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Has anyone compared an in-person Tax Advisor to software like Turbo Tax? | so far the only thing that I can think of that would make me want to go with H&R Block is the guarantee that they offer ( for a fee ) that says they will help you if you are ever audited for a tax return that you filed through them, but I think that is given for both the software and the in person tax preparation. so... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | [
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You are a knowledgeable and practical financial expert.
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Understanding the phrase “afford to lose” better | Well.... If you have alllll your money invested, and then there's a financial crisis, and there's a personal crisis at the same time (e.g. you lose your job) then you're in big trouble. You might not have enough money to cover your bills while you find a new job. You could lose your house, ruin your credit, or somethin... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | [
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You are a knowledgeable and practical financial expert.
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What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund? | The way you ask this is interesting, it implies (quite correctly) that for many, an annual bill for house insurance, property tax, etc, can turn into an emergency. My answer to the true emergency is a breakage that can't be foreseen (although you have to know the furnace isn't going to last forever) or a medical bill t... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
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You are a knowledgeable and practical financial expert.
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Layman's guide to getting started with Forex (foreign exchange trading)? | Starting with the Dummy Forex account is a wise move for every new forex trader. Do forex trading with a dummy account at least for a year. Startling directly with real money is a terribly costly move. Therefore, it is wise to have a solid trading strategy to execute. Make sure that your strategy is realistic and pract... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | [
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You are a knowledgeable and practical financial expert.
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How to determine how much to charge your business for rent (in your house)? | Your best approach is to assess rent levels in your local area for offices of a similar size. You need to take into account all the usuals - amenities, parking, etc, just as if your home-office was provided by a third-party. Get your $/sq ft and work out the monthly amount. With this figure, you need to then work out w... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | [
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You are a knowledgeable and practical financial expert.
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Should I pay more than 20% down on a home? | Leverage increase returns, but also risks, ie, the least you can pay, the greater the opportunity to profit, but also the greater the chance you will be underwater. Leverage is given by the value of your asset (the house) over the equity you put down. So, for example, if the house is worth 100k and you put down 20k, th... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | [
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You are a knowledgeable and practical financial expert.
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What are the best software tools for personal finance? | Mint.com—Easy solution to provide insight into finances. Pros: Cons: | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
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Ways to save for child's college education where one need not commit to set contributions? [duplicate] | 529 is good. Though, I would avoid other kinds of investments in kids names and or setting up accounts that are too complex or difficult to use as college costs will come in may aspects starting application fees and travel expenses when looking for college as well as housing and allowance spending. | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | [
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You are a knowledgeable and practical financial expert.
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How can one get their FICO/credit scores for free? (really free) | I've seen credit cards that provide you your credit score for free, updated once a month and even charted over the last year. Unfortunately the bank I used to have this card with was bought and the purchasing bank discontinued the feature. Perhaps someone out there knows of some cards that still offer a feature like t... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
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what is difference between stock and dividend? | From Wikipedia - Stock: The stock (also capital stock) of a corporation constitutes the equity stake of its owners. It represents the residual assets of the company that would be due to stockholders after discharge of all senior claims such as secured and unsecured debt. Stockholders' equity cannot be withdrawn... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
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You are a knowledgeable and practical financial expert.
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Automatic investments for cheap | If you are not worried about timing the market and want to buy primarily "blue chip" stocks to hold for a while, consider using Loyal3. They don't charge any commission. The downside is that trades are executed at the end of the day and there's only about 60 companies currently available (but there are some really good... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
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You are a knowledgeable and practical financial expert.
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What one bit of financial advice do you wish you could've given yourself five years ago? | Compound interest. Next time you buy a 100$ toy realize that if you save it - in x years that 100$ you saved and invested could potentially be more than 100$ where as most likely whatever you're buying will be worth much less. | Share your insights or perspective on the financial matter presented in the input. | [
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You are a knowledgeable and practical financial expert.
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Why invest for the long-term rather than buy and sell for quick, big gains? | A lot of people have already explained that your assumptions are the issue, but I'll throw in my 2¢. There are a lot of people who do the opposite of long term investing. It's called high frequency trading. I'd recommend reading the Wikipedia article for more info, but very basically, high frequency traders use progr... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | [
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You are a knowledgeable and practical financial expert.
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Giving kids annual tax free gift of $28,000 | If the child is a dependent the question is moot. It is accepted that the parent will pay for some, most, or all of the tuition. There is no tax issue for a current student. The payment of tuition helps them qualify as a dependent. There is no need to transfer the money to the child's account; it can be sent directly t... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
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You are a knowledgeable and practical financial expert.
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Are there any banks in Europe that I can have an account without being in that country? | It can be done, but I believe it would be impractical for most people - i.e., it would likely be cheaper to fly to Europe from other side of the world to handle it in person if you can. It also depends on where you live. You should take a look if there are any branches or subsidiaries of foreign banks in your country ... | Share your insights or perspective on the financial matter presented in the input. | [
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You are a knowledgeable and practical financial expert.
