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[
{
"content": "For a car, what scams can be plotted with 0% financing vs rebate?",
"role": "user"
},
{
"content": "The car deal makes money 3 ways. If you pay in one lump payment. If the payment is greater than what they paid for the car, plus their expenses, they make a profit. They loan you the mon... |
[
{
"content": "Why does it matter if a Central Bank has a negative rather than 0% interest rate?",
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},
{
"content": "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 Europe... |
[
{
"content": "Where should I be investing my money?",
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{
"content": "Pay off your debt. As you witnessed, no \"investment\" % is guaranteed. But your debt payments are... so if you have cash, the best way to \"invest\" it is to pay off your debt. Since your car is depreciating wh... |
[
{
"content": "Specifically when do options expire?",
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{
"content": "Equity options, at least those traded in the American exchanges, actually expire the Saturday after the 3rd Friday of the month. However, the choice to trade or exercise the options must be specified by the 3rd Fri... |
[
{
"content": "Negative Balance from Automatic Options Exercise. What to do?",
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{
"content": "Automatic exercisions can be extremely risky, and the closer to the money the options are, the riskier their exercisions are. It is unlikely that the entire account has negative equity since... |
[
{
"content": "Approximation of equity value for company in default",
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"content": "Generally \"default\" means that the company cannot pay off their debts, and since debt holders get paid before equity holders, their equity would be effectively worthless. That said, companies can e... |
[
{
"content": "Is it true that 90% of investors lose their money?",
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{
"content": "The game is not zero sum. When a friend and I chop down a tree, and build a house from it, the house has value, far greater than the value of a standing tree. Our labor has turned into something of val... |
[
{
"content": "Can a company charge you for services never requested or received?",
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{
"content": "In general, you can only be charged for services if there is some kind of contract. The contract doesn't have to be written, but you have to have agreed to it somehow. However, it is po... |
[
{
"content": "Working out if I should be registered as self-employed in the UK",
"role": "user"
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{
"content": "Being self employed just means you fill out some more forms in your annual self assessment for your \"profit\" from being self employed. Profit = all the money you receive, minus any tax... |
[
{
"content": "About eToro investments",
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"content": "For eToro, just like any other brokerage firm, you can lose your entire capital. I suggest that you invest in one or more exchange-traded funds that track major indexes. If not, just put your money in fixed deposit accounts; ga... |
[
{
"content": "Pay off car loan entirely or leave $1 until the end of the loan period?",
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"content": "Not sure if it is the same in the States as it is here in the UK (or possibly even depends on the lender) but if you have any amount outstanding on the loan then you wouldn't own t... |
[
{
"content": "Including the region where you live in your investment portfolio?",
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{
"content": "Diversification is a risk-mitigation strategy. When you invest in equities, you generally get a higher rate of return than a fixed income investment. But you have risks... a single compa... |
[
{
"content": "Are there any rules against penalizing consumers for requesting accurate credit reporting?",
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{
"content": "The Fair Credit Reporting Act specifies in some detail on pages 50-54 (as labeled in the footer, 55-59 as pages in pdf) the process that occurs when a consumer i... |
[
{
"content": "What are the reasons to get more than one credit card?",
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"content": "Another good reason: if you have to replace a card due to damage, loss, or identity theft it's nice to have a backup you can use until the new card for your primary account arrives. I know folks wh... |
[
{
"content": "Why is economic growth so important?",
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"content": "One of the best answers to this question that I've ever read is in a paper published by Robert Lucas in the Journal of Economic Perspectives. That journal is meant to a be a place for experts to write about their ar... |
[
{
"content": "Investment strategy for retired couple",
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"content": "You need to have them consult with a financial adviser that has a focus on issues for seniors. This is because they are beyond the saving for retirement phase and are now in the making-their-money-last phase. They... |
[
{
"content": "What is the US Fair Tax?",
