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93c54db3cb34101e2244963c85e5663a
|
Is it possible to quantify the probability of sudden big movements for a high-volume stock?
|
[
{
"docid": "4e0a75beec67e1583279b4a0d8dae31a",
"text": "\"Certainly no one knows in advance how much a stock is going to swing around. However, there are measures of how much it has swung around in the past, and there are people who will estimate the probability. First of all, there's a measure of an individual stock's volatility, commonly referred to as \"\"beta\"\". A stock with a beta of 1 tends to rise and fall about as much as the market at large. A stock with a beta of 2, in the meantime, would rise 10% when the market is up 5%. These are, of course, historical averages. See Wikipedia: http://en.wikipedia.org/wiki/Beta_(finance) Secondly, you can get an implied measure of volatility expectations by looking at options pricing. If a stock is particularly volatile, the chance of a big price move will be baked into the price of the stock options. (Note also that other things affect options pricing, such as the time value of money.) For an options-based measure of the volatility of the whole market, see the Volatility Index aka the \"\"Fear Gauge\"\", VIX. Wikipedia: http://en.wikipedia.org/wiki/VIX Chart: http://finance.yahoo.com/q?s=%5EVIX Looking at individual stocks as a group (and there's an oxymoron for you), individual stocks are definitely much more likely to have big moves than the market. Besides Netflix, consider the BP oil spill, or the Tokyo Electric Power Company's Fukushima incident (yow!). I don't have any detailed statistics on quantitatively how much, mind you, but in application, a standard piece of advice says not to put more than 5% of your portfolio in a single company's stock. Diversification protects you. (Alternatively, if you're trying to play Mr. Sophisticated Stock-Picker instead of just buying an index fund, you can also buy insurance through stock options: hedging your bets. Naturally, this will eat up part of your returns if your pick was a good one).\"",
"title": ""
},
{
"docid": "ce37e68e00f537c767c19173cb989473",
"text": "The P/E is currently 20. In hindsight, it's easy to see that when it was 50, not long ago, it was very overpriced. They were not adding customers or increasing revenue as they should have to sustain that P/E level. Probability? I suppose this can happen with any company that has both a high P/E and non-diversified business. Why did you think this company was large and stable? Their marketing blunders simply pricked the bubble level pricing these guys had. (Disclaimer - I am actually a happy customer of Netflix. For $8/mo, I get 6-8 DVDs and neither spend gas nor time to get them. Others who grew used to free streaming feel otherwise)",
"title": ""
},
{
"docid": "879c0735767dce73815b86de9e6871b6",
"text": "\"This is a classic correlation does not imply causation situation. There are (at least) three issues at play in this question: If you are swing- or day-trading then the first and second issues can definitely affect your trading. A higher-price, higher-volume stock will have smaller (percentage) volatility fluctuations within a very small period of time. However, in general, and especially when holding any position for any period of time during which unknowns can become known (such as Netflix's customer-loss announcement) it is a mistake to feel \"\"safe\"\" based on price alone. When considering longer-term investments (even weeks or months), and if you were to compare penny stocks with blue chip stocks, you still might find more \"\"stability\"\" in the higher value stocks. This is a correlation alone — in other words, a stable, reliable stock probably has a (relatively) high price but a high price does not mean it's reliable. As Joe said, the stock of any company that is exposed to significant risks can drop (or rise) by large amounts suddenly, and it is common for blue-chip stocks to move significantly in a period of months as changes in the market or the company itself manifest themselves. The last thing to remember when you are looking at raw dollar amounts is to remember to look at shares outstanding. Netflix has a price of $79 to Ford's $12; yet Ford has a larger market cap because there are nearly 4 billion shares compared to Netflix's 52m.\"",
"title": ""
},
{
"docid": "57473b20e156f849264f404f94ac0064",
"text": "\"In general, when companies are regarded as \"\"hot\"\" growth stocks, they are expected to keep up an accelerated level of growth for a good long time. That accelerated growth justifies a high PE relative to a slow-growth stock. When companies that are supposed to grow miss expectations or (worse) lose money, the markets punish the stock severely... Particularly if the company doesn't make analysts aware of problems early on. Netflix is a great example of a company bungling a few different business problems, creating a much bigger one in the process. A poorly conceived rate hike killed the reliable cash flow of the company, and that crazy Quixter thing just confused everyone. Now nobody trusts the management. BlackBerry is another example of a high performing company that just screwed up, damaging shareholders in the process. We're living in a very challenging era today, but growth stocks are always risky by nature -- growing a company rapidly is very difficult.\"",
"title": ""
}
] |
[
{
"docid": "adebc6f97829d7aef018c0582f2976c3",
"text": "ode2k noted the liquidity can very wildly especially 9 months out and there will be little volume even in the largest stocks. Victor noted standard measures of liquidity don't always apply cleanly to options as they are priced using a hybrid of model and market inputs. So your question is generally very hard to answer on SE, but you can get an answer yourself without too much trouble. The best way to get a feel for slippage in your case is to just get quotes. Most systems should let you get a quote for both buying and selling options at the same time. This will give you a feeling for how much you are paying in spread. Do the same for near dated options to get a feeling for spread size when you end up selling. You should factor in some widening of spreads at bad times, but this should get you a feeling for the scale of the slippage problem.",
"title": ""
},
{
"docid": "e4f3aface41cde6730131dcf5e91dbab",
"text": "Yes it is possible but with a caveat. It is a pattern that can be observed in many lightly traded stocks that usually have a small market cap. I am talking about a stock that trades less than 2,000 shares per day on average.",
"title": ""
},
{
"docid": "00135dcac4fb6133749e18b232752e96",
