NanoBEIR 🍺
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A collection of smaller versions of BEIR datasets with 50 queries and up to 10K documents each. • 13 items • Updated • 26
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_id stringlengths 3 6 | text stringlengths 0 10.5k |
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277 | My super fund and I would say many other funds give you one free switch of strategies per year. Some suggest you should change from high growth option to a more balance option once you are say about 10 to 15 years from retirement, and then change to a more capital guaranteed option a few years from retirement. This is... |
294 | US government bonds are where money goes when the markets are turbulent and investors are fleeing from risk, and that applies even if the risk is a downgrade of the US credit rating, because there's simply nowhere else to put your money if you're in search of safety. Most AAA-rated governments have good credit ratings ... |
330 | "As long as the losing business is not considered ""passive activity"" or ""hobby"", then yes. Passive Activity is an activity where you do not have to actively do anything to generate income. For example - royalties or rentals. Hobby is an activity that doesn't generate profit. Generally, if your business doesn't cons... |
343 | The only reason I can think of would be if you were convinced that you couldn't hold on to your money. Treasury Bonds are often viewed as very safe investments, and often used in some situations where cash isn't appropriate.. Also, they typically have a somewhat patriotic theme, helping your country to grow. In additio... |
589 | So does a post-dated check have any valid use in a business or personal transaction? Does it provide any financial or legal protections at all? Yes, most definitely. You're writing a future date on the check, not past, to ensure that the check will not be deposited before that day. Keep in mind that this may change... |
1001 | "Not necessarily. The abbreviation ""ESOP"" is ambiguous. There are at least 8 variations I know of: You'll find references on Google to each of those, some more than others. For fun you can even substitute the word ""Executive"" for ""Employee"" and I'm sure you'll find more. Really. So you may be mistaken about t... |
1011 | "You will be filing the exact same form you've been filing until now (I hope...) which is called form 1040. Attached to it, you'll add a ""Schedule C"" form and ""Schedule SE"" form. Keep in mind the potential effect of the tax and totalization treaties the US has with the UK which may affect your filings. I suggest yo... |
1203 | When you want to short a stock, you are trying to sell shares (that you are borrowing from your broker), therefore you need buyers for the shares you are selling. The ask prices represent people who are trying to sell shares, and the bid prices represent people who are trying to buy shares. Using your example, you cou... |
1219 | You can contribute to a Traditional IRA instead of a Roth. The main difference is a contribution to a Roth is made with after tax money but at retirement you can withdraw the money tax free. With a Traditional IRA your contribution is tax-deductible but at retirement the withdrawal is not tax free. This is why most ... |
1699 | "The TWRR calculation will work even with negative values: TWRR = (1 + 0.10) x (1 + (-0.191) ) x (1 + 0.29) ^ (1/3) = 1.047 which is a 4.7% return. Your second question concerns the -19% return calculated for the second quarter. You seem to think this return is ""way-off"". Not really. The TWRR calculates a return b... |
1982 | Left out, of course, is the fact that this is Argentina's eighth default, because its policymakers are complete nincompoops, and the fact that, instead of not paying anybody by complying with the ruling, it could probably have struck a deal with NML to pay them the principal and interest (or a bit less, if they were de... |
2003 | "While I haven't experienced being ""grad student poor"" myself (I went to grad school at night and worked full-time), I would shoot for 10-20% per month ($150-$300). This depends of course on how much you currently have in savings. If it isn't much, you might want to attempt a higher savings percentage (30-40%). If ... |
2018 | "As i see it, with a debit card, they are taken kinda out of the game. They are not lending money, it seems really bad for them. Not exactly. It is true that they're not lending money, but they charge a hefty commission from the retailers for each swipe which is pure profit with almost no risk. One of the proposa... |
2064 | 8 hard inquiries spread over two years is not a negative factor, with a score of 750. Real question #1: How much of your credit limits are you currently using? Less than 30% of your credit limits is good. Less than 15% is even better, 10% is great You don't need to wait X amount of days after applying for a mortgage or... |
2286 | If your uncle is looking to maintain life insurance coverage for specific shorter period of time he may want to look into hybrid life insurance. If you buy a hybrid universal life policy, the premium and death benefit can be guaranteed to last until any age. Since, most permanent policies focus on cash value accumulati... |
