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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Canada: New mortgage qualification rules, 2010: Why, what, & when in effect? ### Answer: The new mortgage qualification rules were introduced to cool a hot Canadian housing real estate market. The rul...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I liable for an auto accident if I'm a cosigner but not on the title, registration, or insurance policy? ### Answer: You can be sued if some random stranger that you never had any interaction with ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I liable for an auto accident if I'm a cosigner but not on the title, registration, or insurance policy? ### Answer: I am sure that laws differ from state to state. My brother and I had to take ov...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Am I liable for an auto accident if I'm a cosigner but not on the title, registration, or insurance policy? ### Answer: It might be possible to sue you successfully if someone brought evidence that yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? ### Answer: Corporate bonds have gotten very complicated in the last 20 years t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? ### Answer: I let someone else pick and chose which junk bonds to buy and which...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are junk bonds advisable to be inside a bond portfolio that has the objective of generating stable income for a retiree? ### Answer: Junk Bonds (aka High Yield bonds) are typically those bonds from is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: Yes, http://shares.telegraph.co.uk/stockscreener/ has what you're looking for. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: Although this is an old question, it's worth pointing out that the Google Stock Screener now supports stocks traded on the London Sto...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: Most free stock screeners for UK stocks, even those mentioned above, are very poor and not worth the effort really, and searching for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: I use and recommend barchart.com. Again you have to register but it's free. Although it's a US system it has a full listing of UK sto...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: I know nice and free stock screener for UK (and 20+ exchanges) - https://unicornbay.com/screener?f=exchange_str|%3D|LSE;&s=MarketCapi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: AdvFN has one--click the Charts & Research pulldown and choose UK Screener. Free but requires login. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a free, online stock screener for UK stocks? ### Answer: I'm actually building a UK stock screener right now. It's more of an exercise in finding out how to work out technical things like MA...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which account type to use for claimable expense I pay upfront for my employer? ### Answer: I used Quicken, so this may or may not be helpful. I have a Cash account that I call "Temporary Assets and Li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I borrow against my IRA to pay off debt or pay for a car? ### Answer: No. Borrowing is not allowed, but if you take a withdrawal, you have 60 days to deposit into another IRA account. This effecti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a stock's quoted value represent? ### Answer: The quote price is simply the last price at which a trade completed. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a stock's quoted value represent? ### Answer: Price for the latest transaction. If the stock is selling for $898.7 means that the stock is currently trading for $898.7, and it will be your...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a stock's quoted value represent? ### Answer: Stock price is set to the price with the highest transaction volume at any given time. The stock price you cited was only valid in the last tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? ### Answer: That is a pretty exclusive club and for the most part they are not interested in h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? ### Answer: Traditionally, the Dow Jones Industrial Average (DJIA) was only comprised of stock...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? ### Answer: In addition to the answers provided above, the weight the Dow uses to determine th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index? ### Answer: The Dow Jones Industrial Average (DJIA) is a Price-weighted index. That means tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a TFSA work? Where does the interest come from? ### Answer: A TFSA is a tax free savings account. It is a type of account where you can buy various investments like stocks, bonds, or funds (...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does a TFSA work? Where does the interest come from? ### Answer: As to where the interest comes from: The same place it comes from in other kinds of savings accounts. The bank takes the money you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate lump sum required to generate desired monthly income? ### Answer: The product you seek is called a fixed immediate annuity. You also want to be clear it's inflation adjusted. In the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does ExxonMobil's balance sheet show more liabilities than assets? ### Answer: You are reading the balance sheet wrong. Everything Joe says is completely correct, but more fundamentally you have m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does ExxonMobil's balance sheet show more liabilities than assets? ### Answer: Exxon Mobil is one of the most profitable corporations in the world. Their annual earnings are typically in the $10s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does ExxonMobil's balance sheet show more liabilities than assets? ### Answer: Even assuming you were reading the balance sheet correctly it means nothing. What banks mostly care about is cash flo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does ExxonMobil's balance sheet show more liabilities than assets? ### Answer: I believe you are missing knowledge of how to conduct a ratio analysis. Understanding liquidity ratios, specifically ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding stock market terminology ### Answer: Opening - is the price at which the first trade gets executed at the start of the trading day (or trading period). High - is the highest price the st...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding stock market terminology ### Answer: One of the most useful ways to depict Open, High, Low, Close, and Volume is with a Candlestick Chart. I like to use the following options from Stockc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What assets does the term “security” encompass? ### Answer: A good reference to what encompasses "securities" are detailed in the Securities Act of 1933, which was enacted by the United States federal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what are the pros and cons of structured deposits? ### Answer: Say we are in 'normal times.' Passbook rates are 5% or so. Longer rates, 6-7%. I offer you a product with these terms, for $10,000 I will...