Datasets:
mlfoundations-dev
/
stackoverflow_money

Dataset card Data Studio Files
xet
 Community
instruction
stringlengths
15
21.6k
If I sell you a house in Denver, it involves agents; if I sell you a house overseas you could say "oh it still just involves agents" but obviously there's more rigmarole - more agents, more transactions. > International wire transfers typically involve multiple banking systems and operators between the two countries...
I've been reading that there is an inverse relationship between fixed-rate bonds and interest rate. The explanation behind the reasoning is that as interest rates move, the bond has to compete with new bonds so the price of the bond syncs up the bond's yield with the current interest rate. I found this doc from sec.gov...
> Why has no such method been implemented? Checks aren't always deposited/cashed in a timely fashion. Also, a single account can have multiple checkbooks, and therefore there's no requirement that they be used in strict order. Ordering is used to some extent by banks to catch fraud already, but I don't see how your ...
> Why has no such method been implemented? Checks aren't always deposited/cashed in a timely fashion. Also, a single account can have multiple checkbooks, and therefore there's no requirement that they be used in strict order. Ordering is used to some extent by banks to catch fraud already, but I don't see how your ...
If I sell you a house in Denver, it involves agents; if I sell you a house overseas you could say "oh it still just involves agents" but obviously there's more rigmarole - more agents, more transactions. > International wire transfers typically involve multiple banking systems and operators between the two countries...
> make cheque numbers sequential but pseudorandom How would this make it more secure? You've still got the same problem. An attacker can reverse your pseudorandomness and now you're back to where we started from. Except now checks are more complicated, cost more, and provide a false sense of security. > This w...
> Why has no such method been implemented? Checks aren't always deposited/cashed in a timely fashion. Also, a single account can have multiple checkbooks, and therefore there's no requirement that they be used in strict order. Ordering is used to some extent by banks to catch fraud already, but I don't see how your ...
This is something about this field I'm trying to understand. Whenever I talk to a regular person who managed to save up and buy an apartment building or a duplex or something like that for rental income, they always say it's a lot of trouble and isn't a reliable profit and so on. But then you have people who just ke...
I'm very new in accounting and currently reading about the financial statement facing a point that got me stuck. Why is it necessary to construct financial statement on accrual basis rather then cash basis?
It seems that sometimes I may get desensitized by looking at operating margin if it is 35% vs 50%, I may think it is "no big deal", but it seems: Sold item at COGS and expenses Operating Margin Net Income before tax ------------ ----------------- ---------------- --------------------- ...
How to interpret operating margin when we invest in companies?
It seems that sometimes I may get desensitized by looking at operating margin if it is 35% vs 50%, I may think it is "no big deal", but it seems: Sold item at COGS and expenses Operating Margin Net Income before tax ------------ ----------------- ---------------- --------------------- ...
All [OECD countries](https://www.oecd.org/tax/consumption/consumption-tax-trends-australia.pdf) have a broadly based consumption tax of varying rates: [![enter image description here][1]][1] They go under different names, for example, in Australia it's the 'Goods and Services Tax (GST)', and in Denmark it's the '...
How do you pay other countries' sales taxes when selling internationally?
[Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)](https://investor.vanguard.com/mutual-funds/profile/VTSMX)'s expense ratio is 0.14% whereas [VTI](https://investor.vanguard.com/etf/profile/vti), its equivalent ETF, has an expense ratio of 0.03%. Why is the expense ratio of an index fund sometimes higher ...
Why is the expense ratio of an index fund sometimes higher than its equivalent ETF?
I tried to figure this out but can't seem to do it. Here's my thinking: income:eBay - €10 from eBay (true) Then this money goes to: bank:PayPal €9.75 expenses:PayPal fees €0.25 Then the PayPal account shows as if it only receives €9.75, but in reality it receives €10 and then it takes away ...
How to classify eBay sales and PayPal income on GNUcash properly?
I work as a freelance (sole-trader) doing web-related services. I have a potential client who is based in the Dominican Republic, but I am not entirely sure what I should bear in mind regarding tax-related stuff as my clients are all of them based on the UK and EU. Shall I add VAT, or any other important thing I have t...
> Shall I add VAT, No, why would you? VAT is a EU concept and a consumer tax for EU residents (ignoring details because they are irrelevant for the question). Last time I checked the Dominican Republic is not in the EU - so VAT does not apply. YOu essentially are exporting out of VAT territory. This is not subjec...
