query_id stringlengths 32 32 | query stringlengths 6 3.9k | positive_passages listlengths 1 21 | negative_passages listlengths 10 100 | subset stringclasses 7
values |
|---|---|---|---|---|
ca9ccbfee61283a0817aa09982ff9c2c | Can you explain the mechanism of money inflation? | [
{
"docid": "371e8f2e82be060229ed7fa33316d364",
"text": "The mechanism of supply and demand is imperfect. Producers don't know exactly how many purchasers/consumers for a good there are. Some goods, by their nature, are in short supply, and some are plentiful. The process of price discovery is one where (i... | [
{
"docid": "b5118f81051f23c2de558ebb01684b73",
"text": "\"Inflation is an attempt to measure how much less money is worth. It is a weighted average of some bundle of goods and services price's increase. Money's value is in what you can exchange it for, so higher prices means money is worth less. Monthly in... | fiqa |
b62880c0f4db34d02c91a572d7a02629 | Is UK house price spiral connected to debt based monetary system? | [
{
"docid": "0e67c38e578f0f510810343ba2120b19",
"text": "\"There are a few factors at work here, supply and demand being the main one. The Office for National Statistics has some good information: http://visual.ons.gov.uk/uk-perspectives-housing-and-home-ownership-in-the-uk/ Supply has historically struggled... | [
{
"docid": "17b51bc610cbce0f58d07b01916d0533",
"text": "Not anytime soon, I suspect, but not necessarily for financial reasons. I found this interesting, including the link to the five tests, but I think that this topic is only partially judged through financial eyes, there's a lot of political issues aroun... | fiqa |
cdfba79258de756c8f6deeacd21102ea | Why does it matter if a Central Bank has a negative rather than 0% interest rate? | [
{
"docid": "d43a765c37b5c6be67a1a8905054dabd",
"text": "That is kind of the point, one of the hopes is that it incentivizes banks to stop storing money and start injecting it into the economy themselves. Compared to the European Central Bank investing directly into the economy the way the US central bank ha... | [
{
"docid": "1cf9c7613a8b1d0fd44de8be4f8b61b0",
"text": "Keep in mind there are a couple of points to ponder here: Rates are really low. With rates being so low, unless there is deflation, it is pretty easy to see even moderate inflation of 1-2% being enough to eat the yield completely which would be why the... | fiqa |
d4d0e5282c650ae01d56e15fcd6b8fbb | Is it sensible to keep savings in a foreign currency? | [
{
"docid": "c22ddc6666d604975f4b2b01bdbd3979",
"text": "Given that we live in a world rife with geopolitical risks such as Brexit and potential EU breakup, would you say it's advisable to keep some of cash savings in a foreign currency? Probably not. Primarily because you don't know what will happen in the... | [
{
"docid": "233fefaa0be88b6404682ad147c28974",
"text": "If you want to use that money and maybe don't have the time to wait a few years if things should go bad, than you will definitely want to hold a good bunch of your money in the currency you buy most stuff with (so in most cases the currency of the coun... | fiqa |
fd491c397954a4074b590ebeee195656 | Why do 10 year Treasury bond yields affect mortgage interest rates? | [
{
"docid": "ebe6ac0b79f9cec2027e75b7e1e713e5",
"text": "You’ve really got three or four questions going here… and it’s clear that a gap in understanding one component of how bonds work (pricing) is having a ripple effect across the other facets of your question. The reality is that everybody’s answers so fa... | [
{
"docid": "8071a6472c0484cb470020ad36178cfc",
"text": "All else constant, yes. It's one more reason rates aren't being raised quickly. The housing market is very delicate. Before the crash, a lot of homes in my area were 25% cheaper than after the rates dropped to historic lows. My area wasn't heavily affe... | fiqa |
2796134b12c63ce7018b54c9a6814dbb | Emerging markets index fund (VDMIX) for an inexperienced investor | [
{
"docid": "ecaf5b8798b632c7f3dde298577f22c5",
"text": "\"In this environment, I don't think that it is advisable to buy a broad emerging market fund. Why? \"\"Emerging market\"\" is too broad... Look at the top 10 holdings of the fund... You're exposed to Russia & Brazil (oil driven), Chinese and Latin Am... | [
{
"docid": "83019dc6c425172c79135e3a453e0f56",
"text": "\"I recommend avoiding trading directly in commodities futures and options. If you're not prepared to learn a lot about how futures markets and trading works, it will be an experience fraught with pitfalls and lost money – and I am speaking from exper... | fiqa |
8a5252a3c36fc97ada7f740b87a56ced | Why would a central bank or country not want their currency to appreciate against other currencies? | [
{
"docid": "a83c8e47219effc49996c8f7f32aec0b",
"text": "I wrote about the dynamic of why either of a lower or higher exchange rate would be good for economies in Would dropping the value of its currency be good for an economy? A strong currency allows consumers to import goods cheaply from the rest of t... | [
{
"docid": "6fbe5c263a53570193750b611429aaa0",
"text": "Because people trade currency in exchange for goods and services. They can easily prevent competition by violent means or by having control of the market through market share. Price can be controlled by the threat of super low prices in order to drive ... | fiqa |
4dd3f763ca400baf543192e3299fa2c2 | Who creates money? Central banks or commercial banks? | [
{
"docid": "0b4e41c69874fd33f60e3e23225eb736",
"text": "A central bank typically introduces new money into the system by printing new money to purchase items from member banks. The central bank can purchase whatever it chooses. It typically purchases government bonds but the Federal Reserve purchased mort... | [
{
"docid": "998811179d4010020bb3b3408dd346b8",
"text": "\"left out of the pictures is the degree to which the ECB is buying their own bonds. At least with the FedResInk, we know what sort of \"\"open market\"\" action is being taken to keep interest rates held as close to zero as possible. I coke dealer c... | fiqa |
3f05a44a19a56c3359474c3cb19b4e35 | Ways to trade the Euro debt crisis | [
{
"docid": "776a0fad3abfce8445dedec1de473ff6",
"text": "Short the Pound and other English financial items. Because the English economy is tied to the EU, it will be hit as well. You might prefer this over Euro denominated investments, since it's not exactly clear who your counterpart is if the Euro really... | [
{
"docid": "d2903c879070395bd1377a25c3f82b31",
"text": "Huh? What does a flight to safety (cheaper US borrowing rates) have to do with the crisis not spreading if something goes wrong in Italy? It won't be the same over here - it will hit the banking system and companies tied to Europe rather than the sover... | fiqa |
599367355d8e70d2ce307a9fc3537187 | Adjusting a value for inflation each month using rolling 12-monthly inflation figures | [
{
"docid": "40e6216fd5028fb210f768d5786defe2",
"text": "In the style of the Bank of England's Inflation Calculator, you can do the calculation like so. The third column is an index made from the inflation figures and the forth column shows the inflation-adjusted values. Using the index to calculate the dif... | [
{
"docid": "bee1b08bfad94bfa962c90eff9c6f1bc",
"text": "The question lacks specificity, i.e. when does the initial investment occur, now or one period from now? If now then it is a perpetuity due. I will consider under 2 scenarios, A and B, relating to the size of the initial investment. A. Assuming tha... | fiqa |
b179eed1fcaf6360d1a03216c35190c7 | Are there special exceptions to the rule that (US) capital gains taxes are owed only when the gain materializes? | [
{
"docid": "16fafc1f035e5b4f5afeac6a5bb0e2f0",
"text": "Normally, you don't pay capital gains tax until you actually realize a capital gain. However, there are some exceptions. The exception that affected Eduardo Saverin is the expatriation tax, or exit tax. If you leave a country and are no longer a tax ... | [
{
"docid": "7455173c32b84deeccb016729e52c76d",
"text": "You don't have to wait. If you sell your shares now, your gain can be considered a capital gain for income tax purposes. Unlike in the United States, Canada does not distinguish between short-term vs. long-term gains where you'd pay different rates on... | fiqa |
7678b12f64d8e84460bffa4b1ba687ab | What are investment options for young married couple with no debt that have maxed out retirement savings? | [
{
"docid": "85fff20fe4fa7addd4a2f7129c8cadb0",
