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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: There are a few of ways to do this: Ask the seller if they will hold a Vendor Take-Back Mortgage or VTB. They essentially hold a second m...
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: Depends on where we are in the credit cycle. When banks are scared like in 07 to 11, good luck. Now (13), they'll probably start begging...
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: You can't get a HELOC, to the best of my knowledge, without actually "owning" the house. If you get an 80% mortgage (of the purchase pric...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How websites like Google have access to stock market data? ### Answer: At the bottom of Yahoo! Finance's S & P 500 quote Quotes are real-time for NASDAQ, NYSE, and NYSE MKT. See also delay times fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How websites like Google have access to stock market data? ### Answer: To quote their disclaimer: Data is provided by financial exchanges and may be delayed as specified by financial exchanges or our...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are all financial advisors compensated in the same way? ### Answer: No, they certainly are not compensated the same way. Some are paid by commission that they earn from the products they sell (ie, ce...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if refinance is beneficial enough to me? ### Answer: When evaluating a refinance, you need to figure out the payback time. Refinancing costs money in closing costs. The payback time is t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if refinance is beneficial enough to me? ### Answer: It would help if we had numbers to walk you through the analysis. Current balance, rate, remaining term, and the new mortgage details...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I know if refinance is beneficial enough to me? ### Answer: The proper answer is that you run the numbers and see whether what you'll save in interest exceeds the closing costs by enough to be ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Received a call to collect on a 17 year old, charged off debt. What do I do? ### Answer: There are statutes of limitations on how long they can wait before coming after you. 14 years certainly exceed...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Received a call to collect on a 17 year old, charged off debt. What do I do? ### Answer: If they are a debt collector, they must follow the requirements of the Fair Debt Collection Practices Act. In p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to accurately calculate Apple's EPS ### Answer: On closer look, it appears that Google Finance relies on the last released 10-k statement (filing date 10/30/2013), but outstanding shares as of las...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Curious about Liverpool FC situation ### Answer: AFAIK gillet and hicks received massive loans to fund their purchase and they have not been keeping up the repayments so now the creditors own the club...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are credit unions initially financed ### Answer: ​Estimated Start-Up and Operating Costs in Chartering a Credit Union notes in part: Given the significant costs involved, most groups seek grant mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What publicly available software do professional stock traders use for stock analysis? ### Answer: Factset also provides a host of tools for analysis. Not many people know as they aren't as prevalent ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What publicly available software do professional stock traders use for stock analysis? ### Answer: Bloomberg Professional seems to be very popular. It provides any kind of data you can imagine. Analys...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What publicly available software do professional stock traders use for stock analysis? ### Answer: Another one I have seen mentioned used is Equity Feed. It had varies levels of the software depending...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What publicly available software do professional stock traders use for stock analysis? ### Answer: Bloomberg is very popular, especially for researching individual companies. Market QA and Factset are...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What publicly available software do professional stock traders use for stock analysis? ### Answer: If you are looking to analyze stocks and don't need the other features provided by Bloomberg and Reut...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does dividends passed mean in terms of stock? ### Answer: A "covenant" is a solemn promise to engage in or refrain from a specified action. Every company must do a balancing act while declaring t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the most correct way to calculate market cap for multi-class companies? ### Answer: From their 10-K pulled directly from Edgar: As of October 22, 2015, there were 291,327,781 shares of Alphabe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the most correct way to calculate market cap for multi-class companies? ### Answer: Some companies issue multiple classes of shares. Each share may have different ratios applied to ownership r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When applying for a mortgage, can it also cover outstanding debts? ### Answer: That really depends on the lender, and in the current climate this is extremely unlikely. In the past it was possible to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When applying for a mortgage, can it also cover outstanding debts? ### Answer: Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit? Prove you do want the hous...