> Can my bank really not block an account from sending me money? The banking system isn't setup to reject deposits. Anybody can make a deposit into a bank account. The protections are designed to limit the ability to remove funds from an account. > What are my options? You could close the account and open a ne...
I came pretty near this situation, but luckily I had an extra debit card (although I would've preferred to use my credit card). I was at a vet to prepare my pet for a surgical procedure, and they usually don't charge until the services have been completed. I told them that I could give them the card number as I h...
What would most likely happen if you owed money to a business upon completion of a service but realised that you don't have a way to pay?
If it's an IRA with RMD restrictions then you'll have to follow distribution guidelines, if any, for those accounts. For unrestricted accounts, the answer might depend on who the executor of the estate is, if he is being paid for his time, how many beneficiaries there are, and how much time and effort does it take ...
How do stockbrokers in the U.S. manage to be so cheap? In Germany, I know a few brokers but at most of them, the cost of an order is over 5€ (approx. 6$) every time. In the states, you have brokers like M1 Finance where they invest your money from dividends automatically and with zero commission. As they need to pay ...
How can stockbrokers be so cheap in the U.S.?
>Why are cheques so insecure? Short answer: because banks bear risk of check fraud, and any wholesale change in the check payment system is very complicated and expensive. Instead they work to reduce the use of checks by introducing novel electronic payment systems and take what steps they can to mitigate check...
It doesn't matter if your form of payment was lost, stolen, forgotten at home, or borrowed temporarily by a family member; that is your problem not theirs. You requested services and they delivered on the expectation of payment upon completion. Communicate with the business's representative; whether it's the owner, man...
>Why are cheques so insecure? Short answer: because banks bear risk of check fraud, and any wholesale change in the check payment system is very complicated and expensive. Instead they work to reduce the use of checks by introducing novel electronic payment systems and take what steps they can to mitigate check...
It doesn't matter if your form of payment was lost, stolen, temporarily misplaced, forgotten at home, or borrowed temporarily by a family member; that is your problem not theirs. You requested services and they delivered on the expectation of payment upon completion. Communicate with the business's representative; whet...
>Why would anyone sell the bond at $925? Why does anyone sell a stock that's gone down? Or bitcoin? Or gold? Because _they think the price could go down even more_. Or, because they want to cut their losses or move to some other investment, or (make up some other reason). So you could sell the bond for $975 (for...
It doesn't matter if your form of payment was lost, stolen, declined, temporarily misplaced, forgotten at home, or borrowed temporarily by a family member; that is your problem not theirs. You requested services and they delivered on the expectation of payment upon completion. Communicate with the business's representa...
**Because you're looking at it from the consumer's perspective, not the investor's** > Why would anyone sell the bond at $925? Aren't they losing both $75 that they paid originally for the bond AND the interest payments over the next couple of years on the bond? Because they can lend out the money at a higher rat...
>Why would anyone sell the bond at $925? Why does anyone sell a stock that's gone down? Or bitcoin? Or gold? Because _they think the price could go down even more_. Or, because they want to cut their losses or move to some other investment, or (make up some other reason). So you could sell the bond for $925 (for...
Can I sell the stocks acquired through call to open option in any quantity and at any time or do I have to sell through (put) options only? Also, are stocks purchased through option eligible for dividends and splits?
> Why has no such method been implemented? Checks aren't always deposited/cashed in a timely fashion. Also, a single account can have multiple checkbooks, and therefore there's no requirement that they be used in strict order. Ordering is used to some extent by banks to catch fraud already, but I don't see how your ...
Adding onto base64's excellent answer, an ETF also avoids some of the liquidity costs incurred by open end funds. Since only [authorized participants][1] may trade shares directly with a fund, and only in large blocks, the fund manager does not need to worry about buying/selling shares to service individual account hol...
What is the difference between vwagy and vwapy they are unsponsored adr's but can find information what is the difference?
I have a 16,000.00 loan at 6.49% if I pay 6,000.00 on the principal will it lower my payment ?Will it reduce interest each month and reflect on my payment?
does paying down principal change monthly payments?
I have a 16,000.00 loan at 6.49%. If I pay 6,000.00 on the principal, will it lower my payment? Will it reduce interest each month and reflect on my payment?