2519 | "The first thing I'd do is to find out your credit (FICO) score. If you have a good one, try to get another card with a lower rate. Then call up the lender, point to your good score, and your alternatives. If you have a bad score, do nothing. ""Let sleeping dogs lie.""" |
2528 | This is essentially a reimbursement of your expense. Since you can deduct the expense, the fact that the reimbursement is taxable doesn't affect you much. You deduct your home office expenses on your annual tax return using form 8829. See the IRS site for more details. If you're asking about the UK tax, there may be so... |
2633 | "This is analyst speak for ""the stock isn't going anywhere anytime soon"". Remember these guys are offering advice to the entire universe in a few lines, so the advice gets fortune cookie-like. When I look at these things, I care more about when the analyst changes their opinion more than what the opinion is. If you r... |
2653 | I would not sell unless the stock is starting to fall in price. If you are a long term investor you can review the weekly chart on a weekly basis to determine if the stock is still up-trending. Regarding HD below is a weekly chart for the last 4 years: Basically if the price is making Higher Highs (HH) and Higher Lows... |
2718 | The Canada Revenue Agency does indeed put out just the guide you want. It's at http://www.cra-arc.gc.ca/E/pub/tg/rc4070/rc4070-e.html - you should always take a good look at URLs to make sure they're really from the government and not from some for-profit firm that will charge you to fill out forms for free services. I... |
2830 | If you are tired of acting as the bank after selling your Real Estate and owner-financing the loan with a promissory note, we can offer a sound and painless exit strategy today. We can fund the purchase in as little as 15 business days. We at Cash Note USA buy Real Estate Promissory Notes Nationwide. We Purchase Owner ... |
2860 | "I'm not aware that any US bank has any way to access your credit rating in France (especially as you basically don't have one!). In the US, banks are not the only way to get finance for a home. In many regions, there are plenty of ""owner financed"" or ""Owner will carry"" homes. For these, the previous owner will p... |
2890 | "MBS is a fairly general term ""Mortgage Backed Securities"" which simply means that the bond is collateralized with mortgages. Pass throughs are a type of MBS that is untranched: all bond holders of the deal are receiving the same interest and principal payments, there is no senior or subordinate class of bonds. Ag... |
2996 | Yes, the borrower is responsible for paying back the full amount of the loan. Foreclosure gives the bank possession of the property, which they can (and do) sell. Any shortfall is still the borrower's responsibility. But, no, the bank can't sell the property for a dollar; they have to make a reasonable effort. Usually ... |
3040 | It is basically the same situation what US was when the crash happened. People took on debt without the means to pay, even with awful credit records. But the problem isn't the debt people take on themselves, but with the limited disposable income they have how efficiently can their debts be serviced. And how do banks w... |
3095 | What is essential is that company you are selling is transparent enough. Because it will provide additional liquidity to market. When I decide to sell, I drop all volume once at a time. Liquidation price will be somewhat worse then usual. But being out of position will save you nerves for future thinking where to step ... |
3173 | No. An employer is legally obliged to deduct taxes from your pay cheque and send them to the IRS. The only way round that is to either provide evidence of deductions that would reduce your tax bill to nothing, or to become self-employed. |
3279 | Most mutual funds underperform the stock market. Of those that over-perform, much of the performance can be attributed to dumb luck. Most mutual funds exist to generate fees from you, rather than make you wealthy. In my opinion, if you want to invest in one, choose a no-load index fund, and you will outperform most ... |
3315 | I'll have to think it through, but at the very least unless your debt is a pure discount instrument and you are using cash flows, some if that money IS getting paid during those 5 years. As in if you are using earnings, they pay p&i. Or if earnings and pure discount instruments, then amortized interest (I think, b... |
3763 | Thanks to the online world, check ordering is much easier and less expensive.On our CheckOrdering.net website, we will show you the most effective way to check ordering. You’ll be able to order checks for personal or business use. you will not need to concern yourself with having someone else do this once arduous task... |
3789 | Based on the definitions I found on Investopedia, it depends on whether or not it is going against an asset or a liability. I am not sure what type of accounting you are performing, but I know in my personal day-to-day dealings credits are money coming into my account and debits are money going out of my account. Defi... |
