query_id stringlengths 32 32 | query stringlengths 6 4.85k | positive_passages listlengths 1 19 | negative_passages listlengths 10 100 | subset stringclasses 7
values |
|---|---|---|---|---|
9f06f3cca2b722767f0b8649dec68c77 | Fair Value of a monthly payment given two Bank Payment structures | [
{
"docid": "434ddac0691afed3d7251b9e052a3917",
"text": "There is one basic principle to apply here: to compare money paid at different times, all the amounts must be compounded or discounted to the same point in time. In this case, the moment of the initial $225,000 loan is convenient. At that moment, you... | [
{
"docid": "205ee66f682f0c4c21792a31c0241a1e",
"text": "Varying the amount to reflect income during the quarter is entirely legitimate -- consider someone like a salesman whose income is partly driven by commissions, and who therefore can't predict the total. The payments are quarterly precisely so you can ... | fiqa |
5b8fa6d74cb4120302bd3c8b2170e413 | Biggest stock price gain vs. biggest mkt cap gain | [
{
"docid": "04a2a79a70e0db2bef7ab9d57b6563bb",
"text": "\"When you look at those results you'll see that it lists the actual market cap for the stocks. The ones on the biggest price move are usually close the the $1B capitalization cut-off that they use. (The don't report anything with less than $1B in cap... | [
{
"docid": "fca73e29b05038112a00f43c8a4f49ef",
"text": "You are right: if the combined value of all outstanding GOOG shares was $495B, and the combined value of all GOOGL shares was $495B, then yes, Alphabet would have a market cap of at least $990B (where I say at least only because I myself don't know tha... | fiqa |
859a8612c5241ee251a3925f447308ae | Pay bill now or later? | [
{
"docid": "90da5168cb8e8a37a5d9dd1b1c68d5e6",
"text": "If you've got the money to pay the bill today, do it. They are giving you a 25% discount if you do. You won't find an investment that will beat that. Let's look at the details of your scheme. Instead of paying $1696 today, you decide that you will pa... | [
{
"docid": "bc62090f22d1078f7f51c9926b2899ac",
"text": "There is a reason - your credit score. If you ever take out a mortgage, you might pay dearly for your behavior. The bank where you have the credit card reports the amount on the bill to the credit rating agencies. If you pay before the bill date, they ... | fiqa |
4cafdfb17fbf5a7e4d24198a0413c45f | Rate of return of stock index | [
{
"docid": "03e9aaa36d337adfe43ac925a273eccb",
"text": "The return from one day to the next is based on the Day's closing price. To be clear - opening prices can be quite different from the prior day close. In your example, they are pretty close, but this is not always the case. Just pull a larger data set... | [
{
"docid": "193fcf22ed5e553406178908183e95ff",
"text": "To figure this out, you need to know the price per share then vs the price per share now. Google Finance will show you historical prices. For GOOG, the closing price on January 5, 2015 was $513.87. The price on December 31, 2015 was $758.88. Return... | fiqa |
1cdad7bf2888616c3cbae3a6a7a5b899 | Why do some companies (like this company) have such a huge per share price? | [
{
"docid": "0bc934b26cd5698a318b31ef671dd898",
"text": "\"Simple answer is because the stocks don't split. Most stocks would have a similar high price per share if they didn't split occasionally. Why don't they split? A better way to ask this is probably, why DO most stocks split? The standard answer is th... | [
{
"docid": "306e4dbc38dd9989c1d6bd8e12f8a6bc",
"text": "\"What you need to do is go to yahoo finance and look at different stock's P/E ratios. You'll quickly see that the stocks can be sorted by this number. It would be an interesting exercise to get an idea of why P/E isn't a fixed number, how certain indu... | fiqa |
ba087c5f648f22e25e024b30562b3fe3 | give free budgeting advice | [
{
"docid": "e33025156ccff105618c180e01c176c4",
"text": "They've asked you, so your advice is welcome. That's your main concern, really. I'd also ask them how much, and what kind of advice. Do they want you to point them to good websites? On what subjects? Or do they want more personal advice and have yo... | [
{
"docid": "853f1ab64894dc0649111e6afc7bcd20",
"text": "\"There is no free lunch. \"\"Free\"\" can cost you a small fortune over time. If you wish to sit through a free pitch you may as well go to a time share seminar. Just keep your hands in your pocket and don't sign anything. In the end, you will be be... | fiqa |
ecbdd2331a27efad564d244f2ee2df01 | What is the preferred way to set up personal finances? | [
{
"docid": "17ca7c806e458a344150bca1b1c60fa6",
"text": "\"There's a lot of personal preference and personal circumstance that goes into these decisions. I think that for a person starting out, what's below is a good system. People with greater needs probably aren't reading this question looking for an ans... | [
{
"docid": "a83f2509dd446926c5835164c3ac2c89",
"text": "\"First, you've learned a very good lesson that quite a few people miss out on: notice how easy it is to get out of debt when you get a windfall of money? The trouble is that if a person doesn't have the behavior to maintain their position, they will ... | fiqa |
f4ce8e647e250c07c665aadca585c6f8 | Is there a significant danger to market orders as opposed to limit orders? | [
{
"docid": "9a0574b1f4c64467251aa44803c3685e",
"text": "If you want your order to go through no matter what then you should be using market orders rather than limit orders. With limit orders you may get the price you are after or better but you are not guaranteed to get your order transacted. With a market ... | [
{
"docid": "661a82ae2d2703de1f52515e29710b2d",
"text": "Stop orders and stop limit orders typically do not execute during extended hours after the general market session has closed. Stop orders are market orders and market orders especially are not executed during extended hours. Although there are exceptio... | fiqa |
8f35de845b5212289a74aa860658fa1b | Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam? | [
{
"docid": "3cfa23856809120150fb4a487dadcfe4",
"text": "Its not a scam. The car dealership does not care how you pay for the car, just that you pay. If you come to them for a loan they will try and service you. If you come with cash, they will sell you a car and not try to talk you into financing. If yo... | [
{
"docid": "cd99c77ee8b7febe66494eacc2d709d6",
"text": "I have one additional recommendation: if the dealer continues to press the issue, tell them that they need to drop it, or you will write a Yelp review in excruciating detail about the entire experience. Used car dealers are very aware of their Yelp pre... | fiqa |
33922a97d84b7eb7a758aa01c3366360 | Can I add PMI to my principal balance when I take out a mortgage? | [
{
"docid": "ccb71fa99e07c304004b78e7c1b9e1a2",
"text": "There are few different types of MI you can choose from, they are: Borrower-Paid Monthly (this is what most people think of when they think MI) Borrower-Paid Single Premium (you may have QM issues on this) Lender Paid Single Premium Split Up-front and ... | [
{
"docid": "0c1aca7e474f451da3c645ecb68b2c99",
"text": "\"Check to see if you can do this at this point. When I was refinancing the mortgage on my last house, I put a sizable \"\"extra\"\" chunk down like you're planning to do, but the amount of the loan had already gone through the processing (for lack of ... | fiqa |
c538973e8f80d7ef47ecc67ed2220d93 | FICA was not withheld from my paycheck | [
{
"docid": "b17812fbcc51ba2eaa7f18c455796b30",
"text": "Should I have a W-2 re-issued? A W-2 can be corrected and a new copy will be filed with the IRS if your employer incorrectly reported your income and withholding on a W-2 that they issued. In this case, though the employer didn't withhold those taxes, ... | [
{
"docid": "b4faf049ea1214f376c1b3ba4effb521",
"text": "\"Look at how much tax you paid last year, including withholding and any additional amount that might have been due with the tax return. Look at the instructions for the W-4 form, which sets how much tax you want your employer to withhold. Adjust the n... | fiqa |
28e29db1a78a9ec6e2dd985996f02d3c | What is a mutual fund “high water mark” and how does it affect performance fees? | [
{
"docid": "312fbf872c83d106346f1b676f5175db",
"text": "With the caveat that you should always read the fine print... Generally, the high water mark is the absolute highest mark at end of any quarter (sometimes month) over all the quarters (months) in the past. Intra-quarter marks don't matter. So, in yo... | [
{
"docid": "398e0210b897b26b43d1e3f1a3761f2f",
"text": "It says expense ratio of 0.14%. What does it mean? Essentially it means that they will take 0.14% of your money, regardless of the performance. This measures how much money the fund spends out of its assets on the regular management expenses. How much ... | fiqa |
68056f4501fae807dbccc0bd496e3991 | Calculating savings from mortgage interest deduction vs. standard deduction? | [
{
"docid": "266260faec9cc263180d42275dbabe8c",