"text": "4.7 is a pretty low rate, especially if you are deducting that from your taxes. If you reduce the number by your marginal tax rate to get the real cost of the money you end up with a number that isn't far off from inflation, and also represents a pret... | [
{
"docid": "8b0c286ab645d8767cbf1e001122d581",
"text": "Put in the maximum you can into the 401(k), the limit should be $16,500 so long as the highly compensated rules don't kick in. Since you cannot deduct the traditional IRA, it's a great option to deposit to a traditional IRA and immediately convert that... | fiqa |
2985b76ea8ca1ad63c67a83bc74a3b85 | If USA defaults on its debt, will the T bond holder get back his money | [
{
"docid": "d23059a1030f57f11c292f802661466c",
"text": "\"The only party that can pay back a government bond is the government that issued it itself. In the case of Argentina, US vulture funds have won cases against it, but it has yet to pay. The best one can do to collect is to sue in a jurisdiction that ... | [
{
"docid": "0d7882c298cb26a09da949ad3a233ca7",
"text": "\"Its definitely not a stupid question. The average American has absolutely no idea how this process works. I know this might be annoying, but I'm answering without 100% certainty. The Fed would increase the money supply by buying back government bon... | fiqa |
4f01908312fa65c70e10e202a8b03547 | How can I predict which way mortgage rates are moving? | [
{
"docid": "df2f4da41104a279d24c1f9062983c1e",
"text": "Obviously you can't predict the future too much, but it's not too hard to figure out what is going to happen to mortgage rates in the short term. Mortgage rates are heavily influenced by 10 year treasury yields. You can find the daily 10 year rates he... | [
{
"docid": "f595b1e50b0683b20aa07a69001c969c",
"text": "\"One way to think of the typical fixed rate mortgage, is that you can calculate the balance at the end of the month. Add a month's interest (rate times balance, then divide by 12) then subtract your payment. The principal is now a bit less, and there'... | fiqa |
df6cf504eba5c7dfbf136ce2b8aab49a | Is there a general guideline for what percentage of a portfolio should be in gold? | [
{
"docid": "a39e6c7e315edaca02de2944834706e6",
"text": "I think most financial planners or advisors would allocate zero to a gold-only fund. That's probably the mainstream view. Metals investments have a lot of issues, more elaboration here: What would be the signs of a bubble in silver? Also consider that ... | [
{
"docid": "f047a86a26ffe9decad612ab2b5ed4e0",
"text": "Note the above is only for shares. There are different rules for other assets like House, Jewellery, Mutual Funds, Debt Funds. Refer to the Income Tax guide for more details.",
"title": ""
},
{
"docid": "ce9537c51f2349ef3b2921eeeec8a658",
... | fiqa |
466f7d0fd6b8684306a911157e2581aa | I'm 20 and starting to build up for my mortgage downpayment, where should I put my money for optimal growth? | [
{
"docid": "4c05a709056f6da4dbcf85676d000157",
"text": "Good job. Assuming that you are also contributing to retirement, you are bound to be a wealthy person. I'm not really sure how Australia works as far as retirement, but I am pretty sure you are taking care of that too. Given your time frame (more ... | [
{
"docid": "028fcc6ae27f514d32d83e49aaf40a33",
"text": "The only problem that I see is that by not giving the 20% right away, you might need to pay PMI for a few months. In addition, in the case of conventional loans, I heard that banks will not remove the PMI after reaching 80% LTV without doing an apprais... | fiqa |
d66f353a4a665150f7ff3d63f2fa517f | What is a good size distribution for buying gold? | [
{
"docid": "eddf10b9b6dae95cbbd0441684ab2b0a",
"text": "Diversification is an important aspect of precious metals investing. Therefore I would suggest diversifying in a number of different ways:",
"title": ""
},
{
"docid": "3d61a663bcd292e04cf34d962b17e03c",
"text": "\"Look at a broader div... | [
{
"docid": "a43b96a974577a49b2762736aabffc13",
"text": "\"As proposed: Buy 100 oz of gold at $1240 spot = -$124,000 Sell 1 Aug 2014 Future for $1256 = $125,600 Profit $1,600 Alternative Risk-Free Investment: 1 year CD @ 1% would earn $1240 on $124,000 investment. Rate from ads on www.bankrate.com \"\"Real\"... | fiqa |
980fbd693b80e62058bd38f50c71d800 | Is it safe to take a new mortgage loan in Greece? | [
{
"docid": "273ef3ca22682b8150cbe34e9946a2fb",
"text": "The safest financial decisions that you can make in Greece involve getting your money out of Greece. That said, it depends. If the economy is going to implode and you'll be out of the job with devalued savings -- you'll be bankrupt anyway. You didn't m... | [
{
"docid": "5a86f8a46f42233c11e7ebf54dfaf9ac",
"text": "Regarding the mortgage company, they will want to know where the down payment came from, and as long as you are honest about it, there is no fraud. It's possible that the mortgage company may have some reservations about the deal now that they know whe... | fiqa |
b121ef81dbdb41992571752b8d87e8f5 | What's behind the long secular bull market in U.S. Treasuries? | [
{
"docid": "74fa0dddf06e3dd9017585e8ebc92d6f",
"text": "I believe that it's largely irrational, fueled largely by foreign investors that are afraid to invest anywhere else. There are a few people out there right now who are writing about this: http://www.marketwatch.com/story/us-treasuries-largest-bubble-in... | [
{
"docid": "37b0fdd14f1ecb48f606ed0d33f56806",
"text": "\"I'll tackle number 2. It's one which many academics dismissed as an impossibility; after all, how could that be rational? What could cause negative yields (ie effectively giving an entity cash and paying for the privilege of doing so!) is something w... | fiqa |
1e317f9c9d9fa8f3634398e8a48737fd | What low-fee & liquid exchange-traded index funds / ETFs should I consider holding in a retirement portfolio? | [
{
"docid": "7034b1830c9bba00e0fa8ff154ab84d5",
"text": "\"Here's a dump from what I use. Some are a bit more expensive than those that you posted. The second column is the expense ratio. The third column is the category I've assigned in my spreadsheet -- it's how I manage my rebalancing among different clas... | [
{
"docid": "ad3f4ad517e76e988202279128dd35d6",
"text": "In your case, you could very well leave it in something like FFFFX, which for readers is a self balancing fund with a target retirement date of 2040. These funds are a conglomeration of other funds that tend to move more conservatively as time passes.... | fiqa |
4d08d32d21efa2b77cbc690ea1414a65 | What is the “Bernanke Twist” and “Operation Twist”? What exactly does it do? | [
{
"docid": "4eef03adb23ac2f2b8b9f6d3a908fd72",
"text": "\"So \"\"Operation Twist\"\" is actually a pretty simple concept. Here's the break down: The Fed sells short-term treasury bonds that it already holds on its books. Short-term treasury bonds refer to - bonds that mature in less than three years. Then: ... | [
{
"docid": "1de24d75080643ec1433ec639cffd061",
"text": "The severity of wealth inequality- more so than its existence- is what I'm getting at when I talk about the Fed. The cantillon effect is a theory that essentially states that the first recipients of stimulus are far better off than those 2 or 3 degrees... | fiqa |
52b55dcb7fa4fddf1812b84c6740a9a0 | Is it ever logical to not deposit to a matched 401(k) account? | [
{
"docid": "da8c84c95dbf3d06800a6611c57b1596",
"text": "\"The original question was aimed at early payment on a student loan at 6%. Let's look at some numbers. Note, the actual numbers were much lower, I've increased the debt to a level that's more typical, as well as more likely to keep the borrower worri... | [
{
"docid": "3902ff75b95b17d3da9bb9b7e00e3bdb",
"text": "\"If you have enough earned income to cover this amount you should be all set. If I understand you correctly you proposed two transactions. The first, a withdrawal from the beneficiary IRA. Some of which is an RMD the rest is an extra withdrawal of fun... | fiqa |
f03ed9d9a2a4a10aa901779aa0acb493 | Relation between interest rates and currency for a nation | [
{
"docid": "9073fe66e32efa5077a99658e8e018e5",
"text": "What you are asking about is called Interest Rate Parity. Or for a longer explanation the article Interest Rate Parity at Wikipedia. If the US has a rate of say zero, and the rate in Elbonia is 10%, one believes that in a year the exchange rate will b... | [
{
"docid": "483a44043abcf489a5cbc05a12eb5d2d",
"text": "I've always understood inflation to be linked to individual currencies, although my only research into the subject was an intro economics course in undergrad and I don't recall seeing why that would be the case. I guess the basic principle is that cur... | fiqa |
