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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Efficient International money transfer ### Answer: Wiring is the best way to move large amounts of money from one country to another. I am sure Japanese banks will allow you to exchange your Japanese...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can the Samsung Upgrade Programme offer 0% APR? ### Answer: This is more a question about economics than about personal finance. The answer, though, is straight-forward. Samsung makes enough profi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can the Samsung Upgrade Programme offer 0% APR? ### Answer: The financing is built into the price. I do not have hard facts, but I strongly suspect that very few people buy brand-new smartphones ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can the Samsung Upgrade Programme offer 0% APR? ### Answer: Having just purchased an upcoming Samsung phone using their 0% interest I can tell you that the justification is to give you credit. I h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some sources of information on dividend schedules and amounts? ### Answer: I second the Yahoo! Finance key stats suggestion, but I like Morningstar even better: http://quote.morningstar.com/s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some sources of information on dividend schedules and amounts? ### Answer: There are dividend newsletters that aggregate dividend information for interested investors. Other than specialized...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some sources of information on dividend schedules and amounts? ### Answer: You can use Yahoo! Finance to pull this information in my use. It is listed under Key Statistics -> Dividends & Spli...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some sources of information on dividend schedules and amounts? ### Answer: I have 3 favorite sites that I use. http://www.nasdaq.com/symbol/mcd/dividend-history - lists the entire history of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are some sources of information on dividend schedules and amounts? ### Answer: Yahoo Finance is definitely a good one, and its ultimately the source of the data that a lot of other places use (li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I calculate the quarterly returns of a stock index? ### Answer: So for quarters So, if Q1's value was 10 and Q2's value was 25 For closing or opening prices, I would use closing prices. For in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I calculate the quarterly returns of a stock index? ### Answer: Here's a few demo steps, first calculating the year to date return, then calculating the Q4 quarterly return based on the cumulat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Thrift Saving Plan (TSP) Share Price Charts ### Answer: TSP.Ninja http://www.tsp.ninja has all the TSP funds with good visualizations that are very similar to Google Finance. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Thrift Saving Plan (TSP) Share Price Charts ### Answer: If you're looking to generate your own charts, you can get up-to-date TSP fund share prices in a Google Docs spreadsheet by "scraping" the data ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Thrift Saving Plan (TSP) Share Price Charts ### Answer: The recommended way to track TSP funds in online portfolio tools is to track the underlying index and know that the results are pretty close. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: Ideally you would negotiate a car price without ever mentioning: And other factors that affect the price. You and the dealer w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: Yes you tell them. I can say that I pay cash for all my cars and always get cars for lower than the TrueCar low-end. There a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: Ditto other answers, but I'd add there's a lot of psychology going on in a sale. If you're paying cash, you presumably have a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: If you buy a car using a loan, the dealer gets benefited by the financing institution by the way of referring fee paid to the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I plan to buy a car in cash, should I let the dealer know? ### Answer: In the UK at least, dealers definitely want you to take finance. They get benefits from the bank (which are not insubstantial)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a good tool to view a stock portfolio's value as a graph? ### Answer: Google Finance will do all the bullet points in your list and a few more. The only drawback is that you have to enter AL...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a good tool to view a stock portfolio's value as a graph? ### Answer: I have no idea if Wikivest can handle options, but I've been pretty satisfied with it as a portfolio visualization tool. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the equivalent of the QQQ in the UK for the FTSE 100? ### Answer: I'm not familiar with QQQ, but I'm guessing this is something like IShares Ftse 100 (see description here) ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the equivalent of the QQQ in the UK for the FTSE 100? ### Answer: I searched for FTSE 100 fund on Yahoo Finance and found POW FTSE RAF UK 100 (PSRU.L), among many others. Google Finance is an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Better approach to close loans? ### Answer: It is typically best to pay minimum payments to 2 of the loans and pay aggressively on the third loan. Some will tell you to pay the highest interest rate l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: Most of stock trading occurs on what is called a secondary market. For example, Microsoft is traded on NASDAQ, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: No. Revenue is the company's gross income. The stock price has no contribution to the company's income. The ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: Look at the how the income statement is built. The stock price is nowhere on it. The net income is based on the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: If the company reported a loss at the previous quarter when the stock what at say $20/share, and now just befor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a company's stock price give any indication to or affect their revenue? ### Answer: It would be very unusual (and very erroneous) to have a company's stock be included in the Long Term Investment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much financial information should a buyer give an estate agent? ### Answer: My guess is they are fishing for business for their in-house finance person. In the UK, all the estate agency chains (an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much financial information should a buyer give an estate agent? ### Answer: Estate agents need the amount of deposit you will put down because they want to be able to assess the viability of your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why real estate investments are compared via “cap rate”? ### Answer: Cap Rate is the yearly return NOT including your mortgage. Everyone will finance the property differently. From 0% - 100% down. Th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why real estate investments are compared via “cap rate”? ### Answer: Cap rate includes any interest on the mortgage and not the repayments of the mortgage. Cap rate represents the net income which is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: Sure, Yahoo Finance does this for FREE. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: http://finance.yahoo.com/stock-alerts/stock-watch/add/?.done=/stock-alerts/ You will have to have a yahoo account. I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: You can do it graphically at zignals.com and freestockcharts.com. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: Hey guys, I found this website, it seems to do it for free, and they have many options. If let me know if you find s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: If you're a customer, TD Ameritrade has a really robust alerting system. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: I've used BigCharts (now owned by MarketWatch.com) for a while and really like them. Their tools to annotate charts ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Free service for automatic email stock alert when target price is met? ### Answer: Yes, there are plenty of sites that will do this for you. Yahoo, and MarketWatch are a few that come to mind first. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are auto leases stubbornly strict about visa status and how to work around that? ### Answer: Uh, you want to lease a car through a dealer? That is the worst possible way to obtain a car. Dealers l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are auto leases stubbornly strict about visa status and how to work around that? ### Answer: When getting a car always start with your bank or credit union. They are very likely to offer better lo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are auto leases stubbornly strict about visa status and how to work around that? ### Answer: In the U.S., most car dealers provide lease financing through one company (usually a subsidiary of the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is investing in housing considered an adequate hedge against inflation? ### Answer: Yes, in 2 ways: As you mention, the price of a home generally grows with inflation - along with other factors (suppl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is investing in housing considered an adequate hedge against inflation? ### Answer: Even if the price of your home did match inflation or better — and that's a question I'll let the other answers addr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is investing in housing considered an adequate hedge against inflation? ### Answer: Becoming a landlord is a pretty roundabout way to hedge against inflation. Why don't you research TIPs (Treasury Inf...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is investing in housing considered an adequate hedge against inflation? ### Answer: No, there is no linkage to the value of real estate and inflation. In most of the United States if you bought at the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this discrepency between Fidelity's and Google's stock price chart; large price spike? ### Answer: This is from Google Finance right now. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find the dividend history for a stock? ### Answer: Google Finance gives you this information. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find the dividend history for a stock? ### Answer: You can go to the required company's website and check out their investor section. Here is an example from GE and Apple. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I find the dividend history for a stock? ### Answer: I second @DumbCoder, every company seems to have its own way of displaying the next dividend date and the actual dividend. I keep track o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Overnight charges for brokers holding stocks? ### Answer: If you are trading CFDs, which are usually traded on margin, you will usually be charged an overnight financing fee for long positions held ov...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: That “write your own mortgage” thing; how to learn about it ### Answer: It sounds like you are describing "seller-financed" mortgages (also sometimes called "self-financed", where "self" is the seller...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: That “write your own mortgage” thing; how to learn about it ### Answer: The other answers are talking about seller financing. There is another type of arrangement that might be described as "writing ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: That “write your own mortgage” thing; how to learn about it ### Answer: If an entity or individual has full rights to the land and land improvements, they can hold, transfer, delegate, or dispose of t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: That “write your own mortgage” thing; how to learn about it ### Answer: You are asking about a common, simple practice of holding the mortgage when selling a house you own outright. Typically called s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What resources can I use to try and find out the name of the manager for a given fund? ### Answer: Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under "Management Information" ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What resources can I use to try and find out the name of the manager for a given fund? ### Answer: The fund prospectus is a good place to start. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? ### Answer: Google Finance portfolios take into account splits and cash deposits/withdrawa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? ### Answer: Reinvestment creates a nightmare when it comes time to do taxes, sadly. Tons o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there an online cost-basis calculator that automatically accounts for dividend re-investments and splits? ### Answer: Calculating and adjusting cost basis accurately is a daunting task, but there ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can GoogleFinance access total return data? ### Answer: This is the same answer as for your other question, but you can easily do this yourself: ( initial adjusted close / final adjusted close ) ^ ( 1...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can GoogleFinance access total return data? ### Answer: At this time, Google Finance doesn't support historical return or dividend data, only share prices. The attributes for mutual funds such as ret...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit card grace period for pay, wait 1 day, charge? ### Answer: You shouldn't be charged interest, unless possibly because your purchases involve a currency conversion. I've made normal purchases th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit card grace period for pay, wait 1 day, charge? ### Answer: If I understand you correctly, no you shouldn't be charged interest. Lets say you have a billing cycle of monthly (which usually isn't...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Credit card grace period for pay, wait 1 day, charge? ### Answer: This will not result in any finance charges: I wouldn't recommend cutting it quite so close, but as long as you pay the full balance a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Applying student loan proceeds toward tuition? ### Answer: Your university should have a finance department which can help with payments. Speak with them and tell them you have interest in paying for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a stock's trade size history publicly available? ### Answer: That is called a 'volume chart'. There are many interactive charts available for the purpose. Here is clear example. (just for demonst...