"text": "Those choices aren't mutually exclusive. Yes, most discussion of the mortgage interest deduction ignores the fact that for a standard itemizer, much, if not all of this deduction can be lost. For 2011, the std deduction for a single is $5,800. It's n... | [
{
"docid": "7eda81d131c6cc41b3b3c91503b40e8a",
"text": "Keep in mind, when talking about other deductions, such as mortgage interest, you need to look at your overall situation and whether the taxpayer is near the standard deduction amount. For some, their interest deduction and property tax are below the s... | fiqa |
eec5f98e4cf570d5a6b6dcf7f7ff73d8 | Thorough Description of Yield to Maturity? | [
{
"docid": "36447131a937afa434b9e3fbee6ad62c",
"text": "\"What is a bond price? A bond is an asset, and like any tradeable asset it has a price. If I hold $10K face value of a certain GM bond, then I would be willing to sell it at some price, which may be more or less than $10K. Whoever is willing to sel... | [
{
"docid": "01a307c4236d58d3e0da1df77541e4a9",
"text": "I didn't take too many finance or economics courses so i can't comment. In my post I recommended the YouTube video or audiobook 'why an economy grows and why it doesn't' I guess it's more economy related than finance related, but is still relevant a... | fiqa |
ac942a5ad9e39874905e6925007f5cad | Should I close unused credit cards before applying for another? | [
{
"docid": "14a8104cc721912796133a8399109750",
"text": "If you're looking for cause-effect, applying for another card won't matter at all if you're not paying any interest, or not looking to get another installment loan for which the rate you get depends on your credit rating. If you are looking to get anot... | [
{
"docid": "81d114ea295197e18a5c001af09566f2",
"text": "I should apply for everything I can on the same day, get approved for as many as I can First it may not sound as easy. You may hardly get 2-3 cards and not dozens. Even if you submit the applications the same day; If you still plan this and somehow get... | fiqa |
97750f9e5d1785d8567a37ef2e45289c | That “write your own mortgage” thing; how to learn about it | [
{
"docid": "023bd818a025e77099e61818de23876d",
"text": "\"It sounds like you are describing \"\"seller-financed\"\" mortgages (also sometimes called \"\"self-financed\"\", where \"\"self\"\" is the seller). In essence the buyer and seller enter into a legal contract (a promissory note) that specifies the p... | [
{
"docid": "f0526e7431f71287e6672e599e85d48e",
"text": "\"Is english not your first language? I'm not trying to be rude i just want to understand if the difficulty in communicating with you comes from a language barrier or something else. Finance and accounting knowledge are things people go to university ... | fiqa |
649875eb0c2ceac932e23ee504babe8c | 3-year horizon before trading up to next home: put windfall in savings, or pay off mortgage? | [
{
"docid": "bb742c1676a44334b1939d7996b4b686",
"text": "First, I would want cash around the time I made the move. I would like enough for a 20% down payment, moving expenses, and enough for 6 months of mortgage payments on the existing house. This way if the house does not sell quickly, you are safe. As ... | [
{
"docid": "95cac5dce8eb68e238ea8964d0af78e7",
"text": "\"Here is the thing if in 2020-2040 you can buy CD's that pay 4% then you would kick yourself for paying your mortgage early and costing you a no risk 1% revenue on your money. Think about this? You have a 4% mortgage that is costing you less than 3% ... | fiqa |
831cb06b2f68d9fe518f09fa397757ac | What is the 'real' monthly cost of a car? | [
{
"docid": "3c9eeb63ce4b69eb518b866cceac5377",
"text": "How can I find out what these 'additional' costs will be when looking to buy a car? If you know what model you're interested in buying you can try out Edmund's True Cost To Own calculator. This will estimate the depreciation, taxes and fees, financing ... | [
{
"docid": "3a0485f78810e7db67128ae2e457166d",
"text": "There are a few factors I like to consider when I'm reasoning financially over my households cars. How many KMs will the car travel each year because I like to factor in how often tires will need to be changed, how much tires for my models cost as well... | fiqa |
455c670b5dcc0d39a7b73e0baec3af17 | Pay off car or use money for down payment | [
{
"docid": "9e750f0e4742820944816ee5fc7cc817",
"text": "Break the transactions into parts. Go to your bank or credit union and get a loan commitment. When applying for loan get the maximum amount they will let you borrow assuming that you will no longer own the first car. Take the car to a dealer and get a ... | [
{
"docid": "fe242e61ddef31e5d703de79fde2b92e",
"text": "At the moment, you are paying about $1,300 interest each month (£431k @ 3.625% / 12) on your mortgage and repaying capital at about $1,500 per month. Paying $11,000 off your mortgage would save you about $9,000 as it is reduces your balance by about se... | fiqa |
7ca9ebcdfc0e42db5a730b4003281f86 | Should I switch to this high rate checking account for my emergency fund? | [
{
"docid": "bc0868f993b2fbc3bd7ab7251dc90b69",
"text": "I do this, and as you say the biggest downside is not having a separate account for your savings. If you're the type of person who struggles with restraint this is not for you. On the other hand this type of account gives more interest than any other ... | [
{
"docid": "78b866346dad4ae9859949c7e4c33b55",
"text": "There are a lot of open questions about if this is your only accessible money or if you have other emergency funds, and if you have any retirements savings and when do you plan to retire, but leaving this all aside: You currently pay 2.65% on the mortg... | fiqa |
075341e90635e6d6fad052c55426ec32 | Should I make additional payments on a FHA loan, or save up for a refinance? | [
{
"docid": "c0042f9f7a2a4549157ed3849889c584",
"text": "You would have to do the specific math with your specific situation to be certain, but - generally speaking it would be smarter to use extra money to pay down the principle faster on the original loan. Your ability to refinance in the future at a more ... | [
{
"docid": "fd5609bb27cf8730ce7d33454f9284f8",
"text": "If you're planning to walk away from the house - don't invest any more money in it. Just be aware of the consequences. It may be worth considering a short sale if both the lenders will agree to erase the debt. If you're going to keep the house, then th... | fiqa |
460e046f6530dc791409f2b475a99d7a | Remortgaging my home to release capital for second property | [
{
"docid": "b8381f6e7afdb98bc894287b37b344a6",
"text": "I've had a hard time finding out details on remortgaging Help to Buy loans myself, but found one article (http://www.thisismoney.co.uk/money/mortgageshome/article-3038831/Help-Buy-borrowers-risk-missing-best-remortgage-deals.html) which points out it I... | [
{
"docid": "3d0658033b028dc27886717f8b643785",
"text": "\"There is no guarantee improvements will raise the appraised value. You also don't want your property tax appraisal to go up if you can avoid it. Since you are talking on the order of $10k I'll assume you're only a few thousand dollars more from gett... | fiqa |
0e6ca30090395b75fff78d251d854cee | What is the difference between Protected-equity loan vs Equity loan? | [
{
"docid": "4289b7bb5ea91d1017834c973289a724",
"text": "In simple terms : Equity Loan is money borrowed from the bank to buy assets which can be houses , shares etc Protected equity loan is commonly used in shares where you have a portfolio of shares and you set the minimum value the portfolio can fall to .... | [
{
"docid": "0ada391b851e4f03449e58bdfff9259c",
"text": "\"Many thanks for thedetailed response, appreciate it. But I am still not clear on the distinction between a public company and the equity holders. Isn't a public company = shareholders + equity holders? Or do you mean \"\"company\"\" = shareholders+e... | fiqa |
bc099cf74dab62e0f0bc04176d17bf5b | Is there a good book that talks about all the type of products to invest? | [
{
"docid": "9c7a481787c4d65a5e1c0f655de738d2",
"text": "There is no magical book that talks about the thousands of investment instrument types that are available ranging from brown fields land up to CDS futures and beyond. In addition to the huge number the depth of understanding ranges from knowing that a ... | [
{
"docid": "09efcb12d81aef7948756b5a63c6b944",
"text": "The book HOLD: How to Find, Buy, and Rent Houses for Wealth by Chader et al. was one of the best I've read on the subject. It has all of the basics, explanations, examples, and gives you real-life assumptions for your inputs when you do your analysis. ... | fiqa |
3e3c33c39a17469e54ee135478fad2cd | If the co-signer on my car loan dies, can the family take the car from me like they're threatening to? | [
{
"docid": "fefedb73e7061bab2a239618cd3b88c2",
"text": "It looks to me like this is a 'call an attorney' situation, which is always a good idea in situations like this (family legal disputes). But, some information. First off, if your family is going to take the car, you certainly won't need to make paymen... | [
{
"docid": "47f824d42ed7ff0928853fa65f72d426",