"text": "you can check google scholar for some research reports on it. depends how complex you want to get... it is obviously a function of the size of the portfolio of each type of asset. do you have a full breakdown of securities held? you can get historical average volumes during different economic periods, categorized by interest rates for example, and then calculate the days required to liquidate the position, applying a discount on each subsequent day.",
"title": ""
},
{
"docid": "5143955b19fc35d10f4d972ba0c77714",
"text": "I've never heard of such a thing, but seems like if such a product existed it would be easily manipulated by the big trading firms - simply bet that trading volume will go up, then furiously buy and sell shares yourself to artificially drive up the volume. The fact that it would be so easily manipulated makes me think that no such product exists, but I could be wrong.",
"title": ""
},
{
"docid": "408b55cf5d99100c61738355162a6405",
"text": "You have just answered your question in the last sentence of your question: More volume just means more people are interested in the stock...i.e supply and demand are matched well. If the stock is illiquid there is more chance of the spread and slippage being larger. Even if the spread is small to start with, once a trade has been transacted, if no new buyers and sellers enter the market near the last transacted price, then you could get a large spread occurring between the bid and ask prices. Here is an example, MDG has a 50 day moving average volume of only 1200 share traded per day (obviously it does not trade every day). As you can see there is already an 86% spread from the bid price. If a new bid price is entered to match and take out the offer price at $0.039, then this spread would instantly increase to 614% from the bid price.",
"title": ""
},
{
"docid": "559b03198b6c4e4f85f0593d61c2a272",
"text": "I suggest you look at many stocks' price history, especially around earnings announcements. It's certainly a gamble. But an 8 to 10% move on a surprise earning announcement isn't unheard of. If you look at the current price, the strike price, and the return that you'd get for just exceeding the strike by one dollar, you'll find in some cases a 20 to 1 return. A real gambler would research and find companies that have had many earnings surprises in the past and isolate the options that make the most sense that are due to expire just a few days after the earnings announcement. I don't recommend that anyone actually do this, just suggesting that I understand the strategy. Edit - Apple announced earnings. And, today, in pre-market trading, over an 8% move. The $550 calls closed before the announcement, trading under $2.",
"title": ""
},
{
"docid": "91c79dcdf2c298131d02119744c2cdb1",
"text": "While trading in stochastic I've understood, one needs reference (SMA/EMA/Bolinger Band and even RSI) to verify trade prior entering it. Stochastic is nothing to do with price or volume it is about speed. Adjusting K% has ability to turn you from Day trader to -> swing trader to -> long term investor. So you adjust your k% according to chart time-frame. Stochastic setup for 1 min, 5 min ,15, 30, 60 min, daily, weekly, monthly, quarterly, half yearly and yearly are all different. If you try hopping from one time-frame to another just because it is below oversold or above overbought region with same K%, you may get confused. Worst you may not square-off your loss making trade. And rather not use excel; charts gives better visual for oscillators.",
"title": ""
},
{
"docid": "546e0c06691b487e035f23ed55eccc9a",
"text": "\"I am strongly skeptical of this. In fact, after reading your question, I did the following: I wrote a little program in python that \"\"simulates\"\" a stock by flipping a coin. Each time the coin comes up heads, the stock's value grows by 1. Each time the coin comes up tails, the stock's value drops by 1. I then group, say, 50 of these steps into a \"\"day\"\", and for each day I look at opening, closing, maximum and minimum. This is then graphed in a candlestick chart. Funny enough, those things look exactly like the charts analysts look at. Here are a few examples: If you want to be a troll, show these to a technical analyst and ask them which of these stocks you should sell short and which of them you should buy. You can try this at home, I posted the code here and it only needs Python with a few extra packages (Numpy and Pylab, should both be in the SciPy package). In reply to a comment from JoeTaxpayer, let me add some more theory to this. My code actually performs a one-dimensional random walk. Now Joe in the comments says that an infinite number of flips should approach the zero line, but that is not exactly correct. In fact, there is a high chance to end up far from the zero line, because the expected distance from the start for a random walk with N steps is sqrt(N). What does indeed approach the zero line is if you took a bunch of these random walks and then performed the average over those. There is, however, one important aspect in which this random walk differs from the stock market: The random walk can go down as far as it likes, whereas a stock has a bottom below which it cannot fall. Reaching this bottom means the company is bankrupt and gets removed from the market. This means that the total stock market, which we might interpret as a sum of random walks, does indeed have a bias towards upwards movement, since I'm only averaging over those random walks that don't go below a certain threshold. But you can really only benefit from this effect by being broadly diversified.\"",
"title": ""
},
{
"docid": "076ed20173f85274209c411312206559",
"text": "\"The price of a company's stock at any given moment is established by a ratio of buyers to sellers. When the sellers outnumber the buyers at a given price, the stock price drops until there are enough people willing to buy the stock to balance the equation again. When there are more people wanting to purchase a stock at a given price than people willing to sell it, the stock price rises until there are enough sellers to balance things again. So given this, it's easy to see that a very large fund (or collection of very large funds) buying or selling could drive the price of a stock in one direction or another (because the sheer number of shares they trade can tip the balance one way or another). What's important to keep in mind though is that the ratio of buyers to sellers at any given moment is determined by \"\"market sentiment\"\" and speculation. People selling a stock think the price is going down, and people buying it think it's going up; and these beliefs are strongly influenced by news coverage and available information relating to the company. So in the case of your company in the example that would be expected