Several [timeshares][1] [are][2] [listed][3] for $1 on eBay. Some companies offer a [deed-back][4] program, which lets owners who have paid off their timeshare simply return the time-share to the timeshare company. Is it possible to buy one of the $1 timeshares, go on vacation and then deed it back without incurrin...
In the [instructions][1] for Form 8962 (Premium Tax Credit), it says: > If no APTC was paid for your coverage, Form 1095-A, Part III, column B, may be wrong or blank or may report your applicable SLCSP premium as -0-. My form has it reported as 0. Healthcare.gov provides a [tool][2] to lookup your SLCSP in that c...
Why is the second lowest cost silver plan (SLCSP) premium reported as $0 when no advance premium tax credit (APTC) was taken?
Can I sell the stocks acquired through call to open option in any quantity and at any time or do I have to sell through (put) options only?
Several [timeshares][1] [are][2] [listed][3] for $1 on eBay. Some companies offer a [deed-back][4] program, which lets owners who have paid off their timeshare simply return the time-share to the timeshare company. Is it possible to buy one of the $1 timeshares, go on vacation and then deed it back without incurrin...
A lot of charities that I want to help support only traditional online payments system, such as GoFundMe, GoGetFunding, JustGiving, Patreon, Paypal, Payroll Giving, Stripe, ... Is there a way to anonymously donate cryptocurrency to them? Something like a payment gateway that would donate on behalf of me after I send...
How to anonymously donate cryptocurrency to charities which only support traditional online payments platform?
The short answer is ... that depends. When you say you "realize you have no way to pay", do you mean that you forgot to bring your credit card? Or that you don't have enough money to your name? And what kind of service? If it's a matter of, "Oops, I didn't bring enough cash" or "I forgot my credit card", and t...
It's not "necessary" to use accrual. It's just an option. Unless someone -- a government agency or whomever -- is telling you that you have to. In the United States, when you pay federal taxes, you can choose to do it based on cash accounting or accrual accounting. There are limits on how often you can switch. (I presu...
This [answer](https://money.stackexchange.com/a/135095/5656) by [base64](https://money.stackexchange.com/users/24920/base64) mentions: > Now you may ask why VTI is 0.03% while VTSAX 0.04%. That is because Vanguard of VTSAX provides service, while the service of VTI is provided by your broker. I don't see what kin...
What kind of services do mutual funds offer that ETFs don't?
To answer your title question "Would using TD Ameritrade to manage Roth IRA contributions indirectly support new fossil fuel infrastructure?", the answer is simply "yes." TD Ameritrade facilitates the buying and selling of stocks. Those stocks directly contribute capitol to their respective companies. Many of the ...
Why do some small-time real-estate owners struggle while others thrive?
When you invest in a traditional mutual fund, you generally have an account with the mutual fund company directly. Your money goes straight to them, they send you statements, you log in directly to their website, etc. If you interact with a broker at all (not required), the broker is simply acting as a sales person for...
When you invest in a traditional mutual fund, you generally have an account with the mutual fund company directly. Your money goes straight to them, they send you statements, you log in directly to their website, etc. If you interact with a broker at all (not required), the broker is simply acting as a sales person for...
When you invest in a traditional (not exchange traded) mutual fund, you generally have an account with the mutual fund company directly. Your money goes straight to them, they send you statements, you log in directly to their website, etc. If you interact with a broker at all (not required), the broker is simply acting...
Comparing the WTI Crude Oil spot prices of the last five years [![enter image description here][1]][1] with WTI Futures prices for Nov'2020 over time, it seems that they mostly follow the current price. This seems to enable one to lock in the current price for future trades, but it that like with the weather, t...
Do futures markets have any predictive potential?
I hope someone can help me with this question. I recently found two stock certificates one that is for one share of Sony under my husband's name and the other one is for Disney under my daughter's name and I'm the custodian for that share. These shares where bought when the company oneshare.com was still around and n...
Let's suppose that I am out of the USA from January 1st 2020 to December 31st 2020 for 335 days of the year. So I do qualify, but instead of the full ~100k reduction, would I only get (335/365) * 100k = ~91K deduction?
Is the FEIE tax reduction, based on Physical Presence Test, prorated based on how many days you were outside of the country in the year?