"text": "\"I am not sure how anyone is answering this unless they know what the loan was for. For instance if it is for a house you can put a lien on the house. If it is for the car in most states you can take over ownership of it. Point being is that you n... | fiqa |
bef2ce109170939d8ff508a22c47237c | Why would refinancing my mortgage increase my PMI, even though rates are lower? | [
{
"docid": "18b06f43d9097e00fa8c79640f545c5d",
"text": "Is that an FHA loan you have? And you're wanting to do one of those low cost FHA re-fi's, right? The answer is that in between when you first got that loan and now, the government's changed the rules on PMI for FHA loans. It more than doubled the amoun... | [
{
"docid": "580a99928ac197a0f28d77e7f3786d50",
"text": "That's why they're taking the deal. But it's not like they completely stole all that money. I don't have any stats, but I'd assume most of those people who got their loans are still in their homes. (Sorry, I could be way off. Please correct) But they s... | fiqa |
c5eec1b9edf9b61ffffcbd1ff0178476 | What is the formula for determining estimated stock price when I only have an earning per share number? | [
{
"docid": "f535a0d7cc0538b79c889db8e26ef801",
"text": "Stock price = Earning per share * P/E Ratio. Most of the time you will see in a listing the Stock price and the P/E ration. The calculation of the EPS is left as an exercise for the student Investor.",
"title": ""
},
{
"docid": "306e4dbc38d... | [
{
"docid": "217db2ca4993d62044f857c9618dbc9f",
"text": "If you are calculating: keep in mind that company A probably also sells washers, dryers, stoves, dish washers.... Each of which has their own market size. Also remember that people pay X times the value of earnings per share, so the value depends not o... | fiqa |
d56c25bd9aecf0f29bbada40bc8c73cf | Good yield vs. safer route (Checking vs. Savings) | [
{
"docid": "f2f749afff95113e4b800f2888e6a707",
"text": "In the US bank or credit union checking, savings, CD's are insured through FDIC or NCUA. The coverage is for $250,000. This limit can be increased by having multiple accounts. You, your spouse, and a Joint account with your spouse, are considered 3 dif... | [
{
"docid": "b65bae7fed9652724ef5ee2590cb7cf7",
"text": "This is a very good question! The biggest difference is that when you put money in a savings bank you are a lender that is protected by the government, and when you buy stocks you become an owner. As a lender, whether the bank makes or loses money on t... | fiqa |
a04081549f301bf14c9c0acc1ce704a1 | Stock grant, taxes, and the IRS | [
{
"docid": "7f0fededa670a411cea1e495d339388f",
"text": "I went through this too. There's a safe-harbor provision. If you prepay as estimated tax payments, 110% of your previous year's tax liability, there's no penalty for underpayment of the big liquidity-event tax liability. https://www.irs.gov/publicatio... | [
{
"docid": "fe3a3f0caea8db6ae5875eb22f1bf99d",
"text": "Assuming you bought the stocks with after-tax money, you only pay tax on the difference. Had you bought he shares in a pretax retirement account, such as an IRA or 401(k), the taxation waits until you withdraw, at which point, it's all taxed as ordinar... | fiqa |
995a7881be2e1337fe5ecd4b27e2e871 | What is the p/e ratio? | [
{
"docid": "2d04f9874a062efbbe276fb82e73c715",
"text": "The price to earnings ratio is a measure of the company's current share price compared to the annual net earnings per share. The other way to think about this is the number of years a company would take to pay back the share price if the earnings stay... | [
{
"docid": "99d863578d26125199b3f9ac63a5bf4a",
"text": "\"To perhaps better explain the \"\"why\"\" behind this rule of thumb, first think of what it means when the P/E ratio changes. If the P/E ratio increases, then this means the stock has become more expensive (in relative terms)--for example, an increa... | fiqa |
3583fde5ca5babace6c41150f8fc6ee7 | Which graduate student loans are preferable? | [
{
"docid": "6a29ceaf87d00765a91c3425175ea0ed",
"text": "Of course, the situation for each student will vary widely so you'll have to dig deep on your own to know what is the best choice for your situation. Now that the disclaimer is out of the way, the best choice would be to use the Unsubsidized Stafford l... | [
{
"docid": "3da0811f483a5b0aff267157daf9fc73",
"text": "My graduate stipend was wage income so I could make Roth IRA contributions. Don't lose the year; you can withdraw nominal contributions if needed. What you choose is less important than making the contribution.",
"title": ""
},
{
"docid"... | fiqa |
ae38f26377327f984879ab718eea1cee | Quantiative Easing fuels stock markets, but why? | [
{
"docid": "96a2942dfa624446406a128889324e34",
"text": "There's a premium or discount for various stocks subject to influence by the alternatives available to investors, meaning investments are susceptible to the principle of supply and demand. This is easily seen when industries or business models get hot,... | [
{
"docid": "7acc0cc7b924cbf49ca9a80edd4ec788",
"text": "The satisfaction from gains packs less of an emotional impact than the fear of loss. It's very difficult for many people to overcome this fear, so when prices begin to fall, many investors sell to minimize their potential loss. This causes a further dr... | fiqa |
fd2ca0360f770cb9e5d099b2c58a4974 | Paid off oldest CC keep it open or close it? | [
{
"docid": "d9ad3bad94c76aa6ab2e013dcbfa0c3e",
"text": "Close the account. The age doesn't outweigh the fact that you have to pay for the card. It would be one thing if the credit line was a couple thousand but showing the credit bureaus that you are staying away from the $425.00 doesn't really make them ... | [
{
"docid": "9eaff63f830b003937885bd38a7490d3",
"text": "The other responses are correct in that financially, you should pay off the highest-interest-rate debt first, while paying the minimum on any lower-interest-rate debt to avoid any fees or penalties. However, there is one more trick you might consider: ... | fiqa |
287ccaeb1ceb107b7fb7b6ff22d7fa8f | How to calculate money needed for bills, by day | [
{
"docid": "ef082fd9f0274dc21b86a1c9cf21dd9b",
"text": "I think you might benefit from adopting a zero-sum budget, in which you plan where each dollar will be spent ahead of time, rather than simply track spending or worry about the next expense. Here's a pretty good article on the subject: How and Why to U... | [
{
"docid": "c6fa632a4fe912a3d78b7a6592e82079",
"text": "\"I wrote a little program one time to try to do this. I think I wrote it in Python or something. The idea was to have a list of \"\"projected expenses\"\" where each one would have things like the amount, the date of the next transaction, the frequen... | fiqa |
3fb0cd9ad811e715eea231a610b8320a | Should I put more money down on one property and pay it off sooner or hold on to the cash? | [
{
"docid": "5334ecb10e7edc640226aeaf0b65475b",
"text": "\"I'm a little confused on the use of the property today. Is this place going to be a personal residence for you for now and become a rental later (after the mortgage is paid off)? It does make a difference. If you can buy the house and a 100% LTV lo... | [
{
"docid": "302ff94541610d094a190bec9d6a88c4",
"text": "Both seem to be reasonable. To decide you need to guess if the value of the house will go up or down between now and when you sell. If you think the value will go up - reach a calculation agreement now. If you think the value will go down - wait until ... | fiqa |
c3373253189e0460da58d701155f67d5 | Is Investments by Bodie just an expanded version of Essentials of Investments? | [
{
"docid": "4cec3ef51a22422e79fd6f350848ec70",
"text": "Reading the descriptions on Amazon.com it appears Investments is a graduate text and Elements of Investments is the undergraduate version of the text.",
"title": ""
},
{
"docid": "68096f69964e7c23df344624fe88ceb3",
"text": "They are act... | [
{
"docid": "5f2f33d9947c555e7176a748dd3f6dff",
"text": "1a. It isn't. Compound interest is compound interest. It works no different within a 401(k). 1b. Yes. 401(k)'s are made up of the same underlying assets that you could invest in with a regular brokerage account.",
"title": ""
},
{
"docid": ... | fiqa |
04e81a5156dcb3dd1476be045341e842 | Buying a House and Taking Part of 20% to move initial payment date forward | [
{
"docid": "54100a57d47534dc11922682d2510962",
"text": "In the prior PMI discussions here, it's been stated that the bank is not obligated to remove PMI until the mortgage's natural amortization puts the debt at 78% LTV. So, paying in advance like this will not automatically remove the PMI. Nor will a lump... | [
{
"docid": "fe42f4891bb8abe1c35dea12d56d0e78",
"text": "Save up a bigger downpayment. The lender's requirement is going to be based on how much you finance, not the price of the house.",
"title": ""
},
{
"docid": "ab25a613fdb672925f18ec5c484f974a",
"text": "Can't I achieve the exact same ef... | fiqa |
c9a9c830f0bdbfc2b90966e695933bda | Should I always pay my credit at the last day possible to maximize my savings interest? | [