to triple in value in the next year; if everyone agreed that this was correct then the stock would triple almost instantly. The only reason the stock doesn't reach this value instantly is that the market is split between people thinking this is going to happen and people who think it won't. Over time, news coverage and new information will cause one side to appear more correct than the other and the balance will shift to drive the price up or down. All this is to say that YES, large funds and their movements CAN influence a stock's trading value; BUT their movements are based upon the same news, information, analysis and sentiment as the rest of the market. Meaning that the price of a stock is much more closely tied to news and available information than day to day trading volumes. In short, buying good companies at good prices is just as \"\"good\"\" as it's ever been. Also keep in mind that the fact that YOU can buy and sell stocks without having a huge impact on price is an ADVANTAGE that you have. By slipping in or out at the right times in major market movements you can do things that a massive investment fund simply cannot.\"",
"title": ""
},
{
"docid": "6a02db1438babc2f423868a9c0a75f42",
"text": "\"There's an old adage in the equities business - \"\"buy on rumor, sell on fact\"\". Sometimes the strategy is to buy as soon as the rumor is out about a potential merger and then sell off into the news when it is actually announced, since this is normally when the biggest bounce occurs as part of a merger. The other part of the analysis you should do is to understand which of the companies benefits most (or is hurt the worst) by the merger and then make your play accordingly. Sometimes the company being acquired will see a bounce while the acquiring firm takes a hit, which is an indication the experts think the acquisition will be a drag on the acquiring company (perhaps because it is taking on a great deal of debt to make the acquisition, or because the acquiring firm is paying too much of a premium for what it's getting in return). Other times the exact opposite is true, where the company being acquired takes a hit while the buyer bounces, and again, the reasons for this can vary widely. If you wait until the merger is actually announced then by the time you get in, most of the premium from the announcement will likely have already been realized, and you'll be buying near the top of the market for the stock. The key is to be ahead of the other sellers by seeing the opportunities before they do and then knowing when to get out before everyone else does. Not an easy thing to pull off when you're trying to anticipate the markets, but it can be done if you do the right research and have patience. Good luck!\"",
"title": ""
},
{
"docid": "d176eb94e8783fd32d6e57b1f9aa3118",
"text": "You should not look at volume in isolation but look at it together with other indicators and/or the release of news (good or bad). When there is lower than average volume this could be an indication that the stock is in a bit of a holding pattern, possibly waiting for some company or economic news to come out (especially when accompanied by small changes in price). It could also mean that trading in a certain direction is drying up and the trend is about to end (this could be accompanied with a large move in price). When there is higher than average volume (2 to 3 times more or higher), this could be due to the release of company results, company or economic news, or the start or end of a trend (especially if accompanied by a gap). A large increase in volume accompanied by a large fall in price (usually a gap down) may also be an indication the stock has gone ex-dividend. There could be a range of reasons for variations in volume to the average volume. That is why you need to look at other indicators, company reporting and news, and economic news in combination with the volume changes to get a grasp of what is really happening.",
"title": ""
},
{
"docid": "5ce9dc303f7b78f4535fe5dc72d28a7d",
"text": "It is a fool's errand to attribute abnormal option volume or volatility to any meaningful move in the stock. One side of the chain is frequently more expensive than the other. The relationship between historical volatility and implied volatility is dubious at best, and also a big area of study.",
"title": ""
},
{
"docid": "40e19a42d0c1030422b12eaa08ea15d4",
"text": "The shortest-hand yet most reliable metric is daily volume / total shares outstanding. A security with a high turnover rate will be more efficient than a lower one, ceteris paribus. The practical impacts are tighter spread and lower average percentage change between trades. A security with a spread of 0% and an average change of 0% between trades is perfectly efficient.",
"title": ""
},
{
"docid": "c04be15b6800d5c5717ebe50622497f3",
"text": "\"You can't do this automatically; you want to understand whether the drop is from a short-term high. is likely to be a short-term low, or reflects an actual change in how folks expect the company to do in the future. Having said that, some people do favor a strategy which resembles this, betting on what are known as \"\"the dogs of the Dow\"\" in the assumption that they're well trusted but not as strongly sought and therefore perhaps not bid up as strongly. I have no opinion on it; I'm just mentioning it for comparison.\"",
"title": ""
},
{
"docid": "8ae1d1b1312fe92617416fb321e35db0",
"text": "Your plan will probably work. I speak from past experience approx 5-10 years ago, when Lloyds used to offer tiered interest of up to 4% on £5000 in their Vantage accounts. It was allowed for an individual person to have up to three Vantage accounts. The criteria for obtaining the headline interest rates were simply: What I, and many others, did was to set up three Vantage accounts, call them A, B, and C, and a standing order on each to transfer minimum amount + £1 on the same day each month in this manner: This satisfied the letter of conditions, though perhaps not the spirit. Most importantly it satisfied the bank, and all three accounts received that headline interest rate. These days banks have got a little wiser to this and have started including the 'set up n direct debits' condition, which makes this a more time-consuming system to arrange - you must assign your various bills across your accounts - but I believe that the overall plan still works. They don't care where the money comes from, or whether it stays - just that it comes in. Enough people get it wrong that they don't have to worry about the few who get it perfectly right (see also: how 0% balance transfer offers can be profitable...)",
"title": ""
}
] |
fiqa
|
87f0d5ca2bc03d05219811e984f7112b
|
What's a good free checking account?