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a stock's trade size history publicly available? ### Answer: You can buy the data and process it on your own. http://www.nyxdata.com/Data-Products/Daily-TAQ ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a stock's trade size history publicly available? ### Answer: My Broker and probably many Brokers provide this information in a table format under "Course of Sale". It provides the time, price and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Non-EU student, living in Germany, working for a Swiss company - taxes? ### Answer: I'll assume that you would work as a regular (part-time) employee. In this case, you are technically a Grenzgänger. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Non-EU student, living in Germany, working for a Swiss company - taxes? ### Answer: Finally, I got response from finance center: "It doesn't matter where do you study, what does matter is where you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online tools for monitoring my portfolio gains/losses in real time? ### Answer: This functionality is widely available, not only on brokerage sites, but also financial management and even financial in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online tools for monitoring my portfolio gains/losses in real time? ### Answer: Do you have a broker? Any online brokerage (TD Ameritrade, E*Trade, Scott Trade, etc) offer the functionality that you w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online tools for monitoring my portfolio gains/losses in real time? ### Answer: I use Google Finance too. The only thing I have problem with is dividend info which it wouldn't automatically add to my ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Online tools for monitoring my portfolio gains/losses in real time? ### Answer: The trick is real time. I like to wake up in the morning, turn on my computer and see at a glance the gain or loss data ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Walking away from an FHA loan ### Answer: According to the Trulia reference on the issue, New York is a recourse state. Recourse means that the lender can go after you for the difference between the f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Walking away from an FHA loan ### Answer: Nearly every state in the US is full-recourse. If one doesn't seek bankruptcy protection, creditors can seek judgement, and collect assets. Foreclosures frequ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Walking away from an FHA loan ### Answer: One additional penalty is you will be put on the CAIVRS ("cavers") for your default on the FHA mortgage which will preclude you from FHA financing in the futu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will Indian young ones lose 18% of their EPF with new tax as per Budget 2016? ### Answer: Are these calculations correct? These are approximate calculations and are with the assumption that entire cor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why doesn't the market capitalization of a company match its acquisition price during a takeover? ### Answer: Short answer: google finance's market cap calculation is nonstandard (a.k.a. wrong). The s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it in a company’s interest to have high stock prices? [duplicate] ### Answer: After the initial public offering, the company can raise money by selling more stock (equity financing) or selling ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What impact does trading in a car have on your credit score? ### Answer: Paying off your loan in full will most likely not help your credit score, and could potentially even hurt it. Because car loans...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Transfer car loan for better interest rate ### Answer: Yes, it is possible for you to refinance your existing auto loan, and so long as you can get the loan on more favorable terms (e.g.: lower intere...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Transfer car loan for better interest rate ### Answer: The key word you are looking for is that you want to refinance the loan at a lower rate. Tell banks that and ask what they can offer you. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best online tool that can track my entire portfolio including gains/losses? ### Answer: You can use a tool like WikiInvest the advantage being it can pull data from most brokerages and you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best online tool that can track my entire portfolio including gains/losses? ### Answer: Mint.com does this quite well. The graph views of your budgets, investments, debts, and other aspect...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best online tool that can track my entire portfolio including gains/losses? ### Answer: Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: InteractiveBrokers: How to calculate overnight commissions for CFD? ### Answer: IB's overnight financing cost for US CFDs below $100,000 is the Benchmark Rate + 1.5% for long positions and the Benchma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: InteractiveBrokers: How to calculate overnight commissions for CFD? ### Answer: I have found a good explanation here: http://www.contracts-for-difference.com/Financing-charge.html Financing is calcula...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multiple hard inquiry for a single loan from car dealer? ### Answer: (I'm a bit surprised that nobody talked about the impact of multiple inquiries on a loan, since OP is concerned with credit buildin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multiple hard inquiry for a single loan from car dealer? ### Answer: Each goes to a different agency. Yes, it is normal that the lender queries more than one agency. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Multiple hard inquiry for a single loan from car dealer? ### Answer: This is normal with the dealer's financing. To add more details to littleadv's answer, what happens is when you get the financing ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I can't produce a title for a vehicle I just traded ### Answer: The old truck is collateral for a loan. The place that made the loan expects that if you can't pay they can repossess that old truck. If...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I can't produce a title for a vehicle I just traded ### Answer: If your fiancée took a title loan out on your truck you won't be able to trade it in for another vehicle until you pay the loan. The dea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Evaluating an endowment policy for its fairness against other tax saving options in India such as PPF, EPF and even FDs ### Answer: Or am missing something? Yes. The rate of 8.53 is illustration. The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to explicitly apply for claim of tax rebate u/s 87A in India ### Answer: If my salary slip says that I will be paying x INR tax this financial year. Then how much minimum investment I need t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Could ignoring sunk costs be used to make an investment look more attractive when it's really not? ### Answer: I'm not sure that you're considering all the options. So you may not subtract $X from B...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I would like to publicly share the details of my investment portfolio. What websites add value in this regard? ### Answer: This is going to be a bit of a shameless plug, but I've build a portfolio tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: At what damage amount should I pursue a homeowner's insurance claim? ### Answer: Some builders -- if given the first chance to deal with the problem, instead of being presented with a bill after the f...