{
"docid": "5dc10522b67ce00ee6ecb2c628f3f768",
"text": "If you have the ability to pay online with a guaranteed date for the transaction, go for it. My bank will let me pay a bill on the exact date i choose. When using the mail, of course, this introduces a level of risk. I asked about rates as the US curr... | [
{
"docid": "1f0c4c9e61a59c3e3be09bbee6ad4897",
"text": "I'm not asking if I should carry a balance to the end of the billing period and accrue interest Typically (I say typically because there may be some fringe outlier exception product that begins accruing interest immediately), if you're not carrying a b... | fiqa |
97faf92b03428905960f188f9792a60f | Is it better to buy a computer on my credit card, or on credit from the computer store? | [
{
"docid": "9b409376a73e9e3452cdb3b6f3e7c365",
"text": "Using your credit card: Applying for a store credit card: In general it is far better to not buy bigger items like a computer until you can pay cash, or pay for it on credit card (to get reward points) and then pay off the card the next month so you do... | [
{
"docid": "5fee4c2ada624f9f9dfd3cf43e073b65",
"text": "There are different ways of credit card purchase authorizations. if some choose less secure method it's their problem. Merchants are charged back if a stolen card is used.",
"title": ""
},
{
"docid": "f09e5df95d050feae1e745fb0c66f9bd",
... | fiqa |
d5eb140b58d2f84f9b2e2ec7fcb1cd7e | What to do with $50,000? | [
{
"docid": "3546d674628d675d54ccf4a127512ef0",
"text": "Here is some good advice, read your UCO prospectus. It seems to hold 20% of it's value ($600MM out of $3B) via 13800 of the Apr 21st 2015 contracts. (expiring in 30 days) Those will be rolled very quickly into the May contracts at a significant los... | [
{
"docid": "2bf9265a495665f7f97313f95b46b42f",
"text": "\"Investing the money is only wise if the return on the investment outpaces your highest interest debt. Otherwise, you are making less than is going out. Given that you are in your late 50's, High risk investments are probably a poor idea. If you're ... | fiqa |
a8aeb969101237981d8148e245204112 | Basic Info On Construction Loans | [
{
"docid": "3110b4b6766a0e1dac9a4b4944d29138",
"text": "\"Construction loans are typically short term that then get rolled into conventional mortgages at the end of the construction period. Since the actual construction loan is short term, you cannot combine it with a long-term land loan as well. You could ... | [
{
"docid": "77d9180f70d0802c2ce787ee20f2097e",
"text": "\"In a domestic setting, Letters of Credit are often used to build public works needed to support a development. So if you're bulldozing a few 3 story buildings to build a 50 story tower, the municipality will build appropriate water/sewer/gas/road in... | fiqa |
74c8357f7f085f5688061aecf959396e | Impact of RMD on credit worthiness | [
{
"docid": "3d99cb5ce8eb6305527348569333eae4",
"text": "I feel like this has nothing to do with income, and as such RMDs will not really help or harm you. After a person passes, credit card companies are unlikely to collect any outstanding balance. Debts cannot be inherited, however, assets can be made to ... | [
{
"docid": "846896e5f9c9e12678aa7d4b49272755",
"text": "Credit scores have a huge financial impact on consumers, even though most people don’t know how they are calculated or which bad habits may be driving theirs down. Your credit score is a number on a scale of 300 to 900 that can affect all of your finan... | fiqa |
55e110e10d4e2207f783d5af7fe27817 | Why ADP does not accurately withhold state and federal income tax (even if W4 is correct)? | [
{
"docid": "c8afd7222d68da2274599759df354008",
"text": "ADP does not know your full tax situation and while the standard exemption system (actually designed by the IRS not ADP) works fairly well for most people it is an approximation. This system is designed so most people will end up with a small refund w... | [
{
"docid": "484ba9dcfc97d92782ff077f49821d12",
"text": "\"Yep. You're single, you're possibly still a dependent on your parent's taxes (in lieu of rent), and you're finally bringing home bacon instead of bacon bits. Welcome to the working world. Let's say your gross salary is the U.S. median of $50,000. Wit... | fiqa |
4786d9a522595bec1ebabddb3e2f53d8 | What are the disadvantages to borrowing money for energy conservation measures / solar panels? | [
{
"docid": "6675f588bf751d03cb54e692c18ee1c6",
"text": "\"If you sell the property before the ten years are up, the panels might have declined in value more than the amount you owe declined. In the original post's situation, this is a negligible risk. Suppose (for the sake of argument) that each year's pan... | [
{
"docid": "2f0d259305893efee065306911adb1f5",
"text": "\"A quick online search for \"\"disadvantages of defence housing australia investment properties\"\" turns up a several articles that list a few possible disadvantages. I can't vouch for these personally because I'm not familiar with the Australian ren... | fiqa |
582e4458baf876e7c8456ba39e229246 | What is the equation for an inflation adjusted annuity held in perpetuity? | [
{
"docid": "79b730bea961def6987f5d292bed6251",
"text": "Let P denote the amount of the investment, R the rate of return and I the rate of inflation. For simplicity, assume that the payment p is made annually right after the return has been earned. Thus, at the end if the year, the investment P has increas... | [
{
"docid": "a62f9bf9ee7bf19558203d8ca777ccf5",
"text": "\"Can you give the context? A bond usually only has one \"\"tenor,\"\" so weighted average tenor could apply to all the bonds that a single firm owes? Or an industry or the market or a specific bond rating or whatever. But we usually use duration as it... | fiqa |
1aa0aec530631a980f79918f0797bf55 | What are the possible metrics for evaluating annual performance of a portfolio? | [
{
"docid": "ab80bacac82aee1f35b9de381d028a40",
"text": "The Investopedia article you linked to is a good start. Its key takeaway is that you should always consider risk-adjusted return when evaluating your portfolio. In general, investors seeking a higher level of return must face a higher likelihood of tak... | [
{
"docid": "0943e45e3c60536cea418a843e1c6250",
"text": "There are at least a couple of ways you could view this to my mind: Make an Excel spreadsheet and use the IRR function to compute the rate of return you are having based on money being added. Re-invested distributions in a mutual fund aren't really an ... | fiqa |
4fb3f0ba8857306ab54d03543ac043a4 | First Time Home Buyers - Down Payment, PMI and Points | [
{
"docid": "d47d3e6a08b9cd9906a0b18a2a29bbf6",
"text": "1 - For FHA loans PMI is required for mortages where there is not at least 20% equity. Bank Financed Non-FHA loans may have other standards. If you are getting an FHA loan ,if possible put down 20% so that you do not have to pay PMI. That said your ... | [
{
"docid": "7a16e7a60d19912d82df48675bb490c6",
"text": "\"I second DJClayworth's suggestion to wait and save a larger down-payment. I'll also add: It looks like you neglected to consider CMHC insurance in your calculation. When you buy your first home with less than 20% down, the bank will require you to ... | fiqa |
d7386d49ee226421e6968ade98135234 | Why is there inconsistent returns difference between direct and regular Mutual Funds? | [
{
"docid": "70757dd5682c2ad8c2a0363b06a1d776",
"text": "If this is the case, then shouldn't the difference between their annualized returns be same year on year? In general yes, however there difference has a compounding effect. i.e. if the difference if 5% first year, this money is invested and it would ge... | [
{
"docid": "1af8f838d7041ba6c1066ea564d306ff",
"text": "\"In the case of mutual funds, Net Asset Value (NAV) is the price used to buy and sell shares. NAV is just the value of the underlying assets (which are in turn valued by their underlying holdings and future earnings). So if a fund hands out a billion ... | fiqa |
9c877dec01775a710c47d22667cfbf64 | Oversimplify it for me: the correct order of investing | [
{
"docid": "0baa5a3c7ea69b3083e0f3e3e37d1e5e",
"text": "I am a firm believer in the idea of limiting debt as much as possible. I would not recommend borrowing money for anything other than a reasonably sized mortgage. As a result, my recommendations are going to be geared toward that goal. The top priorit... | [
{
"docid": "7977d3c2f03fdc9ffd7ec7b2853de952",
"text": "I would also consider unnecessarily complex investment strategies a big warning sign as they can easily hide poor investment advice or a bad strategy. This is especially the case when it comes to retail investment as complex strategies can have so many... | fiqa |
57ea3d7b7bcd20d8fdb770c629ea45a5 | What is the effect of dividends on the futures price of an index | [
{
"docid": "0e6c1f7efce6057935896af1d891ccbe",
"text": "A futures contract is based upon a particular delivery date. In the case of a stock index futures contract is a cash settled futures contract based upon the stock index value at a particular point in time (i.e. this is when the final settlement is det... | [