|
[
{
"docid": "f776b37b0daea040b62129b4e72351e8",
"text": "The best bank with least amount of gotchas is Alliant Credit Union. I did a lot of research and finally decided on this bank. I did a comparative study between ING, Ally and Alliant and found Alliant to be superior than the the other two. More about my study: http://www.moneycone.com/a-bank-thats-better-than-ally-and-ingdirect/ If you do find a better bank than this, please update this post, I'd definitely like to know! Disclaimer: I have no relationship with either of the three banks.",
"title": ""
},
{
"docid": "4201f0db350d44ceacf0e9361bc26368",
"text": "Check with a small local bank or credit union, they might offer better terms. That said, my local credit union still charges $6/month for a checking account if you don't have a direct deposit into it.",
"title": ""
},
{
"docid": "2d797e0c5aeb688f536cd46d2b3308dd",
"text": "\"Here's a hack for getting the \"\"free\"\" checking that requires direct deposit. Some effort to set up, but once everything is in place, it's all autopilot. (If your transfer into savings is higher than your transfer out of savings, you'll build up a nice little stash over time.) I don't know if there are deposit amounts or frequencies that you must have to qualify for the free account, if these are public or secret, or if this works everywhere. If anyone else has experience using this kind of hack, please leave a comment.\"",
"title": ""
},
{
"docid": "f037e925896d678b10bbe59832cb7e56",
"text": "\"If you want to deposit checks or conduct business at a window, you should look at a local savings bank or credit union. Generally, you can find one that will offer \"\"free\"\" checking in exchange for direct deposit or a minimum balance. Some are totally free, but those banks pay zippo for interest. If you don't care about location, I would look at Charles Schwab Bank. I've been using them for a couple of years and have been really satisfied with them. They provide free checking, ATM fee reimbursement, free checks and pre-paid deposit envelopes. You also can easily move money between Schwab brokerage or savings accounts. Other brokers offer similar services as well.\"",
"title": ""
},
{
"docid": "7dc7abd96a4232b1049975ebf8aa602f",
"text": "Capital One 360. No minimums balance, no fees. Everything's online. Make deposits using an app or an image of the check. ATMs are free almost everywhere.",
"title": ""
},
{
"docid": "6ffed1ba7c7a5456be4234ae36bda59c",
"text": "Online banks are the future. As long as you don't need a clerk to talk to (and why would you need?) there's nothing you can't do with an online bank that you can with a brick and mortar robbers. I use E*Trade trading account as a checking account (it allows writing paper checks, debit card transactions, ACH in/out, free ATM, etc). If you don't need paper checks that often you can use ING or something similar. You can always go to a local credit union, but those will wave the fee in exchange for direct deposit or high balance, and that you can also get from the large banks as well, so no much difference there. Oh where where did Washington Mutual go....",
"title": ""
}
] |
[
{
"docid": "853f1ab64894dc0649111e6afc7bcd20",
"text": "\"There is no free lunch. \"\"Free\"\" can cost you a small fortune over time. If you wish to sit through a free pitch you may as well go to a time share seminar. Just keep your hands in your pocket and don't sign anything. In the end, you will be best served spending the time it will take to learn to manage your own money. Short term, spend a few hundred dollars and find a fee only planner who will give you general advice. My disdain for the \"\"bank guy\"\" goes back to an overheard conversation. An older woman, in her 70s was asking about investing in T-bills vs the bank CD. T-bills were a bit higher yield at the time. The banker stated that the CD was FDIC insured,but T-bills were not. This was decades ago, but I remember it as if it were yesterday.\"",
"title": ""
},
{
"docid": "1f29a91f8306aa4d1ac166445ac5fc43",
"text": "\"I think that your best option is to use the internet to look for sites comparing the various features of accounts, and especially forums that are more focused on discussion as you can ask about specific banks and people who have those accounts can answer. \"\"Requests for specific service provider recommendations\"\" are off-topic here, so I won't go into making any of my own bank recommendations, but there are many blogs and forums out there focusing on personal finance.\"",
"title": ""
},
{
"docid": "188502c8878306a1a913ada819b89d34",
"text": "Sorry, in the US (Bank of America). The kind of account we have has that high fee, but they also have free account options that have lower or zero balance requirements, you just have to setup direct deposit. The one we have has free checks, free safe deposit box, an English speaking customer service rep guaranteed to answer my call in something like 3 rings, and a bunch of other stuff I'll never use.",
"title": ""
},
{
"docid": "2865107e261613e3cc2c935b5a67bace",