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Titles, Financing and Insurance. How do they work? ### Answer: There is nothing illegal about a vehicle being in one person's name and someone else using it. An illegal straw purchase usually applies...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Yahoo miss some mutual fund dividends/capital gains? ### Answer: This looks more like an aggregation problem. The Dividends and Capital Gains are on quite a few occassions not on same day and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Payroll question ### Answer: Ask the company if they can make an adjustment for the next paycheck. If they can't then do the following: Increase the number of Federal exemptions by 1. In 2014 a person...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Payroll question ### Answer: That $200 extra that your employer withheld may already have been sent on to the IRS. Depending on the size of the employer, withholdings from payroll taxes (plus employer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking the Madrid Interbank Offered Rate (MIBOR) and the Euro Interbank Offered Rate (EURIBOR) ### Answer: You can find both here: http://www.bde.es/tipos/tipose.htm ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking the Madrid Interbank Offered Rate (MIBOR) and the Euro Interbank Offered Rate (EURIBOR) ### Answer: For Euribor Nothing seems to exist for MIBOR, except maybe the Spanish stock exchange. ###e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is “beta” for an investment or a portfolio, and how do I use it? ### Answer: Beta is an indication of a Stock's risk with respect to the market. For instance if a stock had a beta of 1 it means ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is “beta” for an investment or a portfolio, and how do I use it? ### Answer: In addition to individual stocks, your entire portfolio will also have a beta. It would be equal to the weighted sum ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is “beta” for an investment or a portfolio, and how do I use it? ### Answer: I don't think either of these answers are accurate. A beta of 0 means that your stock/portfolio does not change accord...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to read bond yield quotes? What do the time, coupon, price, yield, and time mean? ### Answer: The 1 month and 1 year columns show the percentage change over that period. Coupon (coupon rate) is th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to read bond yield quotes? What do the time, coupon, price, yield, and time mean? ### Answer: The first thing that it is important to note here is that the examples you have given are not individu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between fund and portfolio? ### Answer: A "Fund" is generally speaking a collection of similar financial products, which are bundled into a single investment, so that you as an ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between fund and portfolio? ### Answer: A fund is a portfolio, in that it is a collection, so the term is interchangeable for the most part. Funds are made up of a combination ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between fund and portfolio? ### Answer: Oddly enough, in the USA, there are enough cost and tax savings between buy-and-hold of a static portfolio and buying into a fund that a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there anything comparable to/resembling CNN's Fear and Greed Index? ### Answer: Lipper publishes data on the flow of funds in / out of stock and bond funds: http://www.lipperusfundflows.com Robert ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there anything comparable to/resembling CNN's Fear and Greed Index? ### Answer: There are a number of ways to measure such things and they are generally called "sentiment indicators". The ones tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is approximate tax deduction for this scenario? ### Answer: House rent allowance:7500 House Rent can be tax free to the extent [less of] Medical allowance : 800 Can be tax free, if you provide me...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate Price/Earnings - Price/Sales - Price/Free Cash Flow for given stock ### Answer: To calculate you take the Price and divide it by the Earnings, or by the Sales, or by the Free Cash Flo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Fetching technical indicators from yahoo api ### Answer: Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 =...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out what factors are making a stock's price rise? ### Answer: A few days ago they launched Fannie Mae Guaranteed Multifamily Structures (link) but who knows? It's a penny stock now. Go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out what factors are making a stock's price rise? ### Answer: Because more people bought it than sold it. That's really all one can say. You look for news stories related to the event, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out what factors are making a stock's price rise? ### Answer: When you look at the charts in Google Finance, they put the news on the right hand side. The time stamp for each news item ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out what factors are making a stock's price rise? ### Answer: At any moment, the price is where the supply (seller) and demand (buyer) intersect. This occurs fast enough you don't see i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I evaluate a health insurance policy that covers a specific disease? ### Answer: These policies are usually called dread disease policies or critical illness insurance, and they normally aren't...