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{
"content": "You asked about the challenges. The transition itself is the biggest one. For people to get used to the tax at the register vs at their paycheck. For a great number of people to find new work. I don't know the numbers, but anyo... |
[
{
"content": "Does bull/bear market actually make a difference?",
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{
"content": "If you know what you are doing, bear markets offer fantastic trading opportunities. I'm a futures and futures options trader, and am equally comfortable trading long or short, although I have a slight p... |
[
{
"content": "Does Tennessee have anything like a principal residence exemption?",
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"content": "There's no homestead property tax exemption in TN. According to the TN comptroller site: Exemptions Exemptions are available for religious, charitable, scientific, and nonprofit educa... |
[
{
"content": "How can it be possible that only ~10% of options expire worthless, and only ~10% are exercised?",
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{
"content": "Consider the futures market. Traders buy and sell gold futures, but very few contracts, relatively speaking, result in delivery. The contracts are sold, and... |
[
{
"content": "Will capital gains affect my tax bracket?",
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"content": "I'm not sure where you are, but in the United States capital gains are taxed at a lower rate than other types of income. On the 1040, captial gains income is separated from earned income, and income tax is calc... |
[
{
"content": "Can I sell a stock immediately?",
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"content": "You can*, if the market is open, in a normal trading phase (no auction phase), works, and there is an existing bid or offer on the product you want to trade, at the time the market learns of your order. Keep in mind ther... |
[
{
"content": "What can a CPA do that an EA cannot, and vice versa?",
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"content": "Enrolled Agents typically specialize only in tax matters. Their status allows them to represent clients before the IRS (which a CPA can also do) See the IRS site regarding Enrolled Agents Their focu... |
[
{
"content": "Is my stock gone forever from a reverse split / bought by another company?",
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{
"content": "GT BIOPHARMA, INC. ANNOUNCES REVERSE STOCK SPILT AS PART OF OXIS-GEORGETOWN PLANNED MERGER LOS ANGELES, CA / ACCESSWIRE / August 21, 2017 / GT Biopharma Inc. (formerly known a... |
[
{
"content": "Why does quantitative easing negatively affect stocks?",
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"content": "Can you isolate the market impact to just the Fed's quantitative easing? Can you rule out the future economic predictions of low growth and that there are reasons why the Fed has kept rates low an... |
[
{
"content": "How to calculate how much a large stock position is really worth?",
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{
"content": "Something like cost = a × avg_spreadb + c × volatilityd × (order_size/avg_volume)e. Different brokers have different formulas, and different trading patterns will have different coeffici... |
[
{
"content": "$700 guaranteed to not be touched for 15 years+, should I put it anywhere other than a savings account?",
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{
"content": "Well, I understand this forum is about money but I think you would be far better off if you invest the money in your daughters education or somethin... |
[
{
"content": "What are the implications of a corporate stock repurchase or share buyback program?",
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{
"content": "A board authorizes the repurchase of shares because they feel the stock in undervalued. The hope is that the stocks will rise either directly by their repurchase, or in... |
[
{
"content": "How much time should be spent on Penny Stocks Trading a day?",
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"content": "How long is a piece of string? This will depend on many variables. How many trades will you make in a day? What income would you be expecting to make? What expectancy do you need to achieve?... |
[
{
"content": "Is short selling a good hedging strategy during overzealous market conditions?",
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{
"content": "Short selling can be a good strategy to hedge, but you have almost unlimited downside. If a stock price skyrockets, you may be forced to cover your short by the brokerage b... |
[
{
"content": "How to decide on split between large/mid/small cap on 401(k) and how often rebalance",
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{
"content": "It's a trade-off. The answer depends on your risk tolerance. Seeking higher rewards demands higher risk. If you want advice, I would recommend hiring an expert to desi... |
[
{
"content": "Buying from an aggressive salesperson",
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{
"content": "I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same instrument. You could... |
[
{
"content": "What are some signs that the stock market might crash?",
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{