54d0a3948cc5316f7811548186525c81 | Optimal Asset Allocation | [
{
"docid": "8adfee5e74946a3fe31601151914d637",
"text": "Generally a diversified portfolio will give you a better overall return --a couple of factors that may address what you are looking at - 1) Correlation - The correlation between your two funds is still very high -- it's partially a function of how glob... | [
{
"docid": "668e10003575f88b6ce719c0d39a32af",
"text": "I want to mention I've found 2 options for more powerful tools that can be used to manage asset allocation: Advantages/Disadvantages: Vanguard Morningstar X-ray I hope this helps others struggling with asset allocation.",
"title": ""
},
{
... | fiqa |
393d5329a36b4fdd26ef2e86b4cc176f | For a mortgage down-payment, what percentage is sensible? | [
{
"docid": "b33d90ed50b9465c8401b318e3e86ff2",
"text": "\"The typical down-payment was expected to be 20%. The idea being that if one could not save 1/5 of the cost of a house, they were not responsible enough to ensure repayment of the loan. It is hard to say whether this is truly a relevant measure. How... | [
{
"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 |
d834c1c4bdc00b19b52efaf78128cea3 | What forces cause a company to write down goodwill? | [
{
"docid": "7a01acf95a353dcd5c011f4163d3d225",
"text": "To understand the answer we first have to understand what Goodwill is. Goodwill in a companies balance sheet is an intangible asset that represents the extra value because of a strong brand name, good customer relations, good employee relations and any... | [
{
"docid": "0fabf85cd931ba89b9c27fcb7b04bb9b",
"text": "\"To my knowledge, there's no universal equation, so this could vary by individual/company. The equation I use (outside of sentiment measurement) is the below - which carries its own risks: This equations assumes two key points: Anything over 1.2 is ... | fiqa |
99e28db8f7fe285c0c7e0fc02deeb946 | Do large market players using HFT make it unsafe for individual investors to be in the stock market? | [
{
"docid": "3816bdadaff52d8404cf2217ab792410",
"text": "There's a lot of hype about HFT. It involves computers doing things that people don't really understand and making a bunch of rich guys a bunch of money, and there was a crisis and so we hate rich wall street guys this year, and so it's a hot-button is... | [
{
"docid": "daff22609d39d7ef7c465090f1d9b402",
"text": "\"Are you talking long-term institutional or retail investors? Long-term *retail* investors look for *orderly markets*, the antithesis of HFT business models, which have a direct correlation between market volatility and profits. To a lesser extent, so... | fiqa |
f6a6c6a54bca7a2cdb8661119ad25003 | Variations of Dual momentum | [
{
"docid": "0e67e45b5854d2f1613136954e4faf30",
"text": "\"There's a few layers to the Momentum Theory discussed in that book. But speaking in general terms I can answer the following: Kind of. Assuming you understand that historically the Nasdaq has seen a little more volatility than the S&P. And, more impo... | [
{
"docid": "2aa481ffa2d33951bfdbbab1ebf2c7cb",
"text": "Not really. You can have two bonds that have identical duration but vastly different convexity. Pensions and insurance portfolio managers are most common buyers as they're trying to deal with liability matching and high convexity allows them to creat... | fiqa |
41df0bab5d11a87aecdeefdd547f8a58 | Why buy bonds in a no-arbitrage market? | [
{
"docid": "307191f5ae6dbc398f2cb2c30b15c1b7",
"text": "Rates are a complex field. I will assume that context wise you are talking about rates for a individual saver quantities. The two rates you are asking about are personal bank saving account and exchange traded bonds. The points you want to compare betw... | [
{
"docid": "bd4931e1968953260f3368e895dd5e48",
"text": "Bonds provide protections against stock market crashes, diversity and returns as the other posters have said but the primary reason to invest in bonds is to receive relatively guaranteed income. By that I mean you receive regular payments as long as th... | fiqa |
e5546400a617d146b92d37dd82e41f15 | What is the risk-neutral probability? | [
{
"docid": "cccddce7245c2fc6e6ab69142941c94c",
"text": "\"You have actually asked several questions, so I think what I'll do is give you an intuition about risk-neutral pricing to get you started. Then I think the answer to many of your questions will become clear. Physical Probability There is some probab... | [
{
"docid": "a82bece8a7b6c04dce89b387fe72c88e",
"text": "To get the probability of hitting a target price you need a little more math and an assumption about the expected return of your stock. First let's examine the parts of this expression. IV is the implied volatility of the option. That means it's the ... | fiqa |
aa2293b67cd33de5f913481d609fc3e6 | How do banks lose money on foreclosures? | [
{
"docid": "f4aa10b157076a2d41f8f8ec9de3d2c1",
"text": "\"The \"\"just accounting\"\" is how money market works these days. Lets look at this simplified example: The bank creates an asset - loan in the amount of X, secured by a house worth 1.25*X (assuming 20% downpayment). The bank also creates a liability... | [
{
"docid": "32e935b4339ffb2917c8b86d2b58f554",
"text": "\"During the actual decline, there's very little money to be made and a lot to lose. When housing prices tank, everybody loses; the banks are exposed to higher risk of mortgage defaults, insurers start having to pay out more for \"\"gas leaks\"\" claim... | fiqa |
a8f65eb80cc5daedce56a113df4da9a6 | Finance algebra | [
{
"docid": "c3d8d070a56a01810b48d789ecb1cddf",
"text": "With the following variables the periodic (annual) repayment is given by The recurrence equation for the balance b at the end of month x is derived from b[x + 1] = b[x] (1 + r) - d where b[0] = s giving The interest portion of the final payment is b[n ... | [
{
"docid": "5085b7413e9cb158544dce5b32e82066",
"text": "According to my calculations, you always lose money on group B. x = average monthly balance Income for a year = 0.015 * (12 * x) = 0.18 * x Cost of funds for one month = 0.04 * x Cost of funds for one year = 12 * (0.04 * x) = 0.48 * x Profit? at e... | fiqa |
b9850f712dcff328cb6b981a97aeb5e8 | Is the Canadian Securities Course (CSC) enough to get started in the finance industry in Canada? | [
{
"docid": "090860a1c544820a7adb13da0f6f543e",
"text": "\"Wikipedia says \"\"The Canadian Securities Course (CSC) offered by the Canadian Securities Institute (CSI) is the initial course required for becoming licensed to work within the Canadian securities industry (outside Quebec) as a securities dealer or... | [
{
"docid": "aecd446de2f3b43229db2f93e5ca3553",
"text": "It depends what area of finance, but an ivy league education is not *required*. A good school, probably, but the best thing you can do for yourself is go through the internship program at a bank or financial institution (usually after junior year, but ... | fiqa |
8232ca8d23997cbc7bf14ee759c8255a | Advantage of Financial Times vs. free news sources for improving own knowledge of finance? | [
{
"docid": "953998066744ca70bd3d52152d186a3a",
"text": "\"If you are interested in a career in algorithmic trading, I strongly encourage you to formally study math and computer science. Algorithmic trading firms have no need for employees with financial knowledge; if they did, they'd just be called \"\"tra... | [
{
"docid": "5b00300f2a333c26c62eefd7a6367917",
"text": "When you look at the charts in Google Finance, they put the news on the right hand side. The time stamp for each news item is indicated with a letter in the chart. This often shows what news the market is reacting to. In your example: Clicking on the ... | fiqa |
a614de632762b5e06242c0c7cb2aa164 | Car dealers offering lower prices when financing a used car | [
{
"docid": "f95bc581a3d4e6fe834469a1a551bbe3",
"text": "\"It is a legitimate practice. The dealers do get the loan money \"\"up front\"\" because they're not holding the loan themselves; they promptly sell it to someone else or (more commonly) just act as salesmen for a lending institution and take their pr... | [
{
"docid": "1add9a666c8b481d0ddcca7928f6e38c",
"text": "\"Were you just offered a car loan for 1.4%, or did you sign for a car loan for 1.4%? If you signed, it's too late. If you didn't sign: You should realise that your car loan isn't really 1.4%. Nobody will give you a car loan for less than a mortgage l... | fiqa |
28696b5dffe034b1d371fa142d46ade0 | Figuring flood insurance into financing cost | [
{
