instruction stringlengths 15 21.6k |
|---|
I've recently decided I wanted to track my investments over time so that I could accurately determine really cool financial things like:
- My actual asset allocation
- My actual rate of return over time
I had a couple goals for doing this:
1. If I know my CURRENT asset allocation, I can determine what steps I... |
What is most time-efficient way to track portfolio asset allocation? |
what book or source of information will be ideal to build a business from tax money? |
I've recently decided I wanted to track my investments over time so that I could accurately determine really cool financial things like:
- My actual asset allocation
- My actual rate of return over time
I had a couple goals for doing this:
1. If I know my CURRENT asset allocation, I can determine what steps I... |
What book or source of information can help me build a business from tax money? |
i feel that my new accountant has dropped the ball. in doing my taxes he failed to get me and my wife the new home tax credit.
in lookign into it those who never owned a home were to get 8k back and those who did were to get 6.5k back for buying a home.
we got nothing and our tax credit was rejected by the irs. ... |
i didnt get my housing tax credit yet, should io worry? what to do? |
I feel that my new accountant has dropped the ball. In doing my taxes, he failed to get me and my wife the new home tax credit.
In looking into it, those who never owned a home were to get $8k back and those who did were to get $6.5k back for buying a home.
We got nothing and our tax credit was rejected by the I... |
First-Time Homebuyer Credit: Did not get my housing tax credit yet. What should I do? |
Does my company's 401k plan provider matter to me? |
I am considering shopping for a house somewhere this year, which of course would involve shopping for a mortgage. And mortgage rates depend on the credit score. My credit history is clean from trouble, but short - which puts my score in the "OK, but not great" range (different agencies give varying numbers, from 711 on... |
Should I try to optimize my credit score before applying for a loan? |
To me, this question is really about setting and meeting goals. The process is the same, whether it's about exercising regularly, or saving, or whatever. You need to have clear, personally-relevant reasons for doing something.
Write down:
1. **Exactly why you want to save**. It may seem trivial, but if you can't... |
I want to invest money in any one of them but want to know which one is better? |
What is the difference between PPF and NSC ? and which one is better than other ? |
I'm a computer programmer who got in early it a successful internet company.
My business is entering a transition period and I'm not sure if I'll be making the same income for much longer. I'd say I have a 70% chance of my continuing business going well. If not, then I'd like to take my savings and opt for an early... |
Are investment companies safe for investing a large sum of money? |
What is the difference between PPF and NSC ? and which one is better than other ? This is in India. |
I want to invest money in either a PPF or NSC savings scheme, but which one is better? |
What is the difference between PPF and NSC saving schemes? Which is better? [India] |
I want to invest money in either a PPF (Public Provident Fund) or NSC (National Savings Certificate) scheme, but which one is better? |
I have an LLC that I set up but at the time it was created, the business did not have any employees (this is for consulting work I am doing). So I now have an EIN for this LLC but during the IRS interview I specifically said there would not be any employees for this company. Now I am planning on hiring my wife as an ... |
Do I need a new EIN since I am hiring employees for my LLC? |
If i buy book from online shopping site via my Credit Card. How can retailer get money from my Credit Card? What in place to ensure the retailer get exact amount of money i should pay for, no less no more? Is it a risk to tell someone my Credit Card number for them to be able to charge me like we fill Credit Card numbe... |
How does Credit Card payment work? |
Using a cash budget, say we save $100 for household items.
Typically, we would withdraw $100 from the ATM, put it in an envelope, and then later, go to home depot or walmart or wherever and buy an item for $20.
Now I want to buy one item from Amazon.com (or anywhere online).
What is the best way to handle t... |
How to use a cash budget and buy items online? |
I have reached retirement age and have a variable annuity with Hartford. I would like to get out of the annuity and roll over into a bank account IRA. I have held the product for 12 years and there is no penalty for withdrawal. Can I do this? |
*I think I know the answer to this, but I'm not sure, and it's a good question, so I'll ask:*
**What is the accepted/proper way to correct a mistake made on a check?**
For instance, I imagine that in any given January, some people accidentally date a check in the previous year.
Is there a way to correct such a... |
How to correct a mistake made when writing a check? |
At retirement age, can I roll my IRA variable annuity into a bank IRA? |
If I buy book from an online shopping site via my credit card, how can the retailer get money from my credit card? What is in place to ensure the retailer gets the exact amount of money I should pay, no less no more? Is it a risk to tell someone my credit card number for them to be able to charge me, like when we fill ... |
How do credit card payments work? What ensures the retailer charges the right amount? |
I can only give you advice on what I would do if I was in this situation:
1. As mbbhunter mentions above, the first question you have to ask yourself is how much time do you want to spend to manage your money? The more money you have, the more money you can possibly make by becoming educated in investing (e.g. if y... |
What is the difference between PPF and NSC saving schemes? Which is better? |
What is the difference between PPF and NSC saving schemes? |
I received a 1099-G Tax Document in the mail today. Is there a way to determine why I got this and what it is related to? |
1099-G Tax Document? What? Why? |
You got a refund last year right? I believe your 1099-G is probably the income from that. The **G** is *government* income. |
Abstract
----------
This turned out be **a lot** longer than I expected. So, here's the overview.