"content": "There are some economic signs as there are in all economic and business cycles, such as interest rates rising. However, a more effective way is to actually look at price action itself. The definiti... |
[
{
"content": "Recent college grad. Down payment on a house or car?",
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{
"content": "Buy a car. Unless you definitely know you are living in the area for a good long time, avoid buying a house and get a car instead.",
"role": "assistant"
}
] |
[
{
"content": "401k with paltry match or SPY ETF?",
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{
"content": "I think you understood much of what I say, in general. Unfortunately, I didn't follow Patches math. What I gleen from your summary is a 1% match to the 10% invested, but a .8% expense. The ETF VOO has a .05% annual f... |
[
{
"content": "What can I replace Microsoft Money with, now that MS has abandoned it?",
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},
{
"content": "hledger is a free software, cross-platform double-entry accounting tool I've been working on for a while. It has command-line and web-based interfaces to your local data, and some o... |
[
{
"content": "Why don't banks print their own paper money / bank notes?",
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{
"content": "Any person at any time may produce their own currency, one can even do so on the back of a paper napkin, ripped beer coaster or whatever. This is NOT a banking privilege, it is within the lawfu... |
[
{
"content": "Pros & cons in Hungary of investing retirement savings exclusively in silver? What better alternatives, given my concerns?",
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{
"content": "This sound like a very bad idea. If you invest exclusively in silver, your investment is not diversified in any way. This is what... |
[
{
"content": "Is there any circumstance in which it is necessary to mark extra payments on a loan as going to “principal and not interest”?",
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{
"content": "It could be a couple of things besides extra principal: I seem to remember hearing that some (shady?) lenders would just pocke... |
[
{
"content": "Automatic investments for cheap",
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},
{
"content": "For your purposes, I would recommend using direct investment in a no-load mutual fund. I mostly use Vanguard and would recommend them. They just about invented index funds, usually have the lowest (internal) expenses f... |
[
{
"content": "Do other countries have the equivalent of Australia's Negative Gearing?",
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{
"content": "In India, where I live, you can: In addition, housing loans are given priority status as well - bank capital requirements on housing loans is lower than for, say, a corporate loan ... |
[
{
"content": "Is it possible to influence a company's actions by buying stock?",
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{
"content": "Another form of 'shareholder' activism. You might be able to buy a single share, which it seems would cost around $35, attend the AGM, and ask questions and/or shout or sing and delay pro... |
[
{
"content": "Why might it be advisable to keep student debt vs. paying it off quickly?",
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{
"content": "Like all other loan-vs-savings questions, it depends on the terms of the loan. If you have a choice, the usual answer is to pay off the loan with the worst terms (which usually m... |
[
{
"content": "Should I sell my stocks when the stock hits a 52-week high in order to “Buy Low, Sell High”?",
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{
"content": "Though it seems unintuitive, you should rationally ignore the past performance of this stock (including the fact that it's at its 52-week high) and focus exclu... |
[
{
"content": "Why would this kind of penny stock increase so much in value?",
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{
"content": "Disregarding the particular example and focusing on the actual questions: YES, definitely, the whole concept of \"pump and dump scheme\" refers to the many cases when this was intentionally ... |
[
{
"content": "Price graphs: why not percent change?",
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{
"content": "The actual price is represented on charts and not the change in price as a percentage, because it is the actual price which is used in all other parts of analysis (both technical and fundamental), and it is the act... |
[
{
"content": "How much money should I put on a house?",
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{
"content": "Before doing anything else: you want a lawyer involved right from the beginning, to make sure that something reasonable happens with the house if one of you dies or leaves. Seriously, you'll both be safer and hap... |
[
{
"content": "Historical share price at exact day and time",
"role": "user"
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{
"content": "An alternative to paying thousands of dollars for historical prices by the minute: Subscribe to real time data for as low as USD$1.5/month from your broker, then browse the chart.",
"role": "assistant"
... |
[
{
"content": "High credit utilization, some high interest - but credit score not overly bad. How to attack debt in this situation?",