4044 | Just to offer another alternative, consider Certificates of Deposit (CDs) at an FDIC insured bank or credit union for small or short-term investments. If you don't need access to the money, as stated, and are not willing to take much risk, you could put money into a number of CDs instead of investing it in stocks, or j... |
4153 | Congratulations on being in such good financial state. You have a few investment choices. If you want very low risk, you are talking bonds or CDs. With the prime rate so low, nobody is paying anything useful for very low risk investments. However, my opinion is that given your finances, you should consider taking on ... |
4444 | "I'd answer it this way: What do you want to do? I'd say any amount is acceptable from as low as $100. When you look at the specific ""tree"" of investing paying $5 for a $100 seems unacceptable. However when observing the ""forest"" what does it matter if you ""waste"" $5 on a commission? Your friends (and maybe y... |
4845 | This is a Short Diagonal Calender Put Spread Generally, you're writing that long dated one at the money, and buying the short dated one out of the money. The maximum amount that can be made is if the stock breaks out strongly to the upside, and you keep the upfront credit minus whatever small amount it took to buy the... |
4854 | Nominal. What you say is true, but I'm guessing it would be too complicated to modelate. Plus, a shareholder of a very large company would not necessarily experience said loss if he/she sells the stock in small chunks at a time. |
4976 | Companies are required BY THE IRS to try to get everybody to contribute minimal amounts to the 401K's. In the past, there were abuses and only the execs could contribute and the low paid workers were starving while the execs contributed huge amounts. On a year-by-year basis, if the low-paid employees don't contribut... |
5188 | Basically you have 4 options: Use your cash to pay off the student loans. Put your cash in an interest-bearing savings account. Invest your cash, for example in the stock market. Spend your cash on fun stuff you want right now. The more you can avoid #4 the better it will be for you in the long term. But you're apparen... |
5219 | Most US banks don't allow you the ability to draft a foreign currency check from USD. Though, I know Canadian banks are more workable. For instance, TD allows you to do this from CAD to many other currencies for a small fee. I believe even as a US Citizen you can quite easily open a TD Trust account and you'd be good t... |
5257 | The different levels are somewhat related to levels of risk. Writing a covered call is pretty low risk, in the sense that if I buy the stock but sell a call, I now have a lower cost for the stock, and however low the stock drops, I'm still slightly better off than the regular stock buyer. Covered call writing is often ... |
5323 | Since returning of capital is the most important, I would go to bankrate.com and find either an online bank savings account or MMA account. By going to bankrate.com, you can find higher rates. Sometimes you can find rates that are higher than a CD and are still FDIC insured. I've found ally bank's raise your rate 2 ... |
5550 | $300k gross is lunch money, even for many small brick and mortar businesses. Add in taxes (federal, state, county, city, sales tax, property tax, parking, licenses/ permits), rent, cost of goods, hired labor and that $300k turns into $0, if you're lucky. |
5591 | "i deleted my comment that this was a reply to so I'll repost it. It was: >I don't know the answer, but I'm pretty sure this is incorrect. You have to take into account the correlations of the securities across the three different markets. It's definitely not as simple as dividing by three. The reason why I do... |
6047 | We have a lot of debt - at this point I don't even know how much This is your problem. Find out, and while you're at it find out how much income you have and also what your total expenditures are. You seem to be facing up to the problem, but not looking it in the eyes. You just need to take some time, and a little brav... |
6068 | The buyer can get another cosigner or you can sell the car to pay off the loan. These are your only options if financing cannot be obtained independently. |
6349 | There is no universal answer here; it depends on how much risk each person is taking, how you want to define the value of the business now and in the future, how much each person's contribution is essential to creating and sustaining the business, how hard it would be to get those resources elsewhere and what they woul... |
6503 | WE're talking about companies. Cooperate companies. What cooperate company is issuing bounced or fake checks to their employees that can also issue debit cards as payments? None. You're trying to split hairs between personal cashed checks and pay roll checks. They aren't the same at all. Payroll checks don't require... |
6595 | A 401k is pretty good, but it's not magic. Personally, I'd consider a 30k salary with a 401k and a 2k employer match less valuable than a 36k salary, let alone a 48k salary. If worried about retirement savings simply set up that IRA and put in the full 5.5k allowance. |