"text": "\"These good rates all tend to be \"\"on up to $X\"\" where X is some low'ish number that could require multiple accounts. They often also come with other strings, like set up automatic deposits/withdrawals, and use debit card at least 15 times per month. The two you mention have these flaws, whether or not it's worth it depends on if you are happy to meet those requirements and how big your emergency fund is. Personally, I'd rather get rewards on a credit card than use a debit card, and I don't want to open a bunch of accounts, so I have a boring savings account with a pretty low interest rate for my emergency fund. It's liquid, earns some interest, and I don't have to think about it.\"",
"title": ""
},
{
"docid": "aaaa8fcea2cbfa583bb92f4848b54efa",
"text": "I would strongly suggest you select an answer: all the above two cover everything I can possibly recommend, but perhaps my perspective as a person who was exactly in your shoes a year ago might appeal to you more. My first bank was Chase, and they usually give out a free checking account to students that come with leaves of 100 checks. Unfortunately, I was 24 at that time, and the max possible age to qualify was 23 or 21. Paying $25 for any number of checks was a big deal for me as I had no job, and transportation and rent was costing me $1k/month anyways. I came here and asked questions: lots of them. MrChrister, God bless his soul, recommended credit unions to me. I never knew they existed. A year later, I am a proud member of 3 CUs: I recommend Alliant, DCU and SchoolsFirst: I am their member and very proud of it!",
"title": ""
},
{
"docid": "4eaf0ece65e124c8ee239f8b0f7821d9",
"text": "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 this?",
"title": ""
},
{
"docid": "4e3516519bc1be02dd6e3238df4960f9",
"text": "Ally Bank is a good online only account. They reimburse any ATM Fees you may occur. I have both checking and savings, with both Ally and ING Direct. I don't know about having 25 total accounts - seems like overkill to me. I do something similar though - I get direct deposit into one account, then transfer the average bill amount each pay to a different account that I never touch other than for the allotted bills. It works well, especially for Utilities that are inflated seasonally. What do you use to mange the 25 accounts? I use Quicken, but I don't have 25 accounts...yet.",
"title": ""
},
{
"docid": "fe8cec63df9636d261bc60e06280cf6d",
"text": "This only indirectly answer your question, but Schwab investor checking account has no fee, no minimum balance, and will reimburse all ATM fee (inside and outside the US)",
"title": ""
},
{
"docid": "37e38b00009688a5f953c84a8685cce1",
"text": "My wife and I have two Schwab brokerage accounts, one for retirement and one for non-retirement investments. The latter also has a checking/savings account which we use as our main account. Schwab is very happy with us, as we are cheapskates and save a lot of money. The checking account, which seems to act like any ordinary checking account, gives us all the things listed above. They pay the ATM fees, which is not a lot of money, but seems like a nice thing to me. We can also do cash deposits and we can go to any Schwab branch to talk to someone face to face. We've only had to do the latter once in 10 or so years, and the former maybe once or twice.",
"title": ""
},
{
"docid": "8a8a67ea7ce494e435405a0f4a50e3b6",
"text": "Yes, and there are several ways, the safest is a high-yield savings account which will return about 1% yearly, so $35 per month. That's not extremely much, but better than nothing (you probably get almost zero interest on a regular checking account).",
"title": ""
},
{
"docid": "93c96645f913850d5a0ff9df12226fe4",
"text": "She needs to get a bank account at literally any other bank or credit union. I have not paid for a checking account ever, any bank that tries to is ripping you off. Personally I've used ING Direct/Capital One 360 for years without any problems.",
"title": ""
},
{
"docid": "66a1f33edc8c08ddea2dc3d497857005",
"text": "And I'm mad that everyone's mad. STOP BEING MAD D: But seriously, chill out u/3th0s. There are legitimate reasons to keep money in your checking account and it is not a moronic move. A more moronic move would be to have no money available on hand in the event of an emergency, like if your own a house and your boiler breaks or if you get in an accident and have to shell out money for medical bills or if you want to save up so you can pay your larger loans off in full so you don't accrue interest on them (e.g. college loans).",
"title": ""
},
{
"docid": "394bb6647586be1013b72bbe7b8f1858",
"text": "Wells Fargo. They have an account called PMA, an umbrella account for checking, savings, mortgage, and brokerage accounts. It would cost $30/month, but I never had to pay because I have a rollover retirement account that is enough to waive the fees. They count all accounts, including mortgage, which I used to have. Oh, and no restrictions. An added advantage is there are no fees for any of the accounts, nor for some other things, like bank checks, outside ATM fees, etc. I'm in California, so I don't know if the same deal exists in other states. But if you qualify for the free account, it's pretty good. Actually, most of my investments are Vanguard funds. And I have another rollover account with Vanguard, and never pay fees, but I only buy or sell from one Vanguard fund to another, and rarely since I have targeted retirement funds that are designed to be no maintenance. For some reason, I trust Vanguard more than most other funds; maybe because I like their philosophy on low-cost funds, which they started but are now getting more popular.",