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Last trade is bought? or sold? ### Answer: When there is a trade the shares were both bought and sold. In any trade on the secondary market there has to be both a buyer and a seller for the trade to t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Evidence for Technical Analysis [duplicate] ### Answer: To answer your original question: There is proof out there. Here is a paper from the Federal Reserve Bank of St. Louis that might be worth a rea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car value is almost equal to GMFV with still 2 years to go on PCP ### Answer: The "guaranteed minimum future value" isn't really a guarantee so much as the amount they will charge you at the end of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What kinds of information do financial workers typically check on a daily basis? ### Answer: I think it depends where you live in the world, but I guess the most common would be: Major Equity Indices ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What kinds of information do financial workers typically check on a daily basis? ### Answer: In addition to the information in the other answer, I would suggest looking at an economic calendar. These ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What kinds of information do financial workers typically check on a daily basis? ### Answer: Google Finance and Yahoo! Finance would be a couple of sites you could use to look at rather broad market i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My Co-Signer is the Primary Account Holder for my Car Loan - Does this affect my credit? ### Answer: It sounds like your father got a loan and you are making the payments. If your name and SSN are no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does financial investor bother to buy derivatives and then hedge the position? ### Answer: Sometimes hedging is used if you have a position and you feel the market is going against your position, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does financial investor bother to buy derivatives and then hedge the position? ### Answer: I don't know why a financial investor or a retail trader would do this. But I can guess why a market make...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does financial investor bother to buy derivatives and then hedge the position? ### Answer: There are a number reasons to hedge a position. Here are some of the more common: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which brokerages offer the best streaming quotes (tick level) for the best price? ### Answer: I have ScottradeElite on my desktop. I have played around with it but no longer use it. The transactions ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding Debt/Equity Ratio with Market Value of Equity ### Answer: In order to calculate the ratio you are looking for, just divide total debt by the market capitalization of the stock. Both values can...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate new price for bond if yield increases ### Answer: I am currently trying out some variations (moving terms around ...) of the formula for the present value of money The relationship be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate new price for bond if yield increases ### Answer: The duration of a bond tells you the sensitivity of its price to its yield. There are various ways of defining it (see here for examp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate new price for bond if yield increases ### Answer: Edited to incorporate the comments elsewhere of @Atkins Assuming, (apparently incorrectly) that duration is time to maturity: First, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are historical prices of stocks different on different websites? Which one should I believe? ### Answer: On Monday, the 27th of June 2011, the XIV ETF underwent a 10:1 share split. The Yahoo Finan...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the point of Ford loosening financing requirements? ### Answer: The article states their reasons pretty clearly, and indicates that some people won't qualify under the new requirements that wou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the point of Ford loosening financing requirements? ### Answer: Why then did Ford (and the auto industry in general) suddenly decide to court such buyers? Clearly when they felt they had a via...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the point of Ford loosening financing requirements? ### Answer: A repossessed automobile will have lost some value from sale price, but it's not valueless. They market "title loans" to people ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Sites to obtain historical chart of currency exchange rates? ### Answer: OANDA has a free online tool (a Java applet) that will do what you're asking. Description: Currency Graph FXGraph: Plot the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do governments support their own bonds when their value goes down? ### Answer: Companies do not support their stock. Once the security is out on the wild (market), its price fluctuates according to wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do governments support their own bonds when their value goes down? ### Answer: who issued stock typically support it when the stock price go down. No, not many company do that as it is uneconomical f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do governments support their own bonds when their value goes down? ### Answer: Without getting to hung-up on terminology here, the management of a company will often attempt to keep stock prices high ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taking a car loan vs cash and effect on credit score ### Answer: Imagine that your normal mode of using credit gets you a score of X. As time goes by your score trends upward if the positive items (le...