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{
"content": "You need to pay off the entire balance of 7450 as soon as possible. This should be your primary financial goal at this point above anyt... |
[
{
"content": "Why do credit cards require a minimum annual household income?",
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{
"content": "Here's one reason that's being overlooked in answers so far. (@ChrisInEdmonton, this is for your comment on @Chad's answer.) How do credit card companies make money? Sure, there's interest ... |
[
{
"content": "selling apple stock limit order",
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},
{
"content": "Your order may or may not be executed. The price of stock can open anywhere. Often yesterday's close is a good indication of today's open, but with a big event overnight, the open may be somewhere quite different. You... |
[
{
"content": "How do I get rid of worthless penny stocks if there is no volume (so market/limit orders don't work) and my broker won't buy them from me?",
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},
{
"content": "Merrill charges $500 flat fee to (I assume purchase) my untraded or worthless security. In my case, it's an OTC s... |
[
{
"content": "Why is day trading considered riskier than long-term trading?",
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},
{
"content": "In day trading, you're trying to predict the immediate fluctuations of an essentially random system. In long-term investing, you're trying to assess the strength of a company over a period ... |
[
{
"content": "Why would you elect to apply a refund to next year's tax bill?",
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},
{
"content": "The refund may offset your liability for the next year, especially if you are a Schedule \"C\" filer. By having your refund applied to the coming year's taxes you are building a 'protectio... |
[
{
"content": "Can individuals day-trade stocks using High-Frequency Trading (HFT)?",
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},
{
"content": "I just finished a high frequency trading project. Individuals can do it, but you need a lot of capital. You can get a managed server in Times Square for $1500/month, giving you access... |
[
{
"content": "Does the profit of a company directly affect its stock or indirectly by causing people to buy or sell?",
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{
"content": "people implicity agree to sell stocks when a company does bad But, remember, when you sell the stock of a company that, in your estimation, 'did bad'... |
[
{
"content": "Does a stock holder profit from a reverse-stock split?",
"role": "user"
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{
"content": "If I held stock in these companies yesterday, would I have profited by these gains? No. For DZSI, your 5 shares at $1.10 would now be 1 share at $5.50, so you would have the same total amount. Fo... |
[
{
"content": "How would bonds fare if interest rates rose?",
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{
"content": "1. Interest rates What you should know is that the longer the \"term\" of a bond fund, the more it will be affected by interest rates. So a short-term bond fund will not be subject to large gains or losses d... |
[
{
"content": "What implications does having the highest household debt to disposable income ratio have on Australia?",
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{
"content": "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.... |
[
{
"content": "why do I need an emergency fund if I already have investments?",
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{
"content": "Given that the 6 answers all advocate similar information, let me offer you the alternate scenario - You earn $60K and have an employer offering a 50% match on all deposits. All deposits. (... |
[
{
"content": "Is it a good practice to keep salary account and savings account separate?",
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},
{
"content": "I pretty much only use my checking. What's the downside? Checking accounts don't pay as much interest as savings account. Oh, but wait, interest rates have been zero for nearly ... |
[
{
"content": "Why does it seem unnecessary to fully save for irregular periodic expenses?",
"role": "user"
},
{
"content": "It totally depends on when your expenses hit and whether you might have a larger stock than necessary. If you run your projections against the monthly save and the intervals of... |
[
{
"content": "Why do some stocks have a higher margin requirement?",
"role": "user"
},
{
"content": "It is a question of how volatile the stock is perceived to be, its beta correlation to the S&P500 or other index. Margin requirements are derived from the Federal Reserve, Self Regulatory Organizatio... |
[
{
"content": "Do I have to pay taxes on income from my website or profits?",
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},
{
"content": "Being a tax professional, my understanding is that the threshold limit is a single limit for all your source(s) of income. Now many people who already draw salary which is liable to tax, deve... |
[
{
"content": "Is it better to buy US stocks on US stock exchanges as a European?",
"role": "user"
},
{