"title": ""
},
{
"docid": "4d7f2372eac414d801f4c68ed0695462",
"text": "(Six years later...) I've used CheckFree for over 20 years, and my uncle started using it back in the early 1980s through a 300 baud modem. It has e-bills, EDI bills that you schedule yourself, and will also mail checks to people and small businesses. You can make your payments from an unlimited number of banks, can schedule multiple recurring payments for the same bill (I find that useful for when buying large/expensive items by CC: I create a different payment schedule for each), plus ad hoc payments.",
"title": ""
},
{
"docid": "3fe18d8b664294e35f4ba7aec9d1e9be",
"text": "\"I've looked around for a while and found one at Broadway Federal Bank. I opened one up last year and will most likely be renewing it if the rates stay fairly competitive. Here are the features: I think it's a great alternative to a savings account because the ability to withdraw at any time defeats the purpose of \"\"saving\"\". By getting penalized to withdraw with this CD, you are discouraged from withdrawing and hence, actually save. The biggest downside is that they are a fairly small community bank and only have branches in Los Angeles. They also only have three branches in total and do not have ATM's that you can make deposits into aside from the ones outside of their branches.However, you can open an account online and and make electronic deposits. Hope this helps.I included their website below. www.broadwayfederalbank.com\"",
"title": ""
}
] |
fiqa
|
4c01d1141026ad2e71c2f477ee23edae
|
Official site to follow Warren Buffet's Berkshire Hathaway change in investment holdings?
|
[
{
"docid": "71865ab9675a4e9f94db73782e2c72df",
"text": "Are you looking for this Warren Buffets Stock Portfolio? Or Berkshire Hathaway Portfolio WFC is near the bottom of the BH portfolio but it seems to be a rather large investment for both.",
"title": ""
},
{
"docid": "7a53c5f4ce1cf486607686d161248249",
"text": "\"The official source is the most recent Form 13F that Berkshire Hathaway, which is filed with the Securities & Exchange Commission on a quarterly basis . You can find it through the SEC filing search engine, using BRKA as the ticker symbol. and then looking for the filings marked 13-FR or 13-FR/A (the \"\"/A\"\" indicates an amended filing). As you can see by looking at the 13-F filed for the quarter ending September 30 , the document isn't pretty or necessarily easy to read, hence the popularity of sites such as those that Chad linked to. It is, though, the truly official source from which websites tracking the Berkshire Hathaway portfolio derive their information.\"",
"title": ""
}
] |
[
{
"docid": "364a2c6a6b09a7ef1e8b5460a85ef642",
"text": "The recommended way to track TSP funds in online portfolio tools is to track the underlying index and know that the results are pretty close. Not a perfect solution: :( Source including suggested ETFs: http://finance.yahoo.com/news/breaking-down-tsp-investment-funds-194600393.html Related, but not exactly what you are looking for, Personal Capital will track your TSP holdings: http://themilitarywallet.com/manage-thrift-savings-plan/",
"title": ""
},
{
"docid": "922cfb7dfced64ee1eb794c4ae2d7e28",
"text": "The Bible of fundamental analysis was written by Graham and Dodd, and is titled Security Analysis. If you don't know the name Benjamin Graham, Warren Buffet was his student and attribute his own success to Graham. If Security Analysis is a bit too intense for you, Graham also wrote The Intelligent Investor which is probably a better starting point.",
"title": ""
},
{
"docid": "6e1a49099026facd9c7a976bb9804035",
"text": "I searched for FTSE 100 fund on Yahoo Finance and found POW FTSE RAF UK 100 (PSRU.L), among many others. Google Finance is another possible source that immediately comes to mind.",
"title": ""
},
{
"docid": "dc791ff7f4a2e648915913f2f2bc62ae",
"text": "Yup. What I wanted to know was where they are pulling it up from. Have casually used Google finance for personal investments, but they suck at corp actions. Not sure if they provide free APIs, but that would probably suck too! :D",
"title": ""
},
{
"docid": "a0a4756367c596b3fda74b485d5ea1a0",
"text": "\"See Berkshire Hathaway Inc. (BRK-A) (The Class A shares) and it will all be clear to you. IMHO, the quote for the B shares is mistaken, it used earning of A shares, but price of B. strange. Excellent question, welcome to SE. Berkshire Hathaway is a stock that currently trades for nearly US$140,000. This makes it difficult for individual investors to buy or sell these shares. The CEO Warren Buffet chose to reinvest any profits which means no dividends, and never to split the shares, which meant no little liquidity. There was great pressure on him to find a way to make investing in Berkshire Hathaway more accessible. In June '96, the B shares were issued which represented 1/30 of a share of the Class A stock. As even these \"\"Baby Berks\"\" rose in price to pass US$4500 per share, the stock split 50 to 1, and now trade in the US$90's. So, the current ratio is 1500 to 1. The class B shares have 1/10,000 the voting rights of the A. An A share may be swapped for 1500 B shares on request, but not vice-versa.\"",