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bond prices: Why is a high yield sometimes too good to be true? ### Answer: Looking at the list of bonds you listed, many of them are long dated. In short, in a rate rising environment (it's not like ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bond prices: Why is a high yield sometimes too good to be true? ### Answer: Those are the expected yields; they are not guaranteed. This was actually the bread and butter of Graham Newman, mispriced b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock stopped trading, what does this mean? ### Answer: It looks like JP Morgan can convert your holding to unsponsored ADRs until July.. In any event, you should not completely lose the equity. Volvo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock stopped trading, what does this mean? ### Answer: You have not lost value. It is just that the shares you owned, are now not tradable on US stock exchanges. You still have the value of your shar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why GOOG is “After Hours” while FB is “Pre-market”? ### Answer: It looks like GOOG did not have a pre-market trade until 7:14 am ET, so Google Finance was still reporting the last trade it had, which ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why GOOG is “After Hours” while FB is “Pre-market”? ### Answer: Pre-Market trading activity is shown on the site from 4:15 - 9:30 AM (actual trading starts at 4:00 AM EST) The NASDAQ Stock Market Trad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate PE ratios for indices such as DJIA? ### Answer: The official source for the Dow Jones P/E is Dow Jones. Unfortunately, the P/E is behind a pay-wall and not included in the free regis...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate PE ratios for indices such as DJIA? ### Answer: You could look up the P/E of an equivalent ETF, or break the ETF into components and look those up. Each index has its own methodology,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate PE ratios for indices such as DJIA? ### Answer: One thing to keep in mind when calculating P/E on an index is that the E (earnings) can be very close to zero. For example, if you had...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Equity market inflow meaning ### Answer: Suppose I purchase $10,000 worth of a particular share today. If the person(s) I am purchasing the shares from paid $9,000 for those shares, then I replacing t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Equity market inflow meaning ### Answer: If for every buyer, there's a seller, doesn't that also mean that there were $25B in outflows in the same time period? Yes for every buyer there is a seller. T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Equity market inflow meaning ### Answer: Inflows to the US equity market can come from a variety of sources; for instance: You were paid a year-end bonus and decided to invest it in US equities instea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what does “private equity structures” mean? ### Answer: Private equity firms have a unique structure: The general partners (GP's) of the firm create funds and manage the investments of those funds. L...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to find historical quotes for the Dow Jones Global Total Stock Market Index? ### Answer: A number of places. First, fast and cheap, you can probably get this from EODData.com, as part of a hist...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which online services offer logarithmic charts for equities such as index funds and ETFs? ### Answer: The charts on nasdaq.com are log based, if you look closely you can see that the spacing between e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: The word you're looking for i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: In Canada section 347 of the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: In the U.S., each state has i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: In the US, usury is complicat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: What are those maximums, and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a law or regulation that governs the maximum allowable interest amount that can be charged on credit cards or in agreements where credit is extended? ### Answer: In the EU, you might be looki...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mortgage loan plus home loan ### Answer: You can be a co-borrower on the property that your father owns. Some Banks require that you also be part owner of the property, some banks do not require this....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who are the real big share holders of $AMDA? ### Answer: There are not necessarily large shareholders, maybe every other Joe Schmoe owns 3 or 5 shares; and many shares might be inside investment funds...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I transfer and consolidate my 401k's and other options? ### Answer: The simplest way to consolidate the funds your old 401(k) plans is by doing what's called a Direct Rollover (whereby the fun...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I transfer and consolidate my 401k's and other options? ### Answer: Every plan administrator has their own procedures for rollovers. In any case, you would start by browsing their website or c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I transfer and consolidate my 401k's and other options? ### Answer: You should ask your broker of choice for paperwork to move funds to them. You can't move into an account that doesn't exist,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: total of all dividend payments for a particular company ### Answer: No - there are additional factors involved. Note that the shares on issue of a company can change for various reasons (such as conve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does low interest rate prevent bankruptcy and foreclosure? ### Answer: Most of the bankruptcy is due to taking [or building over a period of time] a loan that one cannot service, if the interest r...