MIRR ### Answer: The MIRR formula uses the finance rate to discount negative cash flows, but since the only negative cash flow in the example in in the current perio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Clarify Microsoft's explanation of MIRR ### Answer: The value does change from 12.61% to 13.48%. The difference between re-investing cashflows at 14% vs 12% is not big enough to change the rounded val...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Historical Stock Prices of delisted company [duplicate] ### Answer: For those on a budget, check if your local library has access to / or a copy of the "Standard & Poor's Daily Stock Price Record". Ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Historical Stock Prices of delisted company [duplicate] ### Answer: You need a source of delisted historical data. Such data is typically only available from paid sources. According to my records, Law...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I evaluate the performance of a company using just OHLC data? ### Answer: No. The information you are describing is technical data about a stock's market price and trading volume, only. There is n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do money markets fluctuate during market crashes? ### Answer: As the commenters have already indicated, money market mutual funds are not guaranteed to maintain principal during all market conditions,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do money markets fluctuate during market crashes? ### Answer: Wikipedia has a solid article on Money Market Funds which includes a section on "Breaking the Buck" when the money market fund fails to re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: First home buyer, financing questions ### Answer: I think we would be good with paying around $1200 monthly mortgage fees (with all other property fees included like tax etc.) You probably can't get a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: First home buyer, financing questions ### Answer: When you say "apartment" I take it you mean "condo", as you're talking about buying. Right or no? A condo is generally cheaper to buy than a house of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly could we rank or value how “rich” a company brand is? ### Answer: Matt explains the study numbers in his answer, but those are the valuation of the brand, not the value of the company or h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How exactly could we rank or value how “rich” a company brand is? ### Answer: Those rankings in particular that you cite are compiled by Millward Brown and the methodology is explained like this: ###e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I sell my home with owner financing when I still have an FHA loan? (and should I?) ### Answer: You have to pay off the balance on the loan first. Also, FHA loans are not supposed to be used for re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do financial services aimed at women differ from conventional services? ### Answer: It is just marketing and market segmentation. We could all shop at WalMart, but some people prefer wider aisles...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do financial services aimed at women differ from conventional services? ### Answer: Less so today, but there was a time that women played a smaller role in the household finances, letting the husb...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will ADR owner enjoy same benefit as common shares holders ### Answer: The essential difference b/n ADR and a common share is that ADR do not have Voting rights. Common share has. There are some ADR ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will ADR owner enjoy same benefit as common shares holders ### Answer: As far as I know, with ADRs you're essentially trading by proxy -- a depository bank is holding the actual stock certificate, and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will ADR owner enjoy same benefit as common shares holders ### Answer: One other issue you may face is when the company announces poor financial results and begins to tank, you will not be able to sel...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will ADR owner enjoy same benefit as common shares holders ### Answer: I would say you should invest in the market that is more convenient for you, bearing in mind that if you buy ADRs you may have so...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to do a direct cash flow statement given a stock ticker ### Answer: For US equities, Edgar Online is where companies post their government filings to the SEC. On Google Finance, you would look at ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to compute real return including expense ratio ### Answer: Returns reported by mutual funds to shareholders, google, etc. are computed after all the funds' costs, including Therefore the returns y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How common are stock/scrip dividends (as opposed to cash dividends) in US equity markets? ### Answer: Check out the NASDAQ and NYSE websites(the exchange in which the stock is listed) for detailed inf...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How common are stock/scrip dividends (as opposed to cash dividends) in US equity markets? ### Answer: There's not usually a point to issuing new stock as a dividend, because if you issue new stock, it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I see the detailed historical data for a specified stock? ### Answer: To see a chart with 1-minute data for a stock on a specific date: For example, here is the chart for TWTR on November 7,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I see the detailed historical data for a specified stock? ### Answer: Yahoo Finance's Historical Prices section allows you to look up daily historical quotes for any given stock symbol, you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: I think that is the wrong approach. You certainly need to teach the value of work, but you cannot tie it to inc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: Completely linear? We don't do that. Our daughter has a fixed allowance, and we expect a certain amount of hel...