{
"docid": "8e8af2153d47ac0e34eafd553a1d3ccd",
"text": "After searching a bit and talking to some investment advisors in India I got below information. So thought of posting it so that others can get benefited. This is specific to indian mutual funds, not sure whether this is same for other markets. Even cu... | fiqa |
0638d9c7a011c3221662bdda8deb3381 | How does an index rearrange its major holdings | [
{
"docid": "7f0601be1f9b011df688d8b6ebf0f923",
"text": "An index will drop a company for several reasons: A fund decides how close they want to mirror the index. Some do so exactly, others only approximate the index.",
"title": ""
},
{
"docid": "d599a69ff594c8e224478cdcddad2a41",
"text": "S... | [
{
"docid": "90a8fed539dd11762ca3dad3daa1514b",
"text": "If a stock that makes up a big part of the Dow Jones Industrial Average decided to issue a huge number of additional shares, that will make the index go up. At least this is what should happen, since an index is basically a sum of the market cap ... | fiqa |
2c41eabc965ed4ef9f591c16015e3cf9 | Is it legal to sell my stock at any specified price to a specified person in US Market? | [
{
"docid": "9100a3e1cee41f47fc7d15a0ffe99996",
"text": "So I want to sell my 100 shares of AAPL to him at a price of 10 or even 1 US Dollar. Is that legal/allowed? Of course. It's your stocks - do with it what you want. if the two persons are not served by a same broker. You'll have to talk to your broker... | [
{
"docid": "a195bc1db3e3089f9216fa4126fd4007",
"text": "\"Yes, you can do that, but you have to have the stocks issued in your name (stocks that you're holding through your broker are issued in \"\"street name\"\" to your broker). If you have a physical stock certificate issued in your name - you just endor... | fiqa |
32d9a5d8876ca12bc83a0fc8bd33456c | What happens to options after a stock split? | [
{
"docid": "3905d2c2904e354193891754dc85ccd1",
"text": "It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on different scenarios - Splits, Mergers, Spinoffs & Bankruptcies also if you have time to read Characteristics & Ri... | [
{
"docid": "aae251f0f02378096008d1da385f7c25",
"text": "No, if your stock is called away, the stock is sold at the agreed upon price. You cannot get it back at your original price. If you don't want your stock to be called, make sure you have the short call position closed by expiration if it is ITM. Also ... | fiqa |
677a3b5c63cdc13df189326818b481f6 | Understanding the symbols next to the Ticker | [
{
"docid": "2a123a5257336278656f89e22c3cdeb3",
"text": "\"I don't understand what the D, to the right of APPLE INC, means. This means the graph below is for the \"\"D\"\". There is selection at top and you can change this to Minutes [5,20,60,etc], Day, Week [W], Month [M] I'm not understanding how it can sa... | [
{
"docid": "a9d3a69f8a6b441e6dc66b013eb677a9",
"text": "id like to start by saying youre still doing this yourself, and i dont actually have all the info required anyway, dont send it but >[3] Descriptive Statistical Measures: Provide a thorough discussion of the meaning and interpretation of the four d... | fiqa |
3852c6d5e0c9e16e8a19bea234c2c974 | Are there any market data providers that provide a query language? | [
{
"docid": "8bc214581ab68636e45093c6a9e87aaa",
"text": "You can give YQL a try. I'm not sure it can do the query you want, but for example you can do: (try it here) And this best thing about it - it's free.",
"title": ""
}
] | [
{
"docid": "96ffe6a551593b9b69ec6a68d6a2175b",
"text": "You may refer to project http://jstock.sourceforge.net. It is open source and released under GPL. It is fetching data from Yahoo! Finance, include delayed current price and historical price.",
"title": ""
},
{
"docid": "0f8ff70696e06a1a1df4... | fiqa |
04561a769dc2329ac81aa8e95c6360f4 | Are spot market ,regular market and ready market same in stock trading if not then what is the difference? | [
{
"docid": "f8192a8b59e7dc34d8ba75d13043d01f",
"text": "\"So, the term \"\"ready market\"\" simply means that a market exists in which there are legitimate buy/sell offers, meaning there are investors willing to own or trade in the security. A \"\"spot market\"\" means that the security/commodity is being d... | [
{
"docid": "ebf74e54b59ea99d8e2245b5c5a37902",
"text": "\"With stocks, you can buy or sell. If you sell first, that's called 'shorting.' As in \"\"I think linkedin is too high, I'm going to short it.\"\" With options, the terminology is different, the normal process is to buy to open/sell to close, but if y... | fiqa |
716609f4194b88ac73c0e02dafd7f736 | Are these really bond yields? | [
{
"docid": "02712dd09c447dfaea3a56b5f27d68d2",
"text": "\"that would imply that a 30Y US Treasury bond only yields 2.78%, which is nonsensically low. Those are annualized yields. It would be more precise to say that \"\"a 30Y US Treasury bond yields 2.78% per year (annualized) over 30 years\"\", but that t... | [
{
"docid": "2c7e81b14aae407aa74a480c70bcbd50",
"text": "My question is (ok a lot of questions) how viral are these borrowing cost increases? Will other European countries need to raise bond yields to sell bonds? Will the US? Will the US be lending Spain part of the $125b bailout money and raise borrowing co... | fiqa |
02ca3d9c3eec049c042ae167af6f5141 | What part of buying a house would make my net worth go down? | [
{
"docid": "44606c838d859855334dd121603cac68",
"text": "Buying a house can definitely make your net worth go down because there are expenses involved (interest expense, closing costs, taxes, maintenance, etc.). So unless the house appreciates in value enough to offset these things, you will see a drop in yo... | [
{
"docid": "d129de5049e0ce307a46337a8462b5c2",
"text": "To your first question: YES. Capital gains and losses on real-estate are treated differently than income. Note here for exact IRS standards. The IRS will not care about percentage change but historical (recorded) amounts. To your second question: NO... | fiqa |
e44b53ef5de08108d637c1fd56adf666 | Motley fool says you can make $15,978 more per year with Social Security. Is this for real? | [
{
"docid": "a6d379e1608fb9f5784adae4c5e216d7",
"text": "The purpose of this spammy Motley Fool video ad is to sell their paid newsletter products. Although the beginning of the video promises to tell you this secret trick for obtaining additional Social Security payments, it fails to do so. (Luckily, I fo... | [
{
"docid": "5e02604ba9a683a904508ddc6fb0142a",
"text": "\"Both are saying essentially the same thing. The Forbes articles says \"\"as much as 20% [...] up to a maximum of $50,000\"\". This means the same as what the IRS page when it says the lesser of a percentage of your income or a total of $53,000. In... | fiqa |
d5411571b5f6a5ed42859065805c6a04 | I have $10,000 sitting in an account making around $1 per month interest, what are some better options? | [
{
"docid": "e07c617f1278b936ca41ad293ffd4b98",
"text": "Based on your question, I am going to assume your criterion are: Based on these, I believe you'd be interested in a different savings account, a CD, or money market account. Savings account can get you up to 1.3% and money market accounts can get up to... | [
{
"docid": "9812d64c3ece8001274f40ca58b458fb",
"text": "\"Assuming you've got no significant prepayment penalty, I would think about getting a longer mortgage, but making payments like it was a shorter mortgage. This will get the mortgage paid off in a shorter time period - but if you run into financial dif... | fiqa |
644f486cca89e369476db00d3f86e1aa | Is a property that comes with tenants a risk? | [
{
"docid": "74b0945decbe90d6bd5ec3b69427a43e",
"text": "\"The perceived risk depends on the entire situation, but often it is considered more risk, especially if you want to occupy yourself. Things you need to consider: It can be very difficult to show a property with tenants occupying it. There are many re... | [
{
"docid": "533849b422ef3b33e57bd133c162eba5",
"text": "\"With regard to worries about ownership: I'll point you towards this - The Cohabitants Rights Bill currently in First Reading at the House of Lords. Without a date for even the second reading yet. In short the Bill is attempting to redress is the lac... | fiqa |
9346d678dfb06e1ed4f39c36f5b2412b | How can I buy these ETFs? | [
{
"docid": "625a988bfb55940701a041358b283f3b",
"text": "Some of the ETFs you have specified have been delisted and are no longer trading. If you want to invest in those specific ETFs, you need to find a broker that will let you buy European equities such as those ETFs. Since you mentioned Merrill Edge, a ... | [
{
"docid": "413d3bf0ea58ed81d3f3075a50cae56d",
"text": "Wikipedia has a fairly detailed explanation of ETFs. http://en.wikipedia.org/wiki/Exchange-traded_fund",
"title": ""
},
{
"docid": "ca2dd5f266d4df81c365b3c9d5171ced",
"text": "Many brokers offer a selection of ETFs with no transaction ... | fiqa |
a0d0d8092a9cc4d52b8b412697b0c6e0 | Does a stock really dip in price on the ex-dividend date? And why would it do this? | [
{