"content": "Liquidity on dual listed equities is rarely the same on both exchanges. More liquidity means you would typically get a better price assuming you execute the trades using the same order ... |
[
{
"content": "Why do governments borrow money instead of printing it?",
"role": "user"
},
{
"content": "“Why do governments borrow money instead of printing it? (When printing money, one doesn't need to pay interest).” Good question. Numerous leading economists, including a couple of economics Nob... |
[
{
"content": "how derivatives transfer risk from one entity to another",
"role": "user"
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{
"content": "The important thing to realize is, what would you do, if you didn't have the call? If you didn't have call options, but you wanted to have a position in that particular stock, you would have to a... |
[
{
"content": "Adding a 180 day expiration to checks",
"role": "user"
},
{
"content": "Your bank has discretion to honor checks after 6 months, so you should talk to your bank about their specific policy. In general, banks won't accept \"large\" stale checks. The meaning of \"large\" varies -- $25,00... |
[
{
"content": "Why might it be advisable to keep student debt vs. paying it off quickly?",
"role": "user"
},
{
"content": "Congratulations for achieving an important step in the road to financial freedom. Some view extending loan payment of loans that allow the deduction of interest as a good thing. ... |
[
{
"content": "Can a company block a specific person from buying its stock?",
"role": "user"
},
{
"content": "A more serious problem: how do you know who's really buying your stock? \"Shell companies\" are an increasingly obvious problem in corporate and tax accountability. There are jurisdictions wh... |
[
{
"content": "What are the pros and cons of buying an item on installments with zero percent interest?",
"role": "user"
},
{
"content": "I personally take the zero percent financing plans any day. I have done this with my car and the iphone 6s. The vendors are trying to make it more attractive for... |
[
{
"content": "why do energy stocks trade at lower prices compared to other sectors?",
"role": "user"
},
{
"content": "I don't know why stocks in some industries tend to have lower prices per share than others. It doesn't really matter much. Whether a company has 1,000,0000 shares selling for $100 ea... |
[
{
"content": "First Job, should I save or invest?",
"role": "user"
},
{
"content": "Congrats on your first real job! Save as much as your can while keeping yourself (relatively) comfortable. As to where to put your hard earned money, first establish why you want to save the money in the first place... |
[
{
"content": "Why is property investment good if properties de-valuate over time?",
"role": "user"
},
{
"content": "One reason for this is that many people don't simply allow their houses to rot and decay. If you're talking about a house built in 1980 and left vacant and unmaintained for 35 years, i... |
[
{
"content": "Why are index funds called index funds?",
"role": "user"
},
{
"content": "Because they track an index. Edited: The definition of the word in this case meaning \"something used or serving to point out; a sign, token, or indication\" from Meaning #3 I presume therefore you are asking wh... |
[
{
"content": "What does PMI mean?",
"role": "user"
},
{
"content": "Private Mortgage Insurance. It's money that you pay to an insurance company to make the lender whole in the event that you go into default. It's a real waste of money for you. If you are trying to finance more than 80% of the value ... |
[
{
"content": "How to distinguish gift from payment for the service?",
"role": "user"
},
{
"content": "Generally, a one time thing is considered a gift. For the donor this is obviously not a deductible expense, except for some specific cases (for example promotional gifts under $25 to vendors can be ... |
[
{
"content": "Recent college grad. Down payment on a house or car?",
"role": "user"
},
{
"content": "Given the state of the economy, and the potential of a rough near future for us recent grads (i.e. on/off work), I would recommend holding off on large purchases while your life is in flux. This inc... |
[
{
"content": "Comparing keeping old car vs. a new car lease",
"role": "user"
},
{
"content": "Look at the basic cost of the lease. Option 1: keep the car for three years. Pay for repairs during that time then sell it for $7,000. Option 2: Sell the current car for $10,000. Lease a new car for three ... |
[
{
"content": "How does giving to charity work?",
"role": "user"
},
{
"content": "For many people, giving to charity will have minimal effect on their taxes. Non-profits love to attract donations by saying the money is tax deductible, but for most people, it doesn't work out that way. You will only i... |
[
{
"content": "Why is routing number called ABA/ABN number?",
"role": "user"
},
{
"content": "With number of Banks increasing every country at some point in time adopted an Identification code. In US these are called ABA number because they are allocated by American Bankers Association, in UK Sort Co... |
[
{
"content": "How did I end up with a fraction of a share?",
"role": "user"
},
{
"content": "Theoretically, yes, you can only buy or sell whole shares (which is why you still have .16 shares in your account; you can't sell that fraction on the open market). This is especially true for voting stock; ... |
[
{