"title": ""
},
{
"docid": "6b204b1ac56d47235c85b96f0a5a43c4",
"text": "Does Coke count as one of his operating businesses though? He's the biggest shareholder but wikipedia says it's around 26%. There are some other huge cash cows in there as well; BNSF Railroad's earnings were like $3.5 billion last year, and Berkshire own 100% of the business.",
"title": ""
},
{
"docid": "0aa78e92743857ed9109abd1c871a63c",
"text": "That is absolute rubbish. Warren Buffet follows simple value and GARP tenants that literally anyone could follow if they had the discipline to do so. I have never once heard of an investment made by Warren Buffet that wasn't rooted in fundamentals and easy to understand. The concept is fairly simple as is the math, buying great companies trading at discounts to what they are worth due to market fluctuations, emotionality, or overreactions to key sectors etc. If I buy ABC corp at $10 knowing it is worth $20, it could go down or trade sideways for FIVE YEARS doing seemingly nothing and then one day catch up with its worth due to any number of factors. In that case, my 100% return which took five years to actualize accounts for an average 20% return per year. Also (and this should be obvious), but diversification is a double edged sword. Every year, hundreds of stocks individually beat the market return. Owning any one of these stocks as your only holding would mean that YOU beat the market. As you buy more stocks and diversify your return will get closer and closer to that of an index or mutual fund. My advice is to stick to fundamentals like value and GARP investing, learn to separate when the market is being silly from when it is responding to a genuine concern, do your own homework and analysis on the stocks you buy, BE PATIENT after buying stock that your analysis gives you confidence in, and don't over diversify. If you do these things, congrats. YOU ARE Warren Buffet.",
"title": ""
},
{
"docid": "40e6638b269729348c0961549dc69b5a",
"text": "\"The best answer here is \"\"maybe, but probably not\"\". A few quick reasons: Its not a bad idea to watch other investors especially those who can move markets but do your own research on an investment first. Your sole reason for investing should not be \"\"Warren did it\"\".\"",
"title": ""
},
{
"docid": "f72096078666904daa338a9408f0f8e9",
"text": "Do you think Buffet's track record is a result of luck? Also it is tough to compare Singer and Buffet because their strategies are so different. Paul Singer's investing focuses on activism & distress, whereas Buffet is a value investor.",
"title": ""
},
{
"docid": "9c4f475139584541610800bc20ced200",
"text": "\"Yes, that's true. Excerpt from \"\"The Warren Buffett Way\"\": \"\"In November 2000, Warren Buffett and Berkshire Hathaway paid about $1 billion for Benjamin Moore & Co., the Mercedes of paint companies. Founded in 1883 by the Moore brothers in their Brooklyn basement, Benjamin Moore today is fifth largest paint manufacturer in the United States and has an unmatched reputation for quality. It was reported that Buffett paid a 25 percent premium over the stock’s then current price. On the surface, that might seem to contradict one of Buffett’s iron-clad rules: that he will act only when the price is low enough to constitute a margin of safety. However, we also know that Buffett is not afraid to pay for quality. Even more revealing, the stock price jumped 50 percent to $37.62 per share after the deal was announced. This tells us that either Buffett found yet another company that was undervalued or else that the rest of the investing world was betting on Buffett’s acumen and traded the price up even higher— or both.\"\"\"",
"title": ""
},
{
"docid": "d9d5189c132f0a6e7e2c252016c06ba4",
"text": "You could try asking Merrill Lynch, (general inquiries) :- http://www.ml.com/index.asp?id=7695_114042 So far I only found a few graphics :- http://topics.nytimes.com/top/news/business/companies/merrill_lynch_and_company/ http://www.reuters.com/article/2008/01/17/us-merrilllynch-results-idUSWNAS674520080117 http://www.stocktradingtogo.com/2008/09/15/merrill-lynch-saved-by-bank-of-america-buyout/",
"title": ""
},
{
"docid": "fdc9a3d345cfffb929751b0151c33abe",
"text": "\"If you're looking to generate your own charts, you can get up-to-date TSP fund share prices in a Google Docs spreadsheet by \"\"scraping\"\" the data from the HTML of certain TSP webpages. You'll need to do this because the GoogleFinance function does not recognize \"\"private\"\" funds or collective trusts like those of the TSP. See this thread for tips: Bogleheads • View topic - GoogleFinance price quotes for TSP Funds\"",
"title": ""
},
{
"docid": "ebb20a00f7a59b2682b77987bd4151f6",