6666 | People have asked a lot of good questions about your broader situation, tolerance for risk, etc, but I'm going to say the one-size-fits-most answer is: split some of your monthly savings (half?) into the VEU Vanguard FTSE All-World ex-US ETF and some into VTI Vanguard Total Stock Market ETF. This can be as automatic an... |
6701 | Don't know the name but it means you're long with conviction :P Unlimited gains, maximum loss of 95$ + (8-6) = 97$. Basically You are long @ 107 - -2 from 105 to 95. You would have to be ULTRA bullish to initiate this strategy. |
6703 | What source said the Fed considers them retired? And you know $2 trillion of that is mortgage backed securities. No one seems to have told the homeowners their mortgages are forgiven as I haven't seen the block parties for that. |
6881 | While others have made a good case for how you may want to save and spend I just want to take a moment to comment on Acorn and Robinhood. Having never used either of them, I would stick to the seasoned professionals for my long term investment relationship. I'm sure they have the right licensing and proper SIPC covera... |
6936 | "Hah! Edit: to elaborate, markets are closed. Unless your firm made a bunch of moves before EOD Friday, there's very little they can do to avoid the bloodshed (if there is any after the vote on Sunday) come Monday morning. Not to mention most 401k funds have contractual limits placed on them in terms of how much they ... |
6990 | You should check out existing resources like Investopedia for definitions, and ask questions if there is something you do not understand, instead of asking folks to spit out definitions. A good book for you to read might be Wall Street Words |
7243 | Normally interest only mortgages are taken incase one planning to sell off the property after a few years and purchase of the property is for investment. In such a case instead of burdening oneself with a huge EMI, one opts for an interest only mortgage, and towards the end of the term, sell off the house at profit and... |
7311 | Which way would save the most money? Paying of the car today would save the most money. Would you borrow money at 20% to put it in a savings account? That's effectively what she is doing by not paying off the car. If it were me, I would pay off the car today, and add the car payment to my savings account each month. ... |
7391 | Well, if you only own the option, you are only limited to loosing the premium. With futures, at least with the brokers I talked to, most of the time you need to sign a margin contract just to trade futures. I don't want to go into debt, and I don't think I would do too well to be fairly honest. I am a college student, ... |
7423 | "If you sell an asset for more than you paid for it, the excess amount realized is called a capital gain and is generally considered a form of income for tax purposes. Generally, one pays income tax on realized capital gains, unless the sale is exempt—such as the sale of one's principal residence. Capital gains tax can... |
7540 | Easier to copy paste than type this out. Credit: www.financeformulas.net Note that the present value would be the initial loan amount, which is likely the sale price you noted minus a down payment. The loan payment formula is used to calculate the payments on a loan. The formula used to calculate loan payments is e... |
7625 | For now, park it in a mix of cash and short term bond funds like the Vanguard Short Term Investment Grade fund. The short term fund will help with the inflation issue. Make sure the cash positions are FDIC insured. Then either educate yourself about investing or start interviewing potential advisors. Look for referrals... |
7748 | "For your first question, the general guidelines I've seen recommended are as follows: As to your second question, portfolio management is something you should familiarize yourself with. If you trust it to other people, don't be surprised when they make ""mistakes"". Remember, they get paid regardless of whether you ... |
7814 | "If you are a ""small"" investor (namely, not an accredited investor), then the transaction costs (commissions) for purchasing the stocks while attempting to duplicate DJIA will defeat any benefit. My personal preference is to purchase mutual funds rather than ETFs." |
7915 | |
7951 | ~~Most checks don't.~~ Edit: I've definitely seen checks cashed way beyond 90-120 days. I don't have extensive knowledge of the rules though. Regardless, it's not like Floyd magically loses is pay if he doesn't cash the check in time. |
7969 | If you don't want to pay much attention to your investments, target date funds -- assuming you find one (like Vanguard's) with no management fees beyond those acquired from the underlying funds -- are usually a great choice: when the target date is far off, they invest almost entirely (usually 90% or so) in (mutual fun... |
8003 | Knowing the log return is useful - the log return can help you to work out the annual return over the period it was estimated - and this should be comparable between stocks. One should just be careful with the calculation so that allowance for dividends is made sensibly. |
8060 | Sounds about right. From [Give Well](http://www.givewell.org/how-we-work/our-criteria/cost-effectiveness): > As of November 2016, the median estimate of our top charities' cost-effectiveness ranged from ~$900 to ~$7,000 per equivalent life saved (a metric we use to compare interventions with different outcomes, suc... |