Despite the presence of asset allocation calculators and what not, this is a subjective matter. Only you know how much risk you are willing to take. You seem to be aware of one rule of thumb, namely that with a l... |
How can I determine why I received a Form 1099-G? |
I'm **still** (one year later) going through an exercise to restructure my retirement portfolio.
To date, I've been using a mix of exchange-traded index funds. Some trade on the TSX, and others trade in the U.S. However, my choices have been somewhat **ad-hoc**, and one of my New Year's resolutions (again!) is to ... |
What low-fee & liquid index funds/ETFs should I consider holding in a retirement portfolio? |
What low-fee & liquid exchange-traded index funds / ETFs should I consider holding in a retirement portfolio? |
I'm **still** (one year later) going through an exercise to restructure my retirement portfolio.
To date, I've been using a mix of exchange-traded index funds. Some trade on the TSX, and others trade in the U.S. However, my choices have been somewhat **ad-hoc**, and one of my New Year's resolutions (again!) is to ... |
One often repeated piece of financial advice is to work to minimize your expense ratios in your mutual funds in order to maximize your returns.
While it is often straightforward to determine the expense ratio fee listed on a mutual fund, how can I get an apples to apples comparison between two stock funds to determi... |
How to quantify differences in return with low expense ratio vs high expense ratio mutual funds? |
I am a student on a F1 Visa in the US and would like to apply for personal student loans from Banks like Chase, Sallie Mae.
Being a non US Citizen and on a student Visa, I am unauthorized to work, and thus obtain a SSN.
These banks want any kind of a Government issued Identification Number from me and after discu... |
I'm Self-employed in the US. 2010 was a good year, and I am facing a big income tax bill. Will owe $18-20k in April. I can reduce that significantly if I max out my solo 401k at $45k. Haven't made any retm't contribs for 2010 yet.
I won't generate enough cash to both make the contrib and pay the taxman by April.
... |
Best way to fund solo 401k account in cash crunch? |
I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into savings) and I would like to take the extra money and invest it.
What would you suggest are the best options for me t... |
I don't have much credit because I am young but I did recently purchase a car which I am paying +12% on. This seems ridiculously high to me and I was thinking about pulling out some of my stocks to pay for a chunk of the car. Will this conflict with my goal to build some credit? |
Will paying off my car early hinder my ability to build credit? |
I vote on Plan C. Why pay taxes?
In an emergency situation, you could always borrow from the 401k. |
I will be purchasing a new car fairly soon here, and could help my SO out a lot by having her "take over" payments on my current car. I've heard this term colloquially, but I'm not sure how it works in practice. Is it a matter of approaching the lienholder (a bank) and having the leasee information changed? Or is this ... |
How does "taking over payments" work? |
Is it safe? No in general.
Are there any other safe "paper" ways to invest money let's say for 30 years and be sure nothing will happen to them and you will end your life without relying on pension? No.
In these times only real properly gives you some sort of warranty in 5-30 years term. Land, buildings, production... |
Besides [Yahoo Finance][1], is there any site where I can obtain history chart of currency exchange, for cross comparison purpose?
As I realize British Pound against my country currency is the lowest since 1999, am planning to take this advantage to invest in London Stock Exchange.
[1]: http://finance.yahoo.... |
Sites to obtain historical chart of currency exchange rates? |
Besides [Yahoo Finance][1], is there any site where I can obtain history chart of currency exchange, for cross comparison purpose?
(As I realize British Pound against my country currency is the lowest since 1999, I am planning to take this advantage to invest on the London Stock Exchange.)
[1]: http://financ... |
I keep hearing people talking about asset protection, and that in any serious business venture you're bound to get sued. Due to limited resources, people are bound to delay their protection strategies until it is too late. My question is, at what point should someone start investing some of their resources towards prot... |
Asset protection, at what point should an individual seriously consider shielding their assets? |
One often repeated piece of financial advice is to work to minimize your expense ratios in your mutual funds in order to maximize your returns.
While it is often straightforward to determine the expense ratio fee listed on a mutual fund, how can I get an apples to apples comparison between two stock funds to determi... |
Asset protection: When should an individual seriously consider shielding their assets? |
I don't have much credit because I am young but I did recently purchase a car which I am paying 9% on. This seems ridiculously high to me and I was thinking about pulling out some of my stocks to pay for a chunk of the car. Will this conflict with my goal to build some credit?
**Edit:** I'm sorry, I have no idea why... |
Is a cheap online defensive driving course worth the money? |
Sounds like you've got a good approach on the cost/benefit calculation and just lack one of the variables.