"docid": "987d33b715576fb9b02c47166f7f0fc0",
"text": "\"The stock should fall by approximately the amount of the dividend as that is what is paid out. If you have a stock trading at $10/share and it pays a $1/share dividend, the price should drop to $9 as what was trading before the dividend was paid woul... | [
{
"docid": "d03319e7e10d7777ab0af425341562df",
"text": "Originally, stocks were ownership in a company just like any other business- you expected to make a profit from your investment, which is what we call dividends to stock holders. Since these dividends had real value, the stock price was based on what t... | fiqa |
86ed7fcc2e9b3102f5c3e5675e30fae0 | Negatives to increased credit card spending limit? [duplicate] | [
{
"docid": "02438e9bb394de18945773d7b7842e30",
"text": "The only drawback is if you spend more than you can with the new limit and end up having to pay interest if you can't pay the balance in full. Other than that, there are no drawbacks to getting a credit increase. On the flip side, it's actually good f... | [
{
"docid": "ada9b365d608336a462040cce275f6ab",
"text": "The old underwriting standards were 28% home debt to income ratio and 33% consumer debt to income ratio. Consumer debt is calculated based on minimum payments. Now, most models are revised upwards... I believe 33/38 is more common today. As long as yo... | fiqa |
7240358f9b90ffabca237d44aeda4421 | Buying a mortgaged house | [
{
"docid": "97a18181ea7766c38540dd8c3eadfd38",
"text": "Just as a renter doesn't care what the landlord's mortgage is, the buyer of a house shouldn't care what the seller paid, what the current mortgage is, or any other details of the seller's finances. Two identical houses may be worth $400K. One still ha... | [
{
"docid": "e3114d45827cfc2ab35bae84dc5fce87",
"text": "\"I'm in the \"\"big mortgage\"\" camp. Or, to put this another way - what would you be happier to have in 15 years? A house that is worth $300,000, or $50,000 of equity in a house and $225,000 in the bank? I would much rather have the latter; it gives... | fiqa |
084b67c81aae0acb1ae3af1f73a712c6 | Evidence For/Against Real Estate Investing Vis-a-vis Investing in ETFs | [
{
"docid": "9df8d0c8d093cd3767f3871e8c58682e",
"text": "Real Estate potentially has two components of profit, the increase in value, and the ongoing returns, similar to a stock appreciating and its dividends. It's possible to buy both badly, and in the case of stocks, there are studies that show the typic... | [
{
"docid": "24b82d946ddcb53abe69edbe767f483b",
"text": "\"> Asset prices are high and not matched by real world performance. See, I know a lot of people are saying this, but I'm not entirely sure this is true. Even if some tech stocks are \"\"artificially\"\" boosting the market to crazy levels, can you... | fiqa |
dc1b960e4fad778be5164061860217c7 | Townhouse or stand-alone house for a first home? | [
{
"docid": "fc10bfbcdf1afbd969f4378266520529",
"text": "First, some general advice that I think you should consider A good rule of thumb on home buying is to wait to buy until you expect to live in the same place for at least 5 years. This period of time is meant to reduce the impact of closing costs, which... | [
{
"docid": "48868ffe482149e6978a8f1257960eff",
"text": "The calculations you suggest have some issues, but I think they are not necessary to answer the question: It sounds like you are buying the house either way. So the question really is simply whether to pay toward your house first or your loan first. I... | fiqa |
a37c0d2a4b9ad14ec12af555d3c68ef6 | Explain: “3% annual cost of renting is less than the 9% annual cost of owning” | [
{
"docid": "58cc16d9bbd768860b22ec23e190393a",
"text": "The 3% and 9% figures are based on the cost of borrowing money and all the other ownership costs associated with real estate. From the same article: http://patrick.net/housing/crash1.html Because it's usually still much cheaper to rent than to own the... | [
{
"docid": "c02bdf6aeb4bfdfa3d5984e2b27f6d83",
"text": "If there are a lot of houses for sale, can you be sure that in a year or two you can sell yours? How long does the average house in that area stay on the market before it is sold? What percentage of houses never get sold? If it can't be sold due to th... | fiqa |
6addcffdbefe7ebb1242732700a4ad0d | Would I qualify for a USDA loan? | [
{
"docid": "55c5a0dbe4783ab733a40cb5cb74d70e",
"text": "IMHO you are in no position to buy a home. If it was me, I'd payoff the student loans, pay off the car, get those credit card balances to zero (and keep them there), and save up at least 10K (as an emergency fund) before even considering buying a home... | [
{
"docid": "750a1ab4a779a1150815ad21426169ae",
"text": "\"Wouldn't be advisable, it's not a bank account. However, some plans have emergency \"\"hardship\"\" provisions. Some that I'm familiar with would only be allowable if you are ineligible for a loan. Some of the reasons are purchase of a primary resid... | fiqa |
f381070305c9bfb8efae0983305e2290 | How could I find someone to find a room for me to live in? (For a fee, of course.) | [
{
"docid": "722cb8a0d538f3d791365958f12411e6",
"text": "Many colleges have offices that can help students find off campus housing. They will have information about rooms being let by families, and about houses being shared by groups of students. The biggest issue is that many of the best places were filled ... | [
{
"docid": "d531e6c8919ffe0ead8462feb2aba3db",
"text": "I wouldn't start a bidding war if I were you. Sometimes you may get potentially bad tenants who cannot find a property anywhere else offering more money just to get in a place. If you know nothing else about these people how can you guarantee they will... | fiqa |
791a8a4888199f7f119634cb21f83d04 | Consequences of buying/selling a large number of shares for a low volume stock? | [
{
"docid": "138446b35e5b8053b604db40cab61b74",
"text": "\"The effect of making a single purchase, of size and timing described, would not cause market disequilibrium, it would only hurt you (and your P&L). As @littleadv said, you would be unlikely to get your order filled. You asked about making a \"\"sudd... | [
{
"docid": "9af0557f84f79e21e7f87405211ea996",
"text": "\"There are two distinct questions that may be of interest to you. Both questions are relevant for funds that need to buy or sell large orders that you are talking about. The answer depends on your order type and the current market state such as the le... | fiqa |
567b1f3a13bef3dbe6f135cbba5b47f2 | Large BUY LIMIT orders' effect on a stock's price | [
{
"docid": "ede4598112e581bd2d95f2881bec6d33",
"text": "Traders sometimes look at the depth of the book (number of outstanding limit orders) to try and gauge the sentiment of the market or otherwise use this information to formulate their strategy. If there was a large outstanding buy order at $49.50, ther... | [
{
"docid": "87a5f0d18bc2cb7e78e815104cdd5230",
"text": "TD will only sell the stock for you if there's a buyer. There was a buyer, for at least one transaction of at least one stock at 96.66. But who said there were more? Obviously, the stocks later fell, i.e.: there were not that many buyers as there were ... | fiqa |
fcaad8de76e269a3a205ad609610cdc5 | Using Marine Traffic (AIS) to make stock picks? | [
{
"docid": "9daac524bddb7ad59fcf8b78ff44ab6f",
"text": "Since you seem determined to consider this, I'd like to break down for you why I believe it is an incredibly risky proposition: 1) In general, picking individual stocks is risky. Individual stocks are by their nature not diversified assets, and a singl... | [
{
"docid": "2e7fa2cff773fce251baa01ef94778ef",
"text": "We have custom software written in mostly C# for the long term strategies. Day trading is done on multiple platforms. Currently using ToS scripts for some futures and equities strategies to great success, and sierra charts for a few futures exclusively... | fiqa |
3ee63f651b331a9d818a47362cd96223 | How does the Dow Jones Industrial Average (DJIA) divisor change to account for dividends? | [
{
"docid": "5a471ff2224383dc5a4b1d140d6501ee",
"text": "The methodology for divisor changes is based on splits and composition changes. Dividends are ignored by the index. Side note - this is why, in my opinion, that any discussion of the Dow's change over a long term becomes meaningless. Ignoring even a 2%... | [
{
"docid": "b962d0c6c11e5ca3e77f09acaddf793b",
"text": "Most bond ETFs have switched to monthly dividends paid on the first of each month, in an attempt to standardize across the market. For ETFs (but perhaps not bond mutual funds, as suggested in the above answer) interest does accrue in the NAV, so the p... | fiqa |
17e6eda6994e2a83386b03e6e31a9de5 | Definition of equity | [
{
"docid": "f647dec432cc64c784b8e4707e83ead2",
"text": "I was wondering why equity is reflecting ownership of the issuing entity? That is the definition of equity in this regard. My understanding is that for a stock/equity, its issuing entity is a company/firm that sells the stock/equity, while its receivi... | [
{
"docid": "c197ad441c09d2f3cfd1b2b06df90281",