8063 | Not sure if your question is on topic, but the investment is only $9 because that is maximum amount of money the merchant ever needed to start up the business. He put in $9, started turning a profit, and never looked back. |
8126 | Navy Federal Credit Union recently added this feature. It is free for members making a deposit to their personal checking account, though you have to be a member for at least 90 days to be eligible. I have an all-in-one printer with flatbed scanner and availed myself of the service a couple of days ago. There wasn't... |
8135 | The charts suggest otherwise. Although most of the large gains were wiped out in 2008 and 2011, that doesn't include the substantial dividends you are likely to get with financials. They still returned a positive percentage and some outperformed benchmark indices over time. But hey, don't let your bias get in the way... |
8177 | There are several ways that the issuers profit from CFDs. If the broker has trades on both sides (buy and sell) they can net the volumes off against each other and profit off the spread whilst using the posted margins to cover p&l from both sides. Because settlement for most securities is not on the same day that the o... |
8200 | Capital is an Asset. Decreasing value of capital is the decreasing value of an asset. When you buy the forex asset * DR Forex Asset * CR Cash When you sell * DR Cash * CR Forex Asset The difference is now accounted for Here is how: Gains (and losses) are modifications to your financial position (Balance sheet). At the... |
8209 | It was about a decade between splitting consulting off and the IPO, including 3 years of legal action to allow the consulting branch to become a fully independent entity, and the partners on each side were not exactly best friends during that time. Not exactly a quick money grab. (also please note that Andersen created... |
8480 | It is highly unlikely that this would be approved by a mortgage underwriter. When the bank gives a loan with a security interest in a property (a lien), they are protected - if the borrower does not repay the loan, the property can be foreclosed on and sold, and the lender is made whole for the amount of the loan tha... |
8542 | Please either remove the $50 going to the 529 plan or move it into a ROTH IRA instead. You can always use your ROTH contributions to pay for college expenses in the future if you want to. I suspect you may not have enough saved up for retirement to have the luxury to help with college though. |
8653 | I use the forum seeking alpha. http://seekingalpha.com/ |
8859 | Welcome to the real world :-) There really aren't all that many ways for ordinary employees to lower taxes. You could put more in your 401k, buy a house (for the mortgage interest deduction, which lets you deduct some other things instead of taking standard deduction), or move to a different state to get rid of the s... |
8891 | There are two independent sets of terms we need to define in order to answer your question. I am trying to understand the difference between Value, Blend, and Growth These are different categories of mutual funds: Value: discounted or undervalued stocks. This is often measured by a difference between the stock's price... |
9082 | This is a gross simplification as there are a few different ways to do this. The principle overall is the same though. To short a stock, you borrow X shares from a third party and sell them at the current price. You now owe the lender X shares but have the proceeds from the sale. If the share price falls you can buy ba... |
9116 | ACWI refers to a fund that tracks the MSCI All Country World Index, which is A market capitalization weighted index designed to provide a broad measure of equity-market performance throughout the world. The MSCI ACWI is maintained by Morgan Stanley Capital International, and is comprised of stocks from both developed ... |
9479 | "I don't think blanket answers are very helpful. You are asking the right question when you are young! You have a large number of investment options and Australia has the Superannuation system that you can extract significant tax value from. I've not attempted to grade these with regard to ""risk"", as different people... |
9484 | A fucking credit union. Even if they use an all paper system and have no website, no phone app, and can only be contacted by fax or telephone, use a credit union. Even if the only place you can get your money is a 45 minute drive to the next town, use a credit union. Its not about finances, its about reclaiming b... |
9512 | "A suitable mix of index funds IS a great option if you don't want to spend a lot of time and effort micromanaging your money. If you find amusement in pushing numbers around, you may be able to do better. Notice: MAY. If you have multiple millions, you can hire someone of that sort to push the numbers around for you. ... |
9568 | That may become complicated depending on the State laws. In some States (California for example), LLCs are taxed on gross receipts, so you'll be paying taxes on paying money to yourself. In other States this would be a no-op since the LLC is disregarded. So you need to check your State law. I assume the LLC is not taxe... |