My own findings are confirming that information on *specific* insurance company defensive driving discounts aren't generally disclosed, and discounts aren't consistent across companies. Some insurance company ... |
Is a defensive driving course worth the money? How much is a typical insurance discount? |
I'm thinking of refinancing my mortgage. I called my current lender, and was given a quote for a refinance with a lower interest rate, and $1200 in closing costs. Now I'm trying to shop around for other offers. I called Quicken Loans, and they didn't want to even give me any quotes that included closing costs without r... |
Credit check for refinance inquiry? |
Working but still in college, worth investing? |
I've heard of umbrella policies before and I've seen some questions about them on the site, but I don't know how many assets you need before an umbrella policy is worth it. Does $50K of assets warrant an umbella policy? $100k? $10k? Does it matter if your assets are 401k or primary residence?
Related: http://mon... |
How many assets do you need before you should buy an umbrella insurance policy? |
or in other words who does the head of FED report to?
and the second question:
Is the Federal Reserve a private institution?
I'm going to be a bit naive here, have just read about how the FED has been brought to life and can hardly believe that it did manage to survive for almost a century(!)
Have already chec... |
How much control over Federal Reserve does the US Government have? |
I've spent considerable time in the last year building a portfolio for my business. This time was donated to clients, for my benefit, and theirs.
There is a large opportunity cost lost. I could work full time, hire contractors to do the work, then write off the fee for the contractors. If I started a second busin... |
Can you write off time like you can money? |
No, you cannot write off your time. Only money or goods are eligible for donation.<sup>[1][1] and [2][2]</sup>
[1]: http://www.junewalkeronline.com/index.asp?sPG=50
[2]: http://auctions.org/what-can-i-deduct-when-i-donate-my-time-services-to-charity/2093/ |
What are the closing costs and total fees for the second loan? At £30/month savings, how many months until you "save" the same amount as the closing fees? (If any)
You will get a much better rate, but you will be adding 2 years to your total payback period for the sum or money you originally borrowed. Do you want... |
I'm going to be looking for a used car here from a dealer, and I'd like to be as informed as possible when entering negotiations. A dealer has the car I want, used (looks like it was brought back from a lease), and I'm wondering how to estimate what they have invested in it. Is there a guideline for this, or any insigh... |
What's the average margin on a used vehicle from a dealer? |
I recently paid off a balance transfer and then this thought occurred to me. Let's say you have $3000 of debt outstanding on a credit card. The goal is not to pay interest while you work to save the $3000 to pay the debt off.
Is it possible to continue to transfer that debt around to different credit cards in order ... |
I do a ton of freelance web design and decided to setup a simple LLC so I could have a credit card to make business purchases with. From my limited understanding, I can choose to be taxed as an S-corp or a C-corp. I believe that as an S-corp my earnings before taxes will not include what I pay myself out of the company... |
How Should I Pay Myself? |
In theory, yes. In practice:
1. Most cards charge a 3% or so fee on balance transfer.
2. If you slip and let you balance go past "free balance transfer" time limits, you'll quickly pay more in interest than you gained from keeping free credit around.
3. You'll need an endless supply of free transfer cards to keep... |
You're conflating LLC with Corporation. They're different animals. LLC does not have "S" or "C" designations, those are just for corporations.
I think what you're thinking about is electing pass through status with the IRS. This is the easiest way to go. The company can pay you at irregular intervals in irregular am... |
I read somewhere that overfunding a 529 account ***could*** be subject to taxes and a 10% penalty. Does anyone know how this works? Obviously, it is very difficult to predict the tuition costs 10 or 15 years ahead. I understand you can apply the overfunds to a another child or relative, but what if this is not these? D... |
What are the rules on overfunding a 529 college savings account? |
I am a long investor looking to protect some of my gains in the recent market rally.
What are my options. I know of 3 possibilities
A)Buying a Put ( in say SPY)
B) Leveraged Bear Market (say QID )
C) Liquidating Long Positions into cash.
What are the pros and cons of each? |
what is the difference between checks and paychecks? |
What is the difference between a check and a paycheck? |
What is the difference between a check and a paycheck? |
I am a long investor looking to protect some of my gains in the recent market rally.
What are my options? I know of 3 possibilities:
1. Buying a Put (in say SPY)
2. Leveraged Bear Market (say QID)
3. Liquidating Long Positions into cash.
What are the pros and cons of each?
|
Protecting Gains: Buying a Put vs. Leveraged Bear Market vs. Liquidating Long Positions? |
I'm self-employed with my own LLC. How should I pay myself, given my situation? |
Possible to use balance transfers to avoid interest with major credit cards? |
What is the average margin on a vehicle from a used car dealer? |
Or, in other words: Who does the head of Fed report to? Is the Federal Reserve a private institution?
I'm going to be a bit naive here, have just read about how the Fed has been brought to life and can hardly believe that it did manage to survive for almost a century (!)
I have already checked many sources but ca... |
How much control over the Federal Reserve does the U.S. Government have? |
I just did the apartment finding dance. This doesn't make me ultra qualified, but I did spend a bit of time thinking about this. A lot of people seem to think that negotiation is about finding some set of words to scare or intimidate the other side into concessions. "Be prepared to walk away from the deal." This is ess... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.