> So I do qualify, Sadly no ! > but instead of the full ~100k reduction, would I only get (335/365) * 100k = ~91K deduction? Sadly no. It is a "BINARY" thing - yes or no only. No partial!
I hope someone can help me with this question. I recently found two stock certificates, one share of Sony under my husband's name, and the other one is Disney under my daughter's name (I'm the custodian). These shares where bought when the company oneshare.com was still around, but they no longer exist. Can someon...
I hope someone can help me with this question. I recently found two stock certificates, one share of Sony under my husband's name and the other one is Disney under my daughter's name (I'm the custodian). These shares where bought when the company oneshare.com was still around, but they no longer exist. Can someone...
Say I own an in-the-money call option that I want to sell for profit. I learned that higher volatility leads to an increase in the "price" of a call option in order to compensate for uncertainty, but is this the bid or ask price? Per my example, I would think that higher volatility would make a market-maker buying pric...
>Why are cheques so insecure? Short answer: because banks bear the risk of check fraud, and any wholesale change in the check payment system is very complicated and expensive. Instead they work to reduce the use of checks by introducing novel electronic payment systems and take what steps they can to mitigate c...
Many people online advice to invest money in s&p 500 index and others because they always grow in long-term. Can it hypothetically happen that s&p 500 falls to its early 1990s level? What situation can cause that? Should I be afraid of it if I do long-term investment (15-20 years and more) or in such a situation I lo...
Can it hypothetically happen that s&p 500 falls to its early 1990s level? Risks of long-term investment
A $1 timeshare is like a $1 cell phone. - The $1 is a distraction from the real issue: **You are signing a *contract* which obliges you much to much more than $1!** Think of it more like $1 down on a used car. You are buying a condo, albeit a fraction of it. With its own maintenance requirements and a signif...
Yes. Period. There is no possible other answer because you say "hypothetically". Hypothetically it is POSSIBLE it goes to 0. Possible is not likely. You formulated the question in a way that has only one valid answer. > What situation can cause that? How long you want the list to be? From "asteroid impact" to "re...
Many people advise that one should invest money in indexes like the S&P 500 because they always grow in the long term. Is it possible that the S&P 500 could fall to its early 1990s level? What situation could cause that? Should I be afraid making a long-term investment (15-20 years and more)?
This [answer](https://money.stackexchange.com/a/135095/5656) by [base64](https://money.stackexchange.com/users/24920/base64) mentions: > Now you may ask why VTI is 0.03% while VTSAX 0.04%. That is because Vanguard of VTSAX provides service, while the service of VTI is provided by your broker. I don't see what kin...
What kind of services do mutual funds offer that their equivalent ETFs don't?
Okay so I day trade options and understand washsales at the end of the year can really screw you. So any company I traded in the last 40 days of 2020 I have not yet traded in 2021 in either my day trading account or long term. But I got my consolidated 1099 this week and its showing I have ALOT of washsales that its re...
I day trade options and I understand that wash sales at the end of the year can really screw you. I have not traded any position in 2021 that I traded in the last 40 days of 2020 in either my day trading or long term account. However, I got my consolidated 1099 this week and it shows that I have a LOT of wash ...
Yes: > Your contributions _plus your employer's contributions_ cannot exceed your available RRSP room as reported on your notice of assessment for the previous year. (Source: https://www.moneysense.ca/columns/group-rrsp-at-work/, emphasis added) But why? When an employer makes an RRSP contribution on your beha...
In the instructions for IRS Form 8949, it lists out a table of codes that you can put on the form. For the main home sale exclusion, the code is "H". It further explains: "Report the sale or exchange on Form 8949 as you would if you were not taking the exclusion. Then enter the amount of excluded (nontaxable) gain a...
Any good Spreadsheets or explanation that track compound profit for stocks with time considered? I am trying to journal my stock trades and set some goals. We know compound interest is powerful. I want to use that and target 15% on stocks over x time. Reinvest that and keep hitting 15% targets. Example by 1000 share...
I moved in the middle of the year. I made capital gains from stock sale while living in NYC and then had capital loss from stock sale after I moved to NJ. Usually I could offset capital gains with capital losses but given I moved, do I still need to pay capital gains tax to New York given there was no loss during my NY...
Will capital gains from one state offset capital losses from another state?