9597 | If you can still work, I think a very good course of action would be to invest the majority of the money in low-cost index funds for many years. The reason is that you are young and have plenty of time to build a sizable retirement fund. How you go about this course of action depends on your comfort level with managing... |
9676 | "First you must understand your Marginal Tax Rate (Tax Bracket) The exemptions you claim are like saying to your employer ""tax me on $4050 less, or more"" for each change up or down of 1 exemption. Say you look at the table (2016 tables at my main site) and see you are in the 15% bracket. And your refund is $2000. 2... |
9814 | "Ever wonder why certain businesses won't accept certain credit cards? (The sign above the register saying ""Sorry, we don't accept AmericanExpress""). It's because they don't want to pay that credit card company's transaction fees. One of the roles of the credit card company is to facilitate the transaction process be... |
9845 | Your tax bracket is determined by your total taxable income in a given year, where money drawn from a traditional-style deferred-tax 401k or IRA is taxable income. (Money drawn from a Roth account was taxed before deposit and is not taxed when withdrawn after the relevant date.) Your recent salary history has no effect... |
10321 | "I just want to point out that this can happen anywhere, teachers with tenure who get into big trouble ""retire early"". The whole country could do with a heaping helping of accountability. I've already seen unauthorized charges on my credit card, and I'm sure it'll continue for years to come." |
10399 | Where are they going to get money from? Their bonds are worthless because they have no viable way of ever paying back debt so why would anyone lend money to them. You, and Keynes think that you can fuel debt with more debt, but all this does is build a massive debt bubble that has to pop at some point. This is exactly ... |
10521 | Groups of three or four students will jointly decide on a Fortune 500 business in the United States and research this business and its practices in the United States. ( we chose Apple) Beyond a business concentration, focus on components of a concentration for your paper: i.e. benefits, accountability in accounting pra... |
10549 | "Very interesting. I'm actually glad you mentioned term structure models, because that's something I'm interested in. But I don't think the distinction you draw between ""equilibrium"" and ""arbitrage free"" models makes sense with Black-Scholes. My understanding was that the discrepancy between equilibrium and arbitr... |
10710 | As per the chart pattern when ever a stock breaks its 52 week high. This information may differ for penny stocks,small caps and mid cap stocks |
11075 | In my experience they charge you coming and going. For example, if a brokerage firm is advertising that their commissions are only $7/trade, then that means you pay money to buy the stock, plus $7 to them, and later on if you want to sell that stock you must pay $7 to get out of the deal. So, if you want to make any m... |
11082 | "You have what is called in the biz a ""thin file"". Check with a Credit Union. They will get you a secured card or maybe a straight credit card. They usually will graduate you from a secured card to a real credit card in 12-18 months. Then you are on your way. You should also sign up for Creditkarma to get your c... |
11184 | "The Dividend Discount Model is based on the concept that the present value of a stock is the sum of all future dividends, discounted back to the present. Since you said: dividends are expected to grow at a constant rate in perpetuity ... the Gordon Growth Model is a simple variant of the DDM, tailored for a firm in ""... |
11224 | "> When you make a mistake, the sooner you admit it, the better. OK. Then explain this statement: ""You still pay taxes on ""tax deferred"" retirement plans - In fact, I would dare say that in most cases, people end up paying more in taxes, because they pay it as regular income rather than LTCG."" What is the ac... |
11454 | "Assuming U.S. law, there are ""safe harbor"" provisions for exactly this kind of situation. There are several possibilities, but the most likely one is that if your withholding and estimated tax payments for 2016 totaled at least as much as your tax bill for 2015 there's no penalty. For the full rules, see IRS Publica... |
11456 | The short answer to your initial question is: yes. The option doesn't expire until the close of the market on the day of expiration. Because the option is expiring so soon, the time value of the option is quite small. That is why the option, once it is 'in-the-money', will track so closely to the underlying stock pric... |
11633 | "Assuming you can understand and emotionally handle the volatility, a good indeed fund would be wise. These are low fee funds which perform as well as our better than most managed investments and since they don't cost as much, they typically out perform most other investment vehicles. The S&P 500 is traded as SPDR. Ano... |
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