"text": "I think the most concise way to understand EV is the value of the *operating assets* of the firm. It's most generally used when using income statement or cash flow ratios that are unlevered - before applying interest expense (which if the firm is optim... | fiqa |
0430ac16d783b4364b83b81994485b5f | RSU vested recently | [
{
"docid": "c630aeb467186a71cce758e33cc14d9f",
"text": "ML is a brokerage firm. Tell them to sell. If you can't or don't know how to do it on-line - call them and do it over the phone. Your citizenship might come in effect when tax are withheld, you need to fill form W8-BEN if you haven't done so yet. If US... | [
{
"docid": "82563d9338f0325f339f1d01260121ea",
"text": "There's no best strategy. Options are just pieces of paper, and if the stock price goes below the strike price - they're worthless. Stocks are actual ownership share, whatever the price is - that's what they're worth. So unless you expect the company s... | fiqa |
62695bcbdf752339ce03af3f5a5f8cb1 | What happens when there are no Limit Orders? | [
{
"docid": "84434322484e6ec1298d53c4d304f4a4",
"text": "The obvious thing would happen. 10 shares change owner at the price of $100. A partially still open selling order would remain. Market orders without limits means to buy or sell at the best possible or current price. However, this is not very realistic... | [
{
"docid": "a5a762c3b03def85a56560b80be50f9b",
"text": "The options market requires much more attention to avoid the situation you're describing. An overnight $10 ask will remain on the books most likely as Good-Til-Canceled. The first to bid the low order gets it. If traders are paying attention, which t... | fiqa |
6418a7c6c71bb4e3115a9952a8c787e1 | How to deal with activist targeting of individual stocks? | [
{
"docid": "cabb237fffd7db5cb951c9fa74e91e1c",
"text": "The easiest way to deal with risks for individual stocks is to diversify. I do most of my investing in broad market index funds, particularly the S&P 500. I don't generally hold individual stocks long, but I do buy options when I think there are price... | [
{
"docid": "572b0b647b8c274e1b9589e7e76f2098",
"text": "\"It's only a \"\"loss\"\" if you believe the purpose of indexes is to represent the basket of underlying companies with the highest returns. But that's simply not true. An index is just a rules-based way to track/measure a thing. That thing could b... | fiqa |
323b96951bc39f1390bd77a5719ca6a4 | Wash sale rule + Mutual Funds/ETFs? | [
{
"docid": "bc9c200f6660dd9981ab887eb936190c",
"text": "I think the IRS doc you want is http://www.irs.gov/publications/p550/ch04.html#en_US_2010_publink100010601 I believe the answers are:",
"title": ""
}
] | [
{
"docid": "9c913aa51881967e18ada87b98694a77",
"text": "\"It sounds like this is an entirely unsettled question, unfortunately. In the examples you provide, I think it is safe to say that none of those are 'substantially identical'; a small overlap or no overlap certainly should not be considered such by a... | fiqa |
656f1085c70e65046e9efa0b7e431a4c | Advantages/disadvantages of buying stocks on dips vs buying outright? | [
{
"docid": "8dbdddb22ed0ff93c0954d3232ddebb1",
"text": "If your stock is rising and you want to buy on a dip, the best way to do this is by looking at the chart and incorporating simple Technical Analysis techniques. Firstly, an uptrend is defined as a price chart with higher highs and higher lowers. If you... | [
{
"docid": "78b7dcd85e04cf7c72bb3a494bc49a53",
"text": "It's a matter of risk and reward. And its origin goes back to the Black Scholles equation, which is sort of a bell curve of possible outcomes. Do you see that from $36 to $34 strike, you are putting up over 35% more money to lower your break even by 3... | fiqa |
0ab48c6b6749a8a437e70724bffc9184 | Is there a list of OTC stocks being added to the major exchanges? | [
{
"docid": "405279b2a7eb44babb0ab829e734ed52",
"text": "\"Check your broker's IPO list. Adding a new stock to a stock exchange is called \"\"Initial Public Offering\"\" (IPO), and most brokers have a list of upcoming IPO's in which their clients can participate.\"",
"title": ""
},
{
"docid": "d6... | [
{
"docid": "66c2e069c3503182b76c10aac73e22e5",
"text": "Thanks to the other answers, I now know what to google for. Frankfurt Stock Exchange: http://en.boerse-frankfurt.de/equities/newissues London Stock Exchange: http://www.londonstockexchange.com/statistics/new-issues-further-issues/new-issues-further-iss... | fiqa |
f156ff2476b28163f1e0bb62a647164a | How does an enlarged share base affect share price? | [
{
"docid": "04d97ff77a153c1e771486cd85801577",
"text": "Most of the time when a stock splits to create more shares, it is done to bring the price per share down to a level that makes potential investors more comfortable. There are psychological reasons why some companies keep the price in the $30 to $60 ran... | [
{
"docid": "4e4095d42a193b554e513a451e5dc91b",
"text": "The company's value (which should be reflected in the share price) is not how much money it has in the bank, but something along the lines of 'how much money will it make between now and the end of times' (adjusted for time value of money and risk). So... | fiqa |
e6a6826c5f739fe21070e586d4502958 | What are “trailing 12-month total returns”? | [
{
"docid": "ec3d2ef054779dcb4a3ca4667c2cdb52",
"text": "( t2 / t1 ) - 1 Where t2 is the value today, t1 is the value 12 months ago. Be sure to include dividend payments, if there were any, to t2. That will give you total return over 12 months.",
"title": ""
},
{
"docid": "36da6bde98ebe39b832a2... | [
{
"docid": "bc964ec49166d654ca6c7eb985c40ba0",
"text": "\"What exactly do you need explained? Short term returns show \"\"fat tails\"\" in their distribution. Long term returns converge towards a gaussian distribution. The authors think there's a connection between this and the \"\"long memory\"\" of vol... | fiqa |
f8952941297709d594a2348918921f53 | Bid price… sudden Drop | [
{
"docid": "495c342f3cfec0dc4d35802cfc0b6011",
"text": "An option gives you the option rather than the obligation to buy (or sell) the underlying so you don't have to exercise you can just let the option expire (so long it doesn't have an automatic expiry). After expiration the option is worthless if it is ... | [
{
"docid": "e96cd274fba81dbc2091ded7359dabed",
"text": "When you place a bid between the bid/ask spread, that means you are raising the bid (or lowering the ask, if you are selling). The NBBO (national best bid and offer) is now changed because of your action, and yes, certain kinds of orders may be set to ... | fiqa |
431a36921b869038fe2abf62eabf0f82 | What tax law loophole is Buffet referring to? | [
{
"docid": "ac70de86f7432cca214663a85920e3dc",
"text": "A Section 1256 contract is any: Non-equity options include debt options, commodity futures options, currency options, and broad-based stock index options. A broad-based stock index is based upon the value of a group of diversified stocks or securities ... | [
{
"docid": "57296981569f8b7f4358c2884380af9a",
"text": "\"The first article you link clearly refers to Warren Buffet and doesn't, in regard to taxes, refer in any way to Berkshire Hathaway. The second article you link is titled, \"\"Ways Professional Traders Can Save Big At Tax Time.\"\" Berkshire Hathaway ... | fiqa |
3f46091bd6f91b20497aaa674331bef5 | Where can I find a good online fundamental data provider for Hong Kong stocks? | [
{
"docid": "b20bcc87aaf2e168aa3e45dbcbdffd65",
"text": "If you check out China Stock Markets Web provides details on all things that trade on there. It covers the Hang Seng Index, SSE Index, and SSE Component Index. There is also tons of information for investors on the exchange website here.",
"title":... | [
{
"docid": "ce74473919d8ee1c40037ea199392734",
"text": "An alternative to paying thousands of dollars for historical prices by the minute: Subscribe to real time data for as low as USD$1.5/month from your broker, then browse the chart.",
"title": ""
},
{
"docid": "c83ab56176a53cc349d933f86728f7... | fiqa |
c363b2c74e1b54a1ceed7b3ab96a4a7e | Question on buying selling and buying again | [
{
"docid": "37c2382b45e55c431fdc9686dd772e26",
"text": "Firstly 795 is not even. Secondly - generally you would pay tax on the sale of the 122 shares, whether you buy them back or not, even one minute later, has nothing to do with it. The only reason this would not create a capital gains event is if your co... | [
{
"docid": "df8064640cb8309f77df6ce7ab98bf82",
"text": "I think your confusion has arisen because in every transaction there is a buyer and a seller, so the market maker buys you're selling, and when you're buying the market maker is selling. Meaning they do in fact buy at the ask price and sell at the bid ... | fiqa |
ad162cb4f7ab874f4b29b5e0bdb32f51 | How are proceeds from writing covered calls taxed? | [
{
"docid": "70b4d269329f80b378156a5cb2f432ac",
"text": "\"The tax comes when you close the position. If the option expires worthless it's as if you bought it back for $0. There's a short-term capital gain for the difference between your short-sale price and your buyback price on the option. I believe the ca... | [