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what are the pros and cons of structured deposits? ### Answer: With reference to the UK: Structured deposits should not be confused with structured products. Structured deposits are often, quite simp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Analyze stock value ### Answer: A Bloomberg terminal connected to Excel provides the value correcting splits, dividends, etc. Problem is it cost around $25,000. Another one which is free and I think t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Analyze stock value ### Answer: It seems like you want to compare the company's values not necessarily the stock price. Why not get the total outstanding shares and the stock price, generate the mark...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the cause of a extreme high/low price in after hours market? ### Answer: Often these types of trades fall into two different categories. An error by broker or exchange. Exchange clear...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could be the cause of a extreme high/low price in after hours market? ### Answer: Many of the above comments are correct about illiquidity. If someone needs to trade at a time of low liquidity, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the number of months until a loan is paid off (given principal, APR and payment amount)? ### Answer: The formula for determining the number of payments (months) you'll need to make on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the number of months until a loan is paid off (given principal, APR and payment amount)? ### Answer: Here is the derivation of the formula, with The loan is equal to the sum of the re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do options always expire on third Friday of every month ### Answer: Prior to 2005, the only SPY options that existed were the monthly ones that expire on the third Friday of every month. But in 2005,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do options always expire on third Friday of every month ### Answer: Traditionally options expired on the 3rd Wednesday of the months of Mar, Jun, Sep, Dec as this day was never a holiday. See IMM date...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate interest payments without EBIT ### Answer: The actual financial statements should always be referenced first before opening or closing a position. For US companies, they are freely av...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Financial implications of purchasing a first home? ### Answer: Congrats! Make sure you nail down NOW what happens to the house should you eventually separate. I know lots of unmarried couples who have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I use Mint.com? Is it secure / trusted? [duplicate] ### Answer: Yes, there is such possibility. Also, there's a possibility people made your computer, your operation system, your browser, etc....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I use Mint.com? Is it secure / trusted? [duplicate] ### Answer: So could someone working at your bank directly. Of at your HR department at work. Most of the wait staff at the restaurant I a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How will Hello Wallet benefit me? Is it worth the cost? ### Answer: CreditKarma review I don't personally use HelloWallet, but I have also heard very good things about it. Independence from financial ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the correct term to describe (shares owned * share value)? ### Answer: This is typically referred to as the "market value" of your holdings--it is the revenue you would generate if you sold yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car financed at 24.90% — what can I do? ### Answer: If you are a subprime borrower, that may not be an unreasonable rate given the risk they are accepting. In any case, it's what you agreed to. As oth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car financed at 24.90% — what can I do? ### Answer: Anytime you borrow money at that rate, you are getting ripped off. One way to rectify this situation is to pay the car off as soon as possible. Y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Car financed at 24.90% — what can I do? ### Answer: You could look into refinancing with a bank or credit union. But to weed out options quickly, use a service like LendingTree, which can vet multipl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Re-financing/consolidating multiple student loans for medical school? ### Answer: Several student loans are backed by government guarantee and this will allow you to get attractive rates. This may req...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Re-financing/consolidating multiple student loans for medical school? ### Answer: Actually, a few lenders now will offer a consolidation loan that will consolidate both Federal and private student loa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does financing a portfolio on margin affect the variance of a portfolio? ### Answer: Yes, more leverage increases the variance of your individual portfolio (variance of your personal net worth). The s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does financing a portfolio on margin affect the variance of a portfolio? ### Answer: Financing a portfolio with debt (on margin) leads to higher variance. That's the WHOLE POINT. Let's say it's 50-50....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does financing a portfolio on margin affect the variance of a portfolio? ### Answer: Variance of a single asset is defined as follows: σ2 = Σi(Xi - μ)2 where Xi's represent all the possible final mark...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens if I get approved for financing, but don't make the purchase? ### Answer: Nothing will happen. It will not affect your credit score. You are not in trouble. :) Assuming that you didn't a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find historical United States treasury note volume? ### Answer: The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: (Arizona) Bought a car with financing, do I take it to DMV/DOT? ### Answer: Based on your description of what you were given, then you should not need to contact DMV/DOT However if you are not comfort...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: (Arizona) Bought a car with financing, do I take it to DMV/DOT? ### Answer: No you dont need to take your car to DMV, They will send you the number plate and registration sticker to your home address....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculate price to earning and price to sale value for given dataset ### Answer: Too calculate these values, information contained in the company's financial statements (income, balance, or cashflow) ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: NYSE & NASDAQ: Mkt Cap: $1 billion+ ### Answer: Try Google Finance Screener ; you will be able to filter for NASDAQ and NYSE exchanges. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can one download or subscribe to end of day price data for Tokyo stocks? ### Answer: Google Finance certainly has data for Tokyo Stock Exchange (called TYO on Google) listings. You could create...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How and Where can I easily pull data for the Dow 30? ### Answer: The current Dow divisor is in Historical Divisor Changes. The OpenOffice GetQuote function offers fields for current dividend either in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free Historical Commodity Prices in txt? ### Answer: At indexmundi, they have some historical data which you can grab from their charts: It only has a price on a monthly basis (at least for the 25 yea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free Historical Commodity Prices in txt? ### Answer: You can find gold historical prices on the kitco site. See the "View Data" button. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free Historical Commodity Prices in txt? ### Answer: Goldprice.org has different currencies and historical data. I think silverprice.org also has historical data. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who sets the price and provides the quoted price values for stocks? ### Answer: The "price" is the price of the last transaction that actually took place. According to Motley Fool wiki: A stock price ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? ### Answer: I've done this, but on the other side. I purchased a commercial property from someone I h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? ### Answer: You need to talk to a local attorney specializing in real estate matters. The contract nee...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? ### Answer: Great question, but I'm thinking you'll want to get a professional who can look at your sp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Owner-Financed home sale or Land Contract — how to handle the transaction and the ongoing entity? ### Answer: If you do the financing, get a large down payment and make a short loan. Do not expose yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does a real estate seller get to know the financing arrangements of the buyer? ### Answer: The buyer discloses the financing arrangements to the seller because it makes his offer more attractive. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit card interest calculator with grace period & different interest rate calculation methods? ### Answer: I thought it was such a useful suggestion that I went ahead and created them. I'm sure you'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit card interest calculator with grace period & different interest rate calculation methods? ### Answer: If you want to ensure that you stop paying interest, the best thing to do is to not use the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: Congratulations on the job offer! That type of matching sounds good if you plan to stay at a company for more than a year. My experience has been that 401...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: 401K accounts, both regular and Roth, generally have loans available. There are maximum amounts that are based on federal limits, and your balance in the p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: As Mhoran answered, typical match, but some have no match at all, so not bad. The loan provision means you can borrow up to $50k or 50% of your balance, w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: Basically, a 401(k) can have what is called a "loan", but is more properly a "structured withdrawal and repayment agreement". This allows you to access you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Confused about google portfolio chart ### Answer: You bought 1 share of Google at $67.05 while it has a current trading price of $1204.11. Now, if you bought a widget for under $70 and it currently se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of all North American ETF's including symbols? ### Answer: You can use www.etfdb.com and search on geography. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will a Barclaycard Visa help me in building up credit score? ### Answer: Payment history is probably the most significant contributor to your credit score. Having a solid history of making, at least ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Loan for car buy “cash” (third party) or bank loan ### Answer: The car dealership doesn't care where you get the cash; they care about it becoming their money immediately and with no risk or complicat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: find stock composition of a publicly traded fund ### Answer: The big websites, Yahoo and the like, only give the 10 biggest positions of any fund. Download the annual report of the fund, go to page 18...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negative properties of continuously compounded returns ### Answer: What you're missing is the continuous compounding computation doesn't work that way. If you compound over n periods of time and a ra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negative properties of continuously compounded returns ### Answer: You cannot use continuous compounding for returns less than or equal to 100% because a natural logarithm can only be taken for a posi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Negative properties of continuously compounded returns ### Answer: Well, one can easily have rates below -100%. Suppose I start with $100, and end up with $9 after a year. What was my rate of return?...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working abroad in Australia, what is involved financially and administratively? ### Answer: If you think there is no complication in your application and you can easily satisfy all criteria you can do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Working abroad in Australia, what is involved financially and administratively? ### Answer: We don't seem to have (m)any expats or Australians on the site yet, but I'll share what I have learned. I'm...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In Canada, how bad must your credit be for a denial of a Secured Credit Card? ### Answer: A bank or credit card agency can deny your application for pretty much any reason. That said, it's extremely u...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In Canada, how bad must your credit be for a denial of a Secured Credit Card? ### Answer: Although now there are "welcome" banking packages when I landed in 2008 I couldn't find any and Vancity gave m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Something looks off about Mitsubishi financial data ### Answer: All but certainly, Mitsubishi is selling so cheaply because of the fuel scandal. It has been providing false fuel efficiency data for d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Get free option quotes ### Answer: A number of sites provide delayed option chains online. Yahoo Finance is one example: I linked to Apple's chain, but to get one yourself, put the ticker you want in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Get free option quotes ### Answer: In addition, since you asked for Montreal, you can get the quotes directly. http://www.m-x.ca/nego_cotes_en.php ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I gave an incorrect account number to pay my income taxes ### Answer: They will not send a bill, though there's a chance they will eventually send an accusatory letter. You must proactively pay your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax brackets in the US ### Answer: Yes, your tax bracket is 25%. However, that doesn't mean that your take home pay will be 75% of your salary. There is much more that goes into figuring out what yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax brackets in the US ### Answer: I suggest taking a look at your pay stub or pay statement. Your employer should provide you with one for each time you get paid. This shows your gross income (pay pe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: View asset/holdings breakdown within fund ### Answer: according to the SEC: Shareholder Reports A mutual fund and a closed-end fund respectively must provide shareholders with annual and semi-annual...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: View asset/holdings breakdown within fund ### Answer: The full holdings will be listed in the annual report of the fund, obviously the holdings would only be completely accurate as of the date of the ...