"docid": "7f927c0b8f2e599be70bb7b3c2b2b86a",
"text": "We recently had a sump pump fail during a rainy weekend. Never had more than an inch or so of water on the floor. Total cost to remove the water, dry out the basement, and repair the damage to the paneling and wallboard: more than $7,000 plus the new ... | [
{
"docid": "a8ae0bc20cdc126b60553272d13fc94a",
"text": "\"In economics, there is a notion called the Sunk Cost Fallacy. In a nutshell, the sunk cost fallacy says that human beings tend to prefer to \"\"throw good money after bad\"\" because of a strong loss aversion. That, coupled with how we frame an iss... | fiqa |
f2b4a049ce57dc095028472579502a7c | How do I know if refinance is beneficial enough to me? | [
{
"docid": "bd6b93b94758ae5990326a55b01b59f4",
"text": "When evaluating a refinance, you need to figure out the payback time. Refinancing costs money in closing costs. The payback time is the time it takes to recover the closing costs with the amount of money you are saving in interest. For example, if the... | [
{
"docid": "849865233681cf162c72b2fb2ed4fc5a",
"text": "\"Do you now own your new home, or are you renting? This is a classic case of a mortgage ready to blow up. These 7/1 interest only would have a low rate, say 3%. So on $200K, the payment is $500/mo, but no principal paydown. Even if the rate were stil... | fiqa |
6fe5368721889824ab6b5e9246b1504d | What's the most correct way to calculate market cap for multi-class companies? | [
{
"docid": "f678cba5b45561cd1e6bdf087202978e",
"text": "From their 10-K pulled directly from Edgar: As of October 22, 2015, there were 291,327,781 shares of Alphabet Inc.’s (the successor issuer pursuant to Rule 12g-3(a) under the Exchange Act as of October 2, 2015) (Alphabet) Class A common stock ou... | [
{
"docid": "656459e97b584bde9d9f9867b0ba41b5",
"text": "Go to bankrate dot com. They will have a lot of metrics there that might give you an idea and rate each category. Capitalization and profitability metrics. May not be as granular as what you are looking for though.",
"title": ""
},
{
"docid... | fiqa |
d46f0813abc0211c2e012e4f68636897 | Why does Yahoo miss some mutual fund dividends/capital gains? | [
{
"docid": "aade973ed2fc9f2d0cc26bc56b1d2607",
"text": "This looks more like an aggregation problem. The Dividends and Capital Gains are on quite a few occassions not on same day and hence the way Yahoo is aggregating could be an issue. There is a seperate page with Dividends and capital gains are shown sep... | [
{
"docid": "9d9cfa352ce07f9aa89d06d2a710373e",
"text": "I don't see it in any of the exchange feeds I've gone through, including the SIPs. Not sure if there's something wrong with Nasdaq Last Sale (I don't have that feed) but it should be putting out the exact same data as ITCH.",
"title": ""
},
{
... | fiqa |
7ab2049d75980f7ba8b46f40a89ee24d | Fetching technical indicators from yahoo api | [
{
"docid": "d3b2860b2a0cb99380d086fe2d4ba081",
"text": "Still working on exact answer to question....for now: (BONUS) Here is how to pull a graphical chart with the required data: Therefore: As r14 = the indicator for RSI. The above pull would pull Google, 6months, line chart, linear, large, with a 50 da... | [
{
"docid": "ce9728af04a4323265db53597886dff5",
"text": "\"Yahoo Finance: http://finance.yahoo.com/q/pr?s=VFINX+Profile Under \"\"Management Information\"\"\"",
"title": ""
},
{
"docid": "b79cfb6a07c02193c16374f60169c313",
"text": "Hi all - I'm a UX designer working on a design challenge as p... | fiqa |
97ada09216d5bb11105f81dc40e9422c | Last trade is bought? or sold? | [
{
"docid": "3cf826e207e5f01ea2e94f901200987e",
"text": "\"When there is a trade the shares were both bought and sold. In any trade on the secondary market there has to be both a buyer and a seller for the trade to take place. So in \"\"lasttradesize\"\" a buyer has bought the shares from a seller.\"",
"... | [
{
"docid": "a2e2659fbb6f56f7fab735ca812cc1df",
"text": "\"Assuming that no one else has hit the ask, and the asks are still there, yes, you will fill $54.55 as long as you didn't exhaust that ask. Actually, there is no \"\"current price at which the stock is exchanging hands\"\"; in reality, it is \"\"the l... | fiqa |
ce6b2acae7491e3fc500e66adc438512 | What kinds of information do financial workers typically check on a daily basis? | [
{
"docid": "2011683a7282591b7487b02e7d336fa2",
"text": "I think it depends where you live in the world, but I guess the most common would be: Major Equity Indices I would say major currency exchange rate: And have a look at the Libors for USD and EUR. I guess the intent of the question is more to see how im... | [
{
"docid": "9b42ee8b333f4eda0048aaa07d6c5a1c",
"text": "Edgar Online is the SEC's reporting repository where public companies post their forms, these forms contain financial data Stock screeners allow you to compare many companies based on many financial metrics. Many sites have them, Google Finance has one... | fiqa |
45370fd29206eaecc669b8b4fe715135 | My Co-Signer is the Primary Account Holder for my Car Loan - Does this affect my credit? | [
{
"docid": "87201af6685b597d3ff47bfff8ea40fd",
"text": "It sounds like your father got a loan and you are making the payments. If your name and SSN are not on the loan then you are not getting credit for making the payments your father is. So it will not affect your credit. If you are on the loan as a se... | [
{
"docid": "56b3f2e8678f37a2950221facf30df56",
"text": "Is it difficult to ask the credit card issuer for two cards, even if the account belongs to one person? You can most definitely get two cards for one account. People do it all the time. You just have to add her on as an authorized user. Would it be be... | fiqa |
40a5dee1d58f07e5ea79e117f83dd363 | Do governments support their own bonds when their value goes down? | [
{
"docid": "2f8cad6ee9f617527d2b37879cb2660b",
"text": "Companies do not support their stock. Once the security is out on the wild (market), its price fluctuates according to what investors think they are worth. Support is a whole different concept, financially speaking: Support or support level refers to t... | [
{
"docid": "98b361fce03eb6c8c2291c71e74e3e5e",
"text": "Sure thing - Treasuries Bonds/Bills are what the US Gov uses to borrow. However it's slightly different than taking out a loan. It's basically an agreement to give (repay) a set sum of money at a certain time in the future in exchange for a sum of fun... | fiqa |
a8c7e2f72b284361a53b48eb3fc0c21e | Equity market inflow meaning | [
{
"docid": "a46c33002c40f62862d7f5150d43ce12",
"text": "Suppose I purchase $10,000 worth of a particular share today. If the person(s) I am purchasing the shares from paid $9,000 for those shares, then I replacing their $9,000 investment with my $10,000 investment. This is a net inflow of $1,000 into the m... | [
{
"docid": "0d004b1d7e0b8e2309af0ee4e6b08f4d",
"text": "Volumes are used to predict momentum of movement, not the direction of it. Large trading volumes generally tend to create a price breakout in either positive or negative direction. Especially in relatively illiquid stocks (like small caps), sudden volu... | fiqa |
a60d8083a9067c10a940672cb297af98 | what does “private equity structures” mean? | [
{
"docid": "e0d5da798f1bcf302989d8b0d01cc12e",
"text": "\"Private equity firms have a unique structure: The general partners (GP's) of the firm create funds and manage the investments of those funds. Limited partners (LP's) contribute the capital to the funds, pay fees to the GP's, and then make money when... | [
{
"docid": "c89af4372c5a95e112336d2e3e9f3f8a",
"text": "\"This is an example from another field, real estate. Suppose you buy a $100,000 house with a 20 percent down payment, or $20,000, and borrow the other $80,000. In this example, your \"\"equity\"\" or \"\"market cap\"\" is $20,000. But the total value,... | fiqa |
883efd5a8d35ce6b58b70d4c5d1755e8 | How does a TFSA work? Where does the interest come from? | [
{
"docid": "ab42ac4c2bed63438d52716bde6d5ff5",
"text": "\"A TFSA is a tax free savings account. It is a type of account where you can buy various investments like stocks, bonds, or funds (mutual, exchange traded, and money market). There are some other options but it's best to see what your bank or broker... | [
{
"docid": "f1a0bab43fe7bd385d1f5b7263d5969a",
"text": "It's not compound interest. It is internal rate of return. If you have access to Excel look up the XIRR built-in function.",
"title": ""
},
{
"docid": "30e70d35397d2cbe6064325e0c733930",
"text": "\"Q: How do currency markets work? A: T... | fiqa |