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: I don't know if it counts as a formal answer, but Dale Carnegie has always preached that income is related to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: As a parent I think you absolutely have to teach them that income is related to work because (for most people a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: Get a copy of Capitalism for Kids - finally back in print (after being out of print for years). It's a great in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to teach children that work is linearly related to income? ### Answer: My family instilled in me early on that hard work was important, and the output of that work was its reward. My...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find historical stock price for a de-listed or defunct company? ### Answer: http://www.euroinvestor.com/exchanges/nasdaq/macromedia-inc/41408/history will work as DumbCoder states, but didn't c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to find historical stock price for a de-listed or defunct company? ### Answer: Such data is typically only available from paid sources due to the amount of research involved in determining the ide...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dealer Financing Fell Through on vehicle purchase: Scam? ### Answer: There's a good explanation of this type of scam at the following link; It's known as a Spot-Delivery scam. https://www.carbuyingti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use balance transfer to buy car? ### Answer: It really depends on the exact wording of that zero rate offer. Some specifically state they are to be used for paying other debt. Others will have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use balance transfer to buy car? ### Answer: You do not say what country you are in. This is an answer for readers in the UK. Most normal balance transfer deals are only for paying off other cre...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: German stock exchange, ETR vs FRA ### Answer: I still can't understand why there is a price discrepancancy. There isn't. It's the same stock and price differences between such major exchanges will al...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: German stock exchange, ETR vs FRA ### Answer: I stumbled on the same discrepancy, and was puzzled by a significant difference between the two prices on ETR and FRA. For example, today is Sunday, and g...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Monthly payment on a compounded daily car loan? [duplicate] ### Answer: I would like to know how they calculated such monthly payment The formula is: Your values would come out to be: r = (1+3.06/(10...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “/” and “^” mean in ticker symbols? How to translate these symbols into yahoo? ### Answer: On NASDAQ the ^ is used to denote other securities and / to denote warrents for the underlying comp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “/” and “^” mean in ticker symbols? How to translate these symbols into yahoo? ### Answer: There isn't a single universal way to reference a stock, there are 4 major identifiers with many di...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Considering investing in CHN as a dividend stock ### Answer: CHN is a Closed-End Fund. CHN actually pays out three types of distributions: In the case of CHN, they appear to be paying yearly. The mos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Considering investing in CHN as a dividend stock ### Answer: The yield on Div Data is showing 20% ((3.77/Current Price)*100)) because that only accounts for last years dividend. If you look at the lef...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can someone explain the Option Chain of AMD for me? ### Answer: When you buy a put option, you're buying the right to sell stock at the "strike" price. To understand why you have to pay separately for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can someone explain the Option Chain of AMD for me? ### Answer: The buyer pays $1.99/share for the option of selling a share of AMD to the seller for $10 which is currently $1.94 higher than the price...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can someone explain the Option Chain of AMD for me? ### Answer: The current price is $8.05. If you want the right to sell it to someone (put it to the buyer) for $10, you have to pay $2. Since you're ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Figuring flood insurance into financing cost ### Answer: We recently had a sump pump fail during a rainy weekend. Never had more than an inch or so of water on the floor. Total cost to remove the wat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Figuring flood insurance into financing cost ### Answer: Self-insure a $250K+ house that's deemed to be in a flood zone? Wake up, have coffee. If you don't change your mind, have another cup. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Financed medical expenses and tax deductions ### Answer: You deduct expenses when you incur them (when you pay the hospital, for example). Medical expenses are deducted on Schedule A, subject to 7.5% ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Close to retirement & we may move within 7 years. Should we re-finance our mortgage, or not? ### Answer: Think of your mortgage this way - you have a $130K 16 year mortgage, at 6.75%. At 4%, the same...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Close to retirement & we may move within 7 years. Should we re-finance our mortgage, or not? ### Answer: Refinance, definitely. Go for Fixed 15 years, which will leave you with the same remaining time...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Close to retirement & we may move within 7 years. Should we re-finance our mortgage, or not? ### Answer: I would think it depends on when within the 7 years you're planning to move. If you want to mov...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Financing with two mortgages: a thing of the past? ### Answer: I doubt it. I researched it a bit when I was shopping for a HELOC, and found no bank giving HELOC for more than 80% LTV. In fact, most re...