"content": "Why do financial institutions charge so much to convert currency?",
"role": "user"
},
{
"content": "Is there not some central service that tracks current currency rates that banks can use to get currency data? Sure. But this doesn't matter. All the central service can tell you is how... |
[
{
"content": "Is it a good investment for a foreigner to purchase a flat/apartment in China?",
"role": "user"
},
{
"content": "I think a greater problem would be the protection of your property right. China hasn't shown much respect for the property rights of its own citizens - moving people off su... |
[
{
"content": "What is needed to be a “broker”?",
"role": "user"
},
{
"content": "You must understand that: So, if you -- the prospective buyer -- are in Waukegan, do you take the train all the way to New York City just to buy 100 shares of stock? No. That would be absurdly expensive. So, you hire... |
[
{
"content": "How to calculate ownership for property with a partner",
"role": "user"
},
{
"content": "To add to ChrisInEdmonton's answer: Your conveyancing solicitor should be able to advise on the details, but a typical arrangement involves: As an alternative to the numbers in Chris' answer, it co... |
[
{
"content": "Digital envelope system: a modern take",
"role": "user"
},
{
"content": "If psychologically there is no difference to you between cash and debit (you should test this over a couple of months on yourself and spouse to make sure), then I suggest two debit cards (one for you and spouse) o... |
[
{
"content": "Long term investing alternative to mutual funds",
"role": "user"
},
{
"content": "You are not limited in these 3 choices. You can also invest in ETFs, which are similar to mutual funds, but traded like stocks. Usually (at least in Canada), MERs for ETFs are smaller than for mutual fund... |
[
{
"content": "Why do interest rates increase or decrease?",
"role": "user"
},
{
"content": "My answer is specific to the US because you mentioned the Federal Reserve, but a similar system is in place in most countries. Do interest rates increase based on what the market is doing, or do they solely i... |
[
{
"content": "Value of put if underlying stays below strike?",
"role": "user"
},
{
"content": "The value at expiration does not depend on the price path for a plain vanilla European or American option. At expiration, the value would simply be: max[K - S_T, 0], where: K is the strike price, and S_T i... |
[
{
"content": "For the first time in my life, I'm going to be making real money…what should I do with it?",
"role": "user"
},
{
"content": "On the one hand, it's a great idea to open a Roth IRA now, once you've got the cash to contribute. It's a tax designation sounds like it would fit your meager ea... |
[
{
"content": "Why don't market indexes use aggregate market capitalization?",
"role": "user"
},
{
"content": "They do but you're missing some calculations needed to gain an understanding. Intro To Stock Index Weighting Methods notes in part: Market cap is the most common weighting method used by an ... |
[
{
"content": "I file 83(b) election, but did't include a copy of it in that year’s tax return",
"role": "user"
},
{
"content": "I've consulted with 5-6 accountants and people who've had the issue before. The advice I received boils down to: \"If you do not attach your 83b with your personal tax retu... |
[
{
"content": "What one bit of financial advice do you wish you could've given yourself five years ago?",
"role": "user"
},
{
"content": "I wish I had started contributing to the pension fund offered by my employer sooner than it became compulsory. That is, I started working when I was 23 but did not... |
[
{
"content": "What is a Discount Called in the Context of a Negative Interest Rate?",
"role": "user"
},
{
"content": "Negative Yields on Bonds is opposite of Getting profit on your investment. This is some kind of new practice from world wide financial institute. the interest rate is -0.05% for ten... |
[
{
"content": "Where should I invest to hedge against the stock market going down?",
"role": "user"
},
{
"content": "There are multiple ETFs which inversely track the common indices, though many of these are leveraged. For example, SDS tracks approximately -200% of the S&P 500. (Note: due to how th... |
[
{
"content": "What happens to the insider trade profits?",
"role": "user"
},
{
"content": "You seem to have a little confusion over terminology that should be cleared up: You are calling this \"day-trading\" Day-trading is the term for performing multiple trading actions in a single day. While it ap... |
[
{
"content": "Is CLM a stock or an ETF?",
"role": "user"
},
{
"content": "Cornerstone Strategic Value Fund, Inc. is a diversified, closed-end management investment company. It was incorporated in Maryland on May 1, 1987 and commenced investment operations on June 30, 1987. The Fund’s shares of Commo... |
[
{
"content": "Ways to establish credit history for international student",
"role": "user"
},
{
"content": "I think you should try to talk with the credit union at your campus first, they may have offer you a credit card even you don't have any credit history.",
"role": "assistant"
}
] |
[
{
"content": "Do I have to pay a capital gains tax if I rebuy the same stock within 30 days?",
"role": "user"
},
{
"content": "Yes. Wash rules are only for losses.",
"role": "assistant"
}
] |
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