{
"docid": "c00f25b09b21b595e67585e394865268",
"text": "If the company pays for Group Term Life Insurance, some of that premium payment may be taxable. If memory serves, that's what's included in W-2 Box C. W-2 Box C has no bearing on Schedule C.",
"title": ""
},
{
"docid": "28f13758cf91f1e70e6... | fiqa |
32d53cda6027e82c51f5cd4a1b3e5bee | After Market Price change, how can I get it at that price? | [
{
"docid": "80bc55cf82d2add4d1ecf35cd96ad431",
"text": "\"If the price used to be 2.50 but by the time you get in an order it's 2.80, you're going to have to pay 2.80. You can't say, \"\"I want to buy it at the price from an hour ago\"\". If you could, everybody would wait for the price to go up, then buy a... | [
{
"docid": "5171a95db59f59c3e0215c4bef9d21e2",
"text": "I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant: often. More realistically, it's going to be sometimes. And that's just how supply and demand should work. The ask is where you know you can buy r... | fiqa |
96bc5d32e7a48aba928f25149531624e | Allocating IRA money, clarification needed | [
{
"docid": "ad97d7fbf17859a1d8358f48cf94d807",
"text": "There was a time that a rule of thumb stated your stock allocation should be 100-your age. That rule suggests that you are at 65%stock/35% bond/cash. If you are comfortable having this money 100% invested, the best advice would be dollar cost averaging... | [
{
"docid": "95d644f53fc866a2661814b7550582cd",
"text": "As littleadv suggested, you are mixing issues. If you have earned income and are able to deduct an IRA deposit, where those actual dollars came from is irrelevant. The fact that you are taking proceeds from one transaction to deposit to the IRA is a b... | fiqa |
ee1aa3155b73d4ae8d02e2b139c40f4d | Savings account with fixed interest or not? | [
{
"docid": "a1e02d70e74b7b833e135cb1e6c40f21",
"text": "\"Personally I would have a hard time \"\"locking up\"\" the money for that very little return. I would probably rather earn no interest in favor of the liquidity. However, you should find out what the early removal penalties are. If those are minima... | [
{
"docid": "301bfdde2a9a2b9e9e1161c2eb7aba16",
"text": "You can't both enforce saving and have access to the money -- from what you say, it's clear that if you can access the money you will spend it. Can you find an account that allows one withdrawal every six months but no more, which should help to cut do... | fiqa |
0c661cf7199f4edbe97cefaded18b304 | How to decide on split between large/mid/small cap on 401(k) and how often rebalance | [
{
"docid": "28b5ddd17e812c9911fc68a3d4514b2b",
"text": "I really like keshlam's answer. Your age is also a consideration. If you make your own target fund by matching the allocations of whatever Vanguard offers, I'd suggest re-balancing every year or every other year. But if you're just going to match the a... | [
{
"docid": "bfb844efdcbda51b6ec1bb6a74c2bfb2",
"text": "The reports of my death have been greatly exaggerated. - Twain I use index funds in my retirement planning, but don't stick to just S&P 500 index funds. Suppose I balance my money 50/50 between Small Cap and Large Cap and say I have $10,000. I'd buy $... | fiqa |
c0fce4a777bfb7b952eacf7159490cab | Is there a way to take advantage of nice numbers? | [
{
"docid": "2a299334dcf6600c0e5f2e0f087fa951",
"text": "You'd need millions of dollars to trade the number of shares it would take to profit from these penny variations. What you bring up here is the way high frequency firms front-run trades and profit on these pennies. Say you have a trade commission of $... | [
{
"docid": "6f4cd8b0b0945f30676ac80a4bd66df1",
"text": "I'll mirror what the others have said in that your expectations for returns are wildly out of line with reality. If you could achieve that with only moderate risk hopefully you can see that you could ladder those returns by re-investing them and become... | fiqa |
02274ff6419565715a88d356b076f093 | Would betting on fallen (blue chip) stocks be a good strategy? | [
{
"docid": "c04be15b6800d5c5717ebe50622497f3",
"text": "\"You can't do this automatically; you want to understand whether the drop is from a short-term high. is likely to be a short-term low, or reflects an actual change in how folks expect the company to do in the future. Having said that, some people do f... | [
{
"docid": "1e676b3dbee6e3a660c76ac613f54b5e",
"text": "Yes, one such strategy is dividend arbitrage using stock and in the money options. You have to find out which option is the most mispriced before the ex-dividend date.",
"title": ""
},
{
"docid": "114919b2d796acd6c72888553ba2b2f3",
"tex... | fiqa |
a86a03ea26f46f782f482882ee0a1c40 | Pros/cons of replicating a “fund of funds” with its component funds in my IRA? | [
{
"docid": "6bc71668a8b9096a2bcfb406c5bacf23",
"text": "In your entire question, the only time you mention that this is an investment inside an IRA is when you say Every quarter, six months, whatever Id have to rebalance my IRA while Vanguard would do this for the fund of funds without me needing to. Within... | [
{
"docid": "0bb2a4215b16908865c4b679a895a316",
"text": "\"Since you have emphasized that you don't mind about variability, and that you have other funds you could liquidate, then I think a solution is to do with this money the same thing that you are already doing with those other funds. Then when you need ... | fiqa |
773a210c7a049f25db13264930a46cf1 | First 401K portfolio with high expense ratios - which funds to pick? (24yo) | [
{
"docid": "c8b263ff314dc2a10885ee319673b4b7",
"text": "\"If you're willing to do a little more work and bookkeeping than just putting money into the 401(k) I would recommend the following. I note that you said you chose some funds based on performance since the expense ratios are all high. I would recommen... | [
{
"docid": "551e04ec2baa8f1a64f61ef6cd41daff",
"text": "The vanilla advice is investing your age in bonds and the rest in stocks (index funds, of course). So if you're 25, have 75% in stock index fund and 25% in bond index. Of course, your 401k is tax sheltered, so you want keep bonds there, assuming you ha... | fiqa |
da1b1d1693224a9a4564de02fda11845 | How to get an ITIN if I don't have passport? | [
{
"docid": "883ffb4ef149f2c7e1288918f3777a27",
"text": "\"On the IRS site you can find a list of \"\"acceptance agents\"\" in your country. Talk to one of them, they'll deal with the IRS on your behalf. If you don't have any in your country, you can contact the big-4 accounting firms or any other agent else... | [
{
"docid": "f2a9ccfb693eca23520fae0c8686c749",
"text": "I have never been requested to send a voter registration card. What on earth for? It sounds as if you don't have a credit report available on your SSN, so they're having trouble verifying your identity. But the most I have ever been requested to send t... | fiqa |
5338be892698b9c5338e7c3887e344d6 | Degiro Stocks & Shares Account for Minor | [
{
"docid": "9d19da4db1e61fc1df456ca82329d5d1",
"text": "Get answers from your equivalent of the IRS, or a local lawyer or accountant who specializes in taxes. Any other answer you get here would be anectdotal at best. Never good to rely on legal or medical advice from internet strangers.",
"title": ""... | [
{
"docid": "0e3085ac5c2dcd51f5a17ac8f04f1cdb",
"text": "\"This information is clearly \"\"material\"\" (large impact) and \"\"non-public\"\" according to the statement of the problem. Also, decisions like United States v. Carpenter make it clear that you do not need to be a member of the company to do ille... | fiqa |
bc378c0f0e03932986483f058e1104cd | What happens to options if a company is acquired / bought out? | [
{
"docid": "22a72d04529b83e3ac19cb3d5e257b79",
"text": "A lot may depend on the nature of a buyout, sometimes it's is for stock and cash, sometimes just stock, or in the case of this google deal, all cash. Since that deal was used, we'll discuss what happens in a cash buyout. If the stock price goes high ... | [
{
"docid": "687295a40647872b6b45f2cac9b45173",
"text": "\"Going private does not mean that the company buys its own shares, only that the freely traded shares are bought up by a private entity (this can be management => \"\"management buy-out\"\" or it can be a private investor). The stock is then not tr... | fiqa |
8e209392b133127819ea58d9dea086fb | Clarifications On PFIC Rules | [
{
"docid": "c483acb58363d9f4b5159678bd56c98e",
"text": "\"Answers: 1: No, Sections 1291-1298 of the IRC were passed in the Reagan adminstration. 2: Not only can a foreign company like a chocolate company fall afoul of the definition of PFIC because of the \"\"asset test\"\", which you cite, but it can also ... | [
{
"docid": "dbc54297aa25d0a851d8421cd7854b7c",
"text": "\"In the Income Statement that you've linked to, look for the line labeled \"\"Net Income\"\". That's followed by a line labeled \"\"Preferred Dividends\"\", which is followed by \"\"Income Available to Common Excl. Extra Items\"\" and \"\"Income Avail... | fiqa |
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