084f190771e2af051d862e4f2719e4c7 | Do budgeting % breakdowns apply globally? | [
{
"docid": "ce7bc2c2cd732782fe38fbe089359593",
"text": "The exact percentages depend on many things, not just location. For example, everyone needs food. If you have a low income, the percentage of your income spent on food would be much higher than for someone that has a high income. Any budgeting guideli... | [
{
"docid": "20453d9084fa515d30f1251b55b7f57e",
"text": "it just depends on your situation and sometimes accounting can't fix that. by mentor pays 35% even though he only goes back to the USA to visit. I go back less than 30 days a year so I can claim I'm a foreign resident but if all my income is in the US... | fiqa |
f2f5e4df3da1f6042feaa330f5209880 | Currency exchange problem | [
{
"docid": "ff8c228fa00407ba410e26d425901054",
"text": "\"For the purposes of report generation, I would recommend that you present the data in the currency of the user's home country. You could present another indicator, if needed, to indicate that a specific transaction was denominated in a foreign curren... | [
{
"docid": "a5e5d2517a9b70e783fc80f34f3ce7f7",
"text": "What you are doing is barter trade. Most countries [if not all] would tax this on assumed fair value. There are instances where countries may relax this norm in border areas for a small amount. Barter is not just for gold – one can virtually do this ... | fiqa |
3809b2dc027980a7178bd925a21786e8 | Multi-year profit/tax question | [
{
"docid": "cc6fa619ea47d96f8115d98b2b451219",
"text": "\"This is called \"\"Net Operating Loss\"\", and it is in fact applicable for individuals as well. You can, under certain circumstances, have NOL even as an individual. But it is far more common in the corporate world. What happens is that you can carr... | [
{
"docid": "200fcef0533e0e0a2d7806632fc623de",
"text": "\"For example, if I have an income of $100,000 from my job and I also realize a $350,000 in long-term capital gains from a stock sale, will I pay 20% on the $350K or 15%? You'll pay 20% assuming filing single and no major offsets to taxable income.... | fiqa |
cbe1ac7645bf0f40b0cbeb086bf3d034 | Is there any reason not to put a 35% down payment on a car? | [
{
"docid": "a7d683c5780a734f14ec78ad96c32ba6",
"text": "\"If you are going to finance a used car, it is frequently best to arrange financing before you even pick out the car. The easiest way I recommend is to talk to a local credit union or two. They'll be able to tell you your interest rate and terms ... | [
{
"docid": "23fc1e0f6012f54c0331ebef7ee3bf7b",
"text": "Buying a used car can be risky. It can be easy to make a mistake that would lead you to buying a lemon. Suddenly, your cost-saving tactic to buy a car is costing you more than you thought. This is why before you put down the money to buy your chosen ca... | fiqa |
6684348401d35e43189f0f03b0f32fc9 | Is there a term for total money owed to you? | [
{
"docid": "ad8717fc5206507523a432d6860760e5",
"text": "\"Is there a word for that $20k owed? Trade Receivables, Accounts Receivables, or just Receivables Is there a different word for that $30k \"\"hypothetical\"\" total? Current Assets (Includes Inventory and other short term assets)\"",
"title": ""
... | [
{
"docid": "d2930f58b82be1037bcd97026c3c9461",
"text": "The reason the loan amount is showing is because it is a default - the fact that you live in a non-recourse state doesn't change the fact that a loan obligation that had your name on it was defaulted upon. I don't think there is much you can do now giv... | fiqa |
2c93ad07a51116172d1c2bb609aac5d5 | Rate of change of beta | [
{
"docid": "26bfeeda4240cfb5753e43a10455bce9",
"text": "\"This is (almost) a question in financial engineering. First I will note that a discussion of \"\"the greeks\"\" is well presented at https://en.wikipedia.org/wiki/Greeks_(finance) These measures are first, second and higher order derivatives (or rate... | [
{
"docid": "1c7bca4d050fb9aa9caa7b4e7c8ff819",
"text": "I agree with that, but this study can't have been conducted over the long term. I'm just pointing out that just because the rates of increase are different doesn't necessarily imply a high margin of error. Could be a high margin of error, of course, ... | fiqa |
19613fce3c7c6fec3bb3a05f0bda4268 | Can I profit from selling a PUT on BBY? | [
{
"docid": "34bde35f3d87d48efcb701b18a66256f",
"text": "Yes. You got it right. If BBY has issues and drops to say, $20, as the put buyer, I force you to take my 100 shares for $2800, but they are worth $2000, and you lost $800 for the sake of making $28. The truth is, the commissions also wipe out the mot... | [
{
"docid": "605802582d7668a70b363758d5881d8e",
"text": "I work at a FOREX broker, and can tell you that what you want to do is NOT possible. If someone is telling you it is, they're lying. You could (in theory) make money from the SWAP (the interest you speak of is called SWAP) if you go both short and long... | fiqa |
e1423ce02445bdef73b18710965970b2 | When I ask a broker to buy stock, what does the broker do? | [
{
"docid": "5af089407e1ce10eb067713f60179f8b",
"text": "Here are a couple of articles that can help highlight the differences between a broker and an online investment service, which seems to be part of the question that you're asking. Pay attention to the references at the end of this link. http://finance.... | [
{
"docid": "c11fe5f13315fd4fb806ae0e7b291386",
"text": "\"As far as I know, the answer to this is generally \"\"no.\"\" The closest thing would be to identify the stock transfer company representing the company that you want to hold and buy through them. (I have held this way, but I don't know if it's avai... | fiqa |
efb7b64c738100e63360802510b45f1f | Who performs the blocking on a Visa card? | [
{
"docid": "be5e92c9a470b50398820cd8544a10a2",
"text": "It is the people who you bought the ticket from. Blocking is frequently done by hotels, gas stations, or rental car companies. Also, for anything where the credit card might be used to cover any damages or charges you might incur later as part of the t... | [
{
"docid": "36320d5d3ef4f2c73640925da28ba1b3",
"text": "Generally, credit card networks (as opposed to debit/ATM cards that may or may not have Visa/MC logos) have a rule that a merchant must accept any credit card with their logo. Visa rules for merchants in the US say it explicitly: Accept all types of va... | fiqa |
a5f84871eea29696bd712058aaa8b1d7 | Is a car loan bad debt? | [
{
"docid": "8ac5cffbd419a4f21a5789c2b9dc010d",
"text": "Here is another way to look at it. Does this debt enable you to buy more car than you can really afford, or more car than you need? If so, it's bad debt. Let's say you don't have the price of a new car, but you can buy a used car with the cash you have... | [
{
"docid": "0f582e0ac48d6814598329f1322f4530",
"text": "I'm going to be buying a house / car / home theater system in the next few months, and this loan would show up on my credit report and negatively impact my score, making me unable to get the financing that I'll need.",
"title": ""
},
{
"doc... | fiqa |
f679a58b02bb7f58f9b19e6a6c6f6de4 | moving family deposits away from Greece (possibly in UK) | [
{
"docid": "a13a3d909a8a8d15a3b73e158a461de0",
"text": "I can't comment about your tax liability in Greece. You will have to pay tax on interest in the UK. If you are earning massive amounts of interest, unlikely with the current interest policies from Merv, then you might be bumped up a tier. The receiving... | [
{
"docid": "22eb978738fd1c98a3ff89e48dc890fb",
"text": "One way of looking at this (just expanding on my comment on Dheer's answer): If the funds were in EUR in Germany already and not in the UK, would you be choosing to move them to the UK (or a GBP denominated bank account) and engage in currency speculat... | fiqa |
6bf952ffb92611db1eea36be0ca9a497 | How to calculate the closing price percentage change for a stock? | [
{
"docid": "25fc959e1028b1ec366771661e75cb64",
"text": "The previous day's close on Thursday 10th October was 5,000.00 The close on Friday 11th October is 5,025.92 So the gain on Friday was 25.92 (5025.92 - 5000) or 0.52% (25.92/5000 x 100%). No mystery!",
"title": ""
}
] | [
{
"docid": "2c600e5d7c6579a79832cc6565ae570f",
"text": "\"Edited: Pub 550 says 30 days before or after so the example is ok - but still a gain by average share basis. On sale your basis is likely defaulted to \"\"average price\"\" (in the example 9.67 so there was a gain selling at 10), but can be named sh... | fiqa |
ad81c2deb3217964a42a17395704aba7 | Why doesn't GnuCash auto-reconcile non-bank accounts? | [
{