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How is not paying off mortgage better in normal circumstances? | One way of looking at it is that your equity in your house is an investment in a particular class of asset, and investing further in that asset class may drive you away from, rather than towards, your preferred asset mix. It's pretty common here in New Zealand for people's only investments to be their homes and rental ... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
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You are a knowledgeable and practical financial expert.
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Consolidating company pensions | I've been down the consolidation route too (of a handful of DC pensions; the DB ones I've not touched, and you would indeed need advice to move those around). What you should be comparing against is: what's the cheapest possible thing you could be doing? Monevators' online platform list will give you an idea of SIPP c... | Share your insights or perspective on the financial matter presented in the input. | [
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You are a knowledgeable and practical financial expert.
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Primary residence converted to a rental property & tax implications | Schedule E is the form you'll use. It lists nearly all deductions you can take for a rental. TurboTax Deluxe will handle it and it includes State Filing. | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | [
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How much taxes do corporations have to pay on dividends they receive from other companies? | Summary: The corporation pays 33.3% tax on dividends it receives and gets a tax refund at the same rate when it pays dividends out. According to http://www.kpmg.com/Ca/en/IssuesAndInsights/ArticlesPublications/TaxRates/Federal-and-Provincial-Territorial-Tax-Rates-for-Income-Earned-CCPC-2015-Dec-31.pdf the corporate tax... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
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How does a Non US citizen gain SEC Accredited Investor Status? | Here are the SEC requirements: The federal securities laws define the term accredited investor in Rule 501 of Regulation D as: a bank, insurance company, registered investment company, business development company, or small business investment company; an employee benefit plan, within the meaning of the Employee Reti... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering | [
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You are a knowledgeable and practical financial expert.
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3... | 526 |
What types of receipts do I need to keep for itemized tax deductions? | I err on the side of saving all of mine for a while. Just toss them in a box at least. A years' worth is about the size of a shoebox. I started doing this because one year, about a week after I tossed my receipts for the year, I realized that I had a fair bit of allotment left on my flexible savings account to use up... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
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You are a knowledgeable and practical financial expert.
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Is it worth it to re-finance my car loan? | Seems like a good deal to me. You are paying less interest over the lifetime of the loan. And what I would do is take the difference between the new payments and the old, put it into a savings account each month, and when the savings account exceeds the balance of the loan pay it off. | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
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"content": "You are a knowledgeable and practical financial expert.\n\nYou provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.\n\nWhen answering:... | <|im_start|>system
You are a knowledgeable and practical financial expert.
You provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.
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- Expl... | [
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3... | 320 |
Do stock option prices predicate the underlying stock's movement? | Options are an indication what a particular segment of the market (those who deal a lot in options) think will happen. (and just because people think that, doesn't mean it will) Bearing in mind however that people writing covered-calls may due so simply as part of a strategy to mitigate downside risk at the expense of... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. | [
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"content": "You are a knowledgeable and practical financial expert.\n\nYou provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.\n\nWhen answering:... | <|im_start|>system
You are a knowledgeable and practical financial expert.
You provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.
When answering:
- Expl... | [
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3... | 796 |
(United Kingdom) Multiple Stock ISAs? | It is a very good idea to spread your ISAs over more than one stock broker. However now that a lot of stock brokers charge an admin fee it can get expensive if you use too many. There is no need to tell your last year’s ISA provider that you are using a different one, however you MUST ONLY pay into one ISA provider ... | Offer your thoughts or opinion on the input financial query or topic using your financial background. | [
{
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You are a knowledgeable and practical financial expert.
You provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.
When answering:
- Expl... | [
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3... | 322 |
How do I explain why debt on debt is bad to my brother? | How about doing some calculations and show him how much he is paying for things he is buying on credit.Mix in some big and small purchases to show how silly it is on both. Some examples: What really made the debt issue hit home for me (no pun intended) was when I bought my first house and read the truth in lending disc... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. | [
{
"content": "You are a knowledgeable and practical financial expert.\n\nYou provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.\n\nWhen answering:... | <|im_start|>system
You are a knowledgeable and practical financial expert.
You provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.
When answering:
- Expl... | [
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(Legitimate & respectable) strategies to generate “passive income” on the Internet? | If you want real no hassle, look into getting an agent: http://www.xmarks.com/topic/photographers_agents Check Problogger for blogging info: http://www.problogger.net/ Passive income takes work. Making money off writing a novel/blogging, or photography is great, but you have to write the novel or take the pictures wor... | Share your insights or perspective on the financial matter presented in the input. | [
{
"content": "You are a knowledgeable and practical financial expert.\n\nYou provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.\n\nWhen answering:... | <|im_start|>system
You are a knowledgeable and practical financial expert.
You provide clear, well-reasoned answers to questions about personal finance, investing, banking, taxes, and economics. Your responses should be informative, realistic, and grounded in real-world financial understanding.
When answering:
- Expl... | [
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3... | 497 |
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