I understand that: - A Roth 401(k) may be rolled over to a Roth IRA if older than 59.5-year-old or if leaving one's job. - It is possible to do in-service distributions from an after-tax 401(k) to a Roth IRA or Roth 401(k) when employed, [if the employer's retirement plan allows it](https://money.stackexchange.co...
Can a Roth 401(k) be transferred somehow to a Roth IRA if younger than 59.5-year-old and not leaving one's job?
Jurisdiction Australia, but could apply globally for all I know. Looking at major bank websites, their EFTPOS contracts mention nothing about transaction fees being different for small amounts than large amount - it's a flat percentage (about 1.5% merchant fee). Why then do they feel they can add add 20-30 cents ...
Why do small merchants charge an extra 30 cents for small amounts paid by credit card?
Is it POSSIBLE? Of course. It's possible that aliens will invade tomorrow. It's even possible that a politician will tell the truth some day. Is it LIKELY that the S&P will plummet to 1990s levels? Not very. In 1990 the S&P was running at around 340. Today it is around 3,800. Could it fall by 90% in the new few wee...
There’s no single answer. Find out the amount of taxes, and the interest rate you would pay for a car loan. Compare the final charges. It depends on the state and your lender, so the question itself is a bit abstract. Or you’re asking whether it is possible in principle? Then YES, there are cases, when the loan is mor...
this is a UK-based question. I understand that there are certain purchases that you can make using the revenue of your limited liability company, and this is beneficial as you are using money that has not been taxed by corporation tax. However, after my company (of which I am the sole director and sole employee)...
UK - Can I buy things for myself through my company?
Let's try to make a realistic and practical answer without invoking extreme theoretical hypotheticals. Let us address the three sentences in the question: > Many people advise that one should invest money in indexes like the S&P 500 because they **always** grow in the long term. Any people who *literally* said...
I'm gonna give a second answer, a direct and specific answer to the **sense of the actual headline question**: [![enter image description here][1]][1] > Can it happen that s&p 500 falls to its early 1990s level? Answer, # No, pullbacks are typically **half** the runup. If the pullback comes tomorrow,...
Let's try to make a realistic and practical answer without invoking extreme hypotheticals. Let us address the three sentences in the question: > Many people advise that one should invest money in indexes like the S&P 500 because they **always** grow in the long term. Any people who *literally* said that are fo...
I'm gonna give a second answer, a direct and specific answer to the **sense of the actual headline question**: [![enter image description here][1]][1] # "Will the S&P fall to early 1990s levels?" Answer, # No, pullbacks are typically **half** the runup. If the pullback comes tomorrow, the S&P **will ...
Let's try to make a realistic and practical answer without invoking extreme hypotheticals. Let us address the three sentences in the question: > Many people advise that one should invest money in indexes like the S&P 500 because they **always** grow in the long term. Any people who *literally* said that are fo...
Let's try to make a realistic and practical answer without invoking extreme hypotheticals. Let us address the three sentences in the question: > Many people advise that one should invest money in indexes like the S&P 500 because they **always** grow in the long term. Any people who *literally* said that are fo...
If I purchase a stock/option, sell it for a loss, and then repurchase the same stock/option in multiple accounts, does the wash rule apply to the first repurchase? I think my understanding of options are that they are all considered the same for wash rule purchases, so let's assume the calls are for the same strike pri...
If I purchase a stock/option, sell it for a loss, and then repurchase the same stock/option in multiple accounts, does the wash rule apply to the first repurchase? I think my understanding of options are that they are all considered the same for wash rule purchases, so let's assume the calls are for the same strike pri...
Would like to discuss my financial condition here so that you guys can share your thoughts. TLDR :) In 2016 I have purchased a small piece of land (31*40 ----> 138 square yards - corner plot) in a gated community in Medchal - Hyderabad for 11,00,000 INR. Now its value has more than doubled due to the fact that it is...
Would like to discuss my financial condition here so that you guys can share your thoughts. TLDR :) In 2016 I have purchased a small piece of land (31*40 ----> 138 square yards - corner plot) in a gated community in Medchal - Hyderabad for 11,00,000 INR. Now its value has more than doubled due to the fact that it is...
Would like to discuss my financial condition here so that you guys can share your thoughts. TLDR :) In 2016 I have purchased a small piece of land (31*40 ----> 138 square yards - corner plot) in a gated community in Medchal - Hyderabad for 11,00,000 INR. Now its value has more than doubled due to the fact that it is...