"docid": "dd301cc7c61fc66dfca48b4390e5e4f7",
"text": "\"The answer is just close your eyes and ignore it (in your words). I'm right there with you, the amount of detail that I track in my personal finances would be called obscene by some people. But as you look at these features in any accounting applica... | [
{
"docid": "4059ea0037fe601d67bfb083947ecd6d",
"text": "Shop around for a bank that offers lower/no fees for this operation and move your account there... or, yes, change where the direct deposit is routed... or move these accounts into a single bank so it's an internal transfer rather than ACH. Or ask the... | fiqa |
4d41c81d0f6503ce1529c0485afb7ebe | Strategy to pay off car loan before selling the car | [
{
"docid": "92a61455d9f49c80b5be72ef8cd10f71",
"text": "As far as ease of sale transaction goes you'll want to pay off the loan and have the title in your name and in your hand at the time of sale. Selling a car private party is difficult enough, the last thing you want is some administrivia clouding your ... | [
{
"docid": "4e5fd662a672e4645120d38ef17e20f9",
"text": "The main benefit of paying off the loan early is that it's not on your mind, you don't have to worry about missing a payment and incurring the full interest due at that point. Your loan may not be set up that way, but most 0% interest loans are set up ... | 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 |
355fc8090bbb438e307362e0af3565ed | Why does shorting a call option have potential for unlimited loss? | [
{
"docid": "dc97090be3ab27139fd98f9ac08e954b",
"text": "\"You are likely making an assumption that the \"\"Short call\"\" part of the article you refer to isn't making: that you own the underlying stock in the first place. Rather, selling short a call has two primary cases with considerably different risk p... | [
{
"docid": "388c7482b2633eb9ef23f43a18b04792",
"text": "\"No. The more legs you add onto your trade, the more commissions you will pay entering and exiting the trade and the more opportunity for slippage. So lets head the other direction. Can we make a simple, risk-free option trade, with as few legs as... | fiqa |
b9249f78f2e10312a67d190e101058c2 | Annuities question - Equations of value | [
{
"docid": "c7cf50b1d08c74636ecff24bf8c02aa3",
"text": "These are the steps I'd follow: $200 today times (1.04)^10 = Cost in year 10. The 6 deposits of $20 will be one time value calculation with a resulting year 7 final value. You then must apply 10% for 3 years (1.1)^3 to get the 10th year result. You n... | [
{
"docid": "09848b9331b52609b3aa51f93f586f3a",
"text": "There is always some fine print, read it. I doubt there is any product out there that can guarantee an 8% return. As a counter example - a 70 yr old can get 6% in a fixed immediate annuity. On death, the original premium is retained by the insurance c... | 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 |
bfdf67317b19d0c5f05c8dac44e86353 | Current accounts reward schemes and reciprocal standing orders? | [
{
"docid": "9021ee044ffe953dad127d98ff65fa9e",
"text": "\"I don't think it would be counted as income, and if it's a short-term loan it doesn't really matter as the notional interest on the loan would be negligible. But you can avoid any possible complications by just having two accounts in the name of the ... | [
{
"docid": "596c851ead1b66cb3bf36f4853c6a8e8",
"text": "Based on my research while asking How are unmarketable market orders (other side of the order book is empty) matched with incoming orders? and the one answer there, it seems like there are a few things for certain: All of this of course depends on the ... | fiqa |
4b6d72d79cc97709e6953fe5042b6d76 | Investing Account Options | [
{
"docid": "5768adeca0219e72d67ccb5dbb924ded",
"text": "Immediately move your Roth IRA out of Edward Jones and into a discount broker like Scottrade, Ameritrade, Fidelity, Vanguard, Schwab, or E-Trade. Edward Jones will be charging you a large fraction of your money (probably at least 1% explicitly and may... | [
{
"docid": "1e3cdc7396f7f31fd63aa01e35c6083b",
"text": "\"Roth is currently not an option, unless you can manage to document income. At 6, this would be difficult but not impossible. My daughter was babysitting at 10, that's when we started her Roth. The 529 is the only option listed that offers the protec... | fiqa |
198cd7e5b10ed8adfddf1c5ff06f0bb7 | Construction loan for new house replacing existing mortgaged house? | [
{
"docid": "441cb33517b78809ab0bb9a2dcf44c46",
"text": "So let's assume some values to better explain this. For simplicity, all of these are in thousands: So in this example, you're going to destroy $250 in value, pay off the existing $150 loan and have to invest $300 in to build the new house and this exa... | [
{
"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... | fiqa |
02d9e8acb2820b38b294ca4fc6cf71ac | What are some sources of information on dividend schedules and amounts? | [
{
"docid": "6efc06d196afec374bb60ee6e801f6e6",
"text": "I second the Yahoo! Finance key stats suggestion, but I like Morningstar even better: http://quote.morningstar.com/stock/s.aspx?t=roic They show projected yield, based on the most recent dividend; the declared and ex-dividend dates, and the declared am... | [
{
"docid": "16b0f346130714809d8295fe35c92f4d",
"text": "\"Dividend-paying securities generally have predictable cash flows. A telecom, electric or gas utility is a great example. They collect a fairly predictable amount of money and sells goods at a fairly predictable or even regulated markup. It is easy fo... | fiqa |
047f0f057d4c0e6c0cf600bf8af8fe94 | Using credit cards online: is it safe? | [
{
"docid": "cc29b3625d992e08e17d8740d18e3086",
"text": "You're right that someone who, say, photographed the front of your card at the store could use it to make some online purchases. Schemes like Visa's 3-D Secure provide additional online security by having you enter your password on the issuer's website... | [
{
"docid": "56b01badf3f52009978c270470a6887f",
"text": "There's no requirement to use these OTP systems to process Internet transactions. Some merchants are using them, some are not. PayPal does not since they are not the receiver of the money but rather a merchant processor - so they don't assume any risk ... | fiqa |
1a8ab46ff75ca3351ad17f2a25189956 | Book or web site resources for an absolute beginner to learn about stocks and investing? | [
{
"docid": "a06e5c925c92154d705db524fe9cb372",
"text": "The Motley Fool's How to Invest How To Invest Benjamin Graham's The Intelligent Investor The Intelligent Investor If you like The Intelligent Investor then try Benjamin's Security Analysis. But that one is not a beginner book.",
"title": ""
},
... | [
{
"docid": "7dad2954cd0f1d2bdec3fb269c948ed4",
"text": "Books are a great place to start, Jason Kelly's The Neatest Little Guide to Stock Market Investing will give you a broad foundation of the stock & bond market.",
"title": ""
},
{
"docid": "7ab5e1c25f0ae028667ac6fd6f605c2b",
"text": "Tho... | fiqa |
1f24c06b30ebf391f6f565f02cd4f3c3 | What is the best use of “spare” money? | [
{
"docid": "d41d8cd98f00b204e9800998ecf8427e",
"text": "",
"title": ""
},
{
"docid": "d636f7f7ecf7b891f7c3dac59f4a737c",
"text": "Congratulations! You're making enough money to invest. There are two easy places to start: I recommend against savings accounts because they will quite safely los... | [
{
"docid": "435c3470e17746d6233f856852a9e7d9",
"text": "After retirement nobody want to get low on cash. So, the best way to stay safe is to make some investments. Compare the saving with regular expenses and invest the rest. You can put some money in short-term reserves such as bank accounts, market funds,... | fiqa |
bd10e5e4e55afc4c1b92847d04a315f5 | United Kingdom: Where to save money for a property deposit | [
{
"docid": "9009f2ca1561efda66e8935d50e4ac94",
"text": "The chancellor announced an ISA in this week's budget intended for people saving to buy their first home. For every £200 put in the government will add £50 to the account so I would strongly encourage you to put the money into that as it is also tax fr... | [
{
"docid": "d8b7786c9df393ebf88eb4238d98e569",
"text": "\"For US punters, the Centre for Economic and Policy Research has a Housing Cost Calculator you can play with. The BBC provides this one for the UK. For everyone else, there are a few rules of thumb (use with discretion and only as a ball-park guide):... | fiqa |
ecab19d66ae6721774a4bbb9d59929eb | In NYC is there sales tax on services like computer / cell phone repair? | [
{
"docid": "d6a98d3d7c90ccb8fe872ecdb9013ed4",
"text": "According to the New York State Department of Taxation and Finance, your service would appear to be exempt from taxes. However, if you are charging for tangible items, those would incur a sales tax.",
"title": ""
}
] | [
{
"docid": "0660a055e498255f0629f66e7b8303f2",
"text": "\"Tax is often calculated per item. Especially in the days of the internet, some items are taxable and some aren't, depending on the item and your nexus. I would recommend calculating and storing tax with each item, to account for these subtle differ... | fiqa |
fbe4806c709db06b77fa6a413586e505 | What is the correct pronunciation of CAGR? | [
{
"docid": "feda58ab4887628b798861aced8d0b84",
"text": "\"I always hear people pronounce it to rhyme with \"\"bagger\"\".\"",
"title": ""
},
{
"docid": "2f89de8913df7fa00410588fcc7a9093",
"text": "Most readers probably know that an acronym is an invented word made up of the initial letters... | [
{
"docid": "316f7f42e4a123453b673e15177a9d75",
"text": "> quesorizo (queso + chorizo) And if you were actually, you know, in Mexico it would be a choriqueso. So much for authenticity. Although, to be fair, that would mostly be used in the greater D.F. area. In, say, Guanajuato they wouldn't make up stu... | fiqa |
ea4feff5a609725a9354587c49bd493d | Getting over that financial unease? Budgeting advice | [
{
"docid": "35a18ebf39052288dba1df16d3a440f3",
"text": "\"Budgeting is a tool for planning, not for execution. It sounds like you don't have a problem BUDGETING (planning what to spend on what things) but rather with the execution of your plan. That is - living frugally. This is primarily an issue of self c... | [
{
"docid": "d2cfeada7a458040c3b683316ec66c21",
"text": "\"There is no magic formula to this, quite simply: earn, cut expenses, and pay. It sounds like you can use a little bit of help in the earning area. While it sounds like you are career focused (which is great) what else can you do to earn? Can you ... | fiqa |
de71ee6aab37cdda5a3951f2bff05472 | Any Loop Holes for Owner Occupancy? | [
{
"docid": "213859f312c4e3f48e0be8dd4479e533",
"text": "\"There are 2 and 3 family houses that have an \"\"owner occupied\"\" clause for certain financing. Of course, one would rent out the extra apartments without question. The key thing is that owner-occupied means just that, occupancy for tax purposes. ... | [
{
"docid": "f6bbadb8199fa90aa011568f6a6db40c",
"text": "I have loved using AirBnB. I have found it easier to hire a maid to clean and it has been extremely financially advantageous for me. Be sure to check out out regulations in your area regarding AirBnB. I spoke with a personal advisor before I used Air... | fiqa |
a88165ddf0892700d31afc1f73e62cde | How can I tell if this internet sales manager is telling me the real “true cost” of a new car to the dealer | [
{
"docid": "51efadd821f1bda70945d48d468a2950",
"text": "I don't buy new cars anymore, but I've helped family members negotiate prices on new cars recently. There are various online services to see the average price paid, as well as the low outliers. I've looked at truecar.com for instance to see what others... | [
{
"docid": "ca6825a395b2bee9c84e0f46ececc662",
"text": "\"At one point in my life I sold cars and from what I saw, three things stick out. Unless the other dealership was in the same network, eg ABC Ford of City A, and ABC Ford of City B, they never had possession of that truck. So, no REAL application for... | fiqa |
c2ab327130b9423ccbfba6c234376a7b | Are there any funds tracking INDEXDJX:REIT? | [
{
"docid": "c6cfd328152923cd18a400e5ea5ef1a5",
"text": "Although you can't invest in an index, you can invest in a fund that basically invests in what the index is made up of. Example: In dealing with an auto index, you could find a fund that buys car companies's stock. The Google Finance list of funds deal... | [
{
"docid": "74e5c4eb9edac1768960798a29a788c8",
"text": "\"Beatrice does a good job of summarizing things. Tracking the index yourself is expensive (transaction costs) and tedious (number of transactions, keeping up with the changes, etc.) One of the points of using an index fund is to reduce your workload... | 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 |
d8b0fc7ca51312f3db3810e9a1bb282f | Is it common for a new car of about $16k to be worth only $4-6k after three years? | [
{
"docid": "c5778c02b5f7bc25fa3180e5e555eb28",
"text": "It depends completely on the car. Some cars retain their value much better, and others drop in value like a rock (no pun intended). The mileage and condition on a car also has a huge impact on value. According to this site, cars on average lose 46%... | [
{
"docid": "d656c57d1205ae4ee389bed0fd9b70d4",
"text": "New tires will increase the resale value of the car; while not by the full cost of the tires, it will not be entirely a sunk cost. You'd need to factor that in and find out how much the new tires increase the resale value of the car to determine how mu... | fiqa |
0da29b1d7cd99d72fb4e64b718e5ba0d | Hearing much about Dave Ramsey. Which of his works is best in describing his “philosophy” about money? | [
{
"docid": "0b31fca82fd425b962d53f66cd11e408",
"text": "Start with his website, specifically his seven steps. Most everything else is around motivating people to actually do the plan. As he often says personal finance is 80% personal and 20% finance, by which he means that things that make sense financially... | [
{
"docid": "954c946f77187334b35e3bb06a5a1055",
"text": "Thanks for the writeup, it was a really informative read. I've been aware for a while now that Reagan and Reaganomics were in a large way the 'start' of most of the current problems in the economic and political landscape, but you filled in a few gaps ... | fiqa |
0912ef511b3d1af8c10f0509d9eb8f2e | How can this be enough to fund a scholarship in perpetuity? | [
{
"docid": "c4ec080f48901e5d1591782ca087bcba",
"text": "The Trinity study looked at 'safe' withdrawal rates from retirement portfolios. They found it was safe to withdraw 4% of a portfolio consisting of stocks and bonds. I cannot immediately find exactly what specific investment allocations they used, but n... | [
{
"docid": "79bd1f7fa03d24bd2c00af21a84a8ba9",
"text": "isn't the answer in the question? it says the company starts officially NEXT year, yet it is asking for the net present value...i.e what that project is worth today. it could be that funds for that particular project may not be necessary for another ... | fiqa |
11443a8499fc2c326bee26ef31a6b27a | Put idle savings to use while keeping them liquid | [
{
"docid": "8c77c689e316cfeb3789dc124740bd18",
"text": "First of all, look for a savings account with a decent interest rate. Online banks are good at offering those, and you can transfer your money back and forth from the checking account with a couple of business days' delay. ING Direct offers 1.1% APY ri... | [
{
"docid": "9927cf53e6d00e8c5c9d5bf800e2f6be",
"text": "No. That's the point of a passive strategy: you maintain a more or less constant mix of assets and don't try to figure out what's going to move where.",
"title": ""
},
{
"docid": "249d93017da63b773ae7bb6de44e8ff9",
"text": "Most funds k... | fiqa |
0931c8b8d1d496d939e7e6726771a344 | Buying a house. I have the cash for the whole thing. Should I still get a mortgage to get the homeowner tax break? | [
{
"docid": "da95074b0c587333fa350554d8d1ff79",
"text": "Not for the tax break, no; as others have said that still costs you money. However, with rates being low right now and brought a bit lower by the tax break, this is an opportunity for the safest form of leveraged investing you will ever find. If you in... | [
{
"docid": "3eff2d19c29b1c7d18c9fb810330fac4",
"text": "\"Welcome to Money.SE, and thank you for your service. In general, buying a house is wise if (a) the overall cost of ownership is less than the ongoing cost to rent in the area, and (b) you plan to stay in that area for some time, usually 7+ years. T... | fiqa |
f6bb38a1b63cda5266a8e37025aa5406 | Are online mortgage lenders as good as local brick-and-mortar ones? | [
{
"docid": "1562d113a58d1be0c38e839c2068a765",
"text": "I had a pretty good experience with Lending Tree, although they are a mortgage broker, not a lender themselves.",
"title": ""
},
{
"docid": "4ed3141d1ecdbd5a18ae6b853bebb70d",
"text": "At least five of my co-workers are currently re-fin... | [
{
"docid": "e24bf7a39a85a27540fd6df3267e7eb0",
"text": "\"Excellent question. I'm not aware of one. I was going to say \"\"go visit some personal finance blogs\"\" but then I remembered that I write on one, and that I often get a commission if I talk about online accounts, so unless something is really bad... | 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 |
85c822184651c846c38c01f6dca9a3d5 | Now that Microsoft Money is gone, what can I do? [duplicate] | [
{
"docid": "90b0557ba3649538e4ef1b972e18f484",
"text": "Mint.com is a fantastic free personal finance software that can assist you with managing your money, planning budgets and setting financial goals. I've found the features to be more than adequate with keeping me informed of my financial situation. The ... | [
{
"docid": "f0caf721b73d61349849ec09fa64db2f",
"text": "Uh, Quicken is virtually identical to MS Money. If you liked money and don't want to change, use that.",
"title": ""
},
{
"docid": "4767150d12ae946f266ade3beae6a7b0",
"text": "You could keep an eye on BankSimple perhaps? I think it look... | fiqa |
0c479c743b38d9eddb2e1eb9630045f1 | APR for a Loan Paid Off Monthly | [
{
"docid": "eeaaa8a25d877e0bee9104edeae47c39",
"text": "The periodic rate (here, the interest charged per month), as you would enter into a finance calculator is 9.05%. Multiply by 12 to get 108.6% or calculate APR at 182.8%. Either way it's far more than 68%. If the $1680 were paid after 365 days, it woul... | [
{
"docid": "2948912ab138ec2aeae9dace2c07d281",
"text": "You're looking for the amortization calculation. This calculation is essentially solving for the series of cash flows that will yield a zero balance after the specified term, at the given rate for a loan amount. Once you have solved for the payment amo... | fiqa |
884cd94df9a70408aa3c4ae41d727350 | Does a budget comprise expenses, and/or revenue? | [
{
"docid": "127afca02f53cf42f86207b7eb1559a6",
"text": "Budget means both expenses and revenue. In quite a few cases, say personal finance, typically one refers to budget more from expenses point of view as the revenue is typically fixed/known [mostly salary]. The Operating budget and capital budget are l... | [
{
"docid": "126fd13c67264c54eded0b947f3c655d",
"text": "It's the same result either way. Say the bills are $600, and you are reimbursed $400. You'd be able to write off $400 as part of the utilities that are common expenses, but then claim the $400 as income. I'd stick with that, and have contemporaneous ... | fiqa |
d5f7178561ef54ecc3f67384dc484339 | How can a person with really bad credit history rent decent housing? | [
{
"docid": "ffb8bd6bf8c66369463193f0e40c7f18",
"text": "This tale makes me sad the more I learn of it. I am impressed with your dedication and caring for your ex-wife and particularly your kids; you seem like a good person from your questions. But you are tired and exasperated too. You have every right to... | [
{
"docid": "7dde74392ae43418f5636c60a710d5c6",
"text": "\"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... | fiqa |
8ad63cab57cd478d95e97f90824aa7aa | What would happen if I were to lose all equity in my condo when it's time to renew the mortgage? | [
{
"docid": "67a2ae48c781807568889aa87614e451",
"text": "It doesn't matter. You will just renew your mortgage at the prevailing rates. That's part of the mortgage contract. The problem that happens is if you want to move your mortgage to another bank for a better rate, they may not accept you. Your re-n... | [
{
"docid": "623dfa0df8931700ed0fa255c994972d",
"text": "\"This seems to be a very emotional thing for people and there are a lot of conflicting answers. I agree with JoeTaxpayer in general but I think it's worth coming at it from a slightly different angle. You are in Canada and you don't get to deduct any... | fiqa |
9af5ee4573bdfc40322c1eb171cacf99 | Paying off student loan or using that money for a downpayment on a house | [
{
"docid": "8c153ea4b906a889e5d80fc7a3b0859f",
"text": "Two years ago, I wrote an article titled Student Loans and Your First Mortgage in response to this exact question posed by a fellow blogger. The bottom line is that the loan payment doesn't lower your borrowing power as it fits in the slice between 28... | [
{
"docid": "1021105f9b691a94f55193b46aa9d692",
"text": "Lets do the math, using your numbers. We start off with $100K, a desire to buy a house and invest, and 30 years to do it. Scenario #1 We buy a house for $100K mortgage at 5% interest over 30 years. Monthly payment ends up being $536.82/month. We then ... | fiqa |
23356f49135f50168f428a8a8c43c90f | Should an IRA be disclaimed to allow it to be distributed according to a will? | [
{
"docid": "36dc4003aa8566c138d2964fa3226125",
"text": "There are two different possible taxes based on various scenarios proposed by the OP or the lawyer who drew up the OP's father's will or the OP's mother. First, there is the estate tax which is paid by the estate of the deceased, and the heirs get wh... | [
{
"docid": "fb9d030ac35296ba5c9fae89e43b890a",
"text": "Once upon a time, money rolled over from a 401k or 403b plan into an IRA could not be rolled into another 401k or 403b unless the IRA account was properly titled as a Rollover IRA (instead of Traditional IRA - Roth IRAs were still in the future) and th... | fiqa |
783e4add320625219c451c000df70235 | Are long-term bonds risky assets? | [
{
"docid": "8d9ab81d5f86195c4cce1c5fd44ed92f",
"text": "Bonds have multiple points of risk: This is part of the time value of money chapter in any finance course. Disclaimer - Duff's answer popped up as I was still doing the bond calculations. Similar to mine but less nerdy.",
"title": ""
},
{
... | [
{
"docid": "67a8f8a83db55a5a110890deeebbdcf3",
"text": "\"You have a high risk tolerance? Then learn about exchange traded options, and futures. Or the variety of markets that governments have decided that people without high income are too stupid to invest in, not even kidding. It appears that a lot of thi... | fiqa |
8f4ca521056060549adc9a7f2233c9a5 | Stocks and bonds have yields, but what is a yield? | [
{
"docid": "564005dc162c72c98e107c637b036256",
"text": "For bonds bought at par (the face value of the bond, like buying a CD for $1000) the payment it makes is the same as yield. You pay $1000 and get say, $40 per year or 4%. If you buy it for more or less than that $1000, say $900, there's some math (not ... | [
{
"docid": "0c6d9c87fc60a8c5f72ee0140b593d35",
"text": "\"A stock, at its most basic, is worth exactly what someone else will pay to buy it right now (or in the near future), just like anything else of value. However, what someone's willing to pay for it is typically based on what the person can get from it... | fiqa |
fd701532cbea38c484eb3986f21a6778 | Which tax year does a bonus fall under? | [
{
"docid": "5ad774d144f61833b720a43b509ca992",
"text": "From HMRC Note that the rule is when a person becomes entitled to payment of earnings. This is not necessarily the same as the date on which an employee acquires a right to be paid. For example, an employee's terms of service may provide for the employ... | [
{
"docid": "86645797bf5db511695605654ac08d4b",
"text": "\"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 ... | fiqa |
8e8f44621aa40e332c8b95606ce99593 | Can the U.S. government retroactively tax gains made earlier in the fiscal year? | [
{
"docid": "beeb13e4fad464b199373e02a5d674ad",
"text": "\"You're certainly referring to \"\"Ex Post Facto\"\" laws, and while the US is constitutionally prohibited from passing criminal laws that are retroactive, the US Supreme Court has upheld many tax laws that apply tax code changes retroactively. You mi... | [
{
"docid": "8f710fd6dbc5785f5ee8dd817323e99c",
"text": "Yes, you would have to report the gain. It is not relevant that you traded the stock previously, you still made a profit on the trade-at-hand. Imagine if for some reason this type of trade were exempt. Investors could follow the short term swings of vo... | 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 |
a59179715536bdf601cdb3dc9a77c3f8 | How to approach building credit without a credit card | [
{
"docid": "6db3089f91d39270c2273289148ff738",
"text": "Ways to build credit without applying for credit cards: It takes some time for these types of actions to positively affect you. I'd say at the very least 6 months. You won't get the full benefit for several years. However, the earlier you get starte... | [
{
"docid": "12846ee71ec9c5769954964fdc8c2f01",
"text": "\"Patience has never been my strong suit Unfortunately this is what you need to build up credit. The activities that increase your credit score are paying your bills on time and not using too much of the available credit that you do have. The rest (age... | fiqa |
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