"text": "The steps you outlined are fine by themselves. Step 5, seeking criticism can be less helpful than one may think. See stocktwits.com There are a lot of opposing opinions all of which can be correct over different time-frames. Try and quantify your confidence and develop different strategies for different confidence levels. I was never smart enough or patient with follow through to be a successful value investor. It was very frustrating to watch stocks trade sideways for years before the company's intrinsic value was better reflected in the market. Also, you could make an excellent pick, but a macro change and slump could set you back a year and raise doubts. In my experience portfolio management techniques like asset allocation and dollar-cost-averaging is what made my version of value investing work. Your interest in 10k/10q is something to applaud. Is there something specific about 10k/10q that you do not understand? Context is key, these types of reports are more relevant and understandable when compared to competitors in the same sector. It is good to assess over confidence! It is also good to diversify your knowledge and the effort put into Securities Analysis 6th edition will help with other books in the field. I see a bit of myself in your post, and if you are like me, than subsequent readings, and full mastery of the concepts in 'Securities & Analysis 6th ed.' will lead to over confidence, or a false understanding as there are many factors at play in the market. So many, that even the most scientific approaches to investing can just as equally be described as an 'art'. I'm not aware of the details of your situation, but in general, for you to fully realize the benefits from applying the principals of value investing shared by Graham and more recently Warren Buffett, you must invest on the level that requires use of the consolidation or equity method of accounting, e.g. > 20% ownership. Sure, the same principals used by Buffett can work on a smaller scale, but a small scale investor is best served by wealth accumulation, which can take many forms. Not the addition of instant equity via acquisitions to their consolidated financials. Lastly, to test what you have learned about value investing, and order execution, try the inverse. At least on paper. Short a stock with low value and a high P/E. TWTR may be a good example? Learn what it is like to have your resources at stake, and the anguish of market and security volatility. It would be a lot easier to wait it out as a long-term value investor from a beach house in Santa Barbara :)",
"title": ""
},
{
"docid": "560638c8ad7f70d280c4a628437bee49",
"text": "\"I hate to point this out, but have you heard of this guy Trump, or Warren Buffet (although his son seems to be very competent and grounded, to some degree). The US is also plagued with this problem where family companies remain so through leadership, they also tend to fail at greater rates than our publicly ran companies. I suppose Samsung is public company, but why having stock on the open KRX doesn’t lead to better leadership is beyond me to understand? EDIT:My bad for bringing Trump into this, it was meant as an example of wealth distribution which translates into capacity for business options, and he's well known. However you guys need to do some more research before throwing shade, Howard Buffet has taken over Berkshire Hathaway in a non-executive role, while also holding board positions on a multitude of companies in which BH own significant portions including coca-cola. I wasn't pointing out Warren is incompetent in any way, just he passed the reins off to family too in many ways. \"\"In December 2011, Warren Buffett told CBS News that he would like his son Howard to succeed him as Berkshire Hathaway's non-executive chairman.\"\" Apologies for lack of clarity in my statement.\"",
"title": ""
},
{
"docid": "a8d2b79642f69b96d682fd6049896ed9",
"text": "I won't think so. Too much trouble for the compliance and internal audit team. Unless you are moving money from Russia, Iran or those non-FATCA countries.",
"title": ""
}
] |
fiqa
|
4abe00e47fbcdca1af6b41cddb566211
|
Is engaging in stocks without researching unwise?
|
[
{
"docid": "e1a6d5b5502902f159e503bd5fe91ad0",
"text": "\"If you don't want to do the deep research on each individual company, you might want to look at index funds and similar \"\"whole market\"\" investments.\"",
"title": ""
},
{
"docid": "77e47927dac5aaa60257ce81f1d37181",
"text": "\"Stock recommendations and price history are an unwise way to invest. People that recommend stocks are usually compensation for recommending it. They are paid directly by third parties, that can be paid in shares, they can simply own the stock themselves and if the stock goes up they can sell it to new investors at a higher price (or even a lower price, they may not actually care) Price history does not tell you a complete picture, what kind of price history are you even looking at: \"\"this stock went up, let me buy now at the very top and hope it goes higher, am I too late\"\" \"\"this stock went down let me avoid it\"\" if you don't know why, what, who, when, assets, debt, etc, you shouldn't be buying the stock.\"",
"title": ""
},
{
"docid": "cde469018b3cfb591796938d77a8ff2d",
"text": "I don't see balance sheet in what you're looking at, and I'd definitely suggest learning how to read a balance sheet and looking at it, if you're going to buy stock in a company, unless you know that the recommendations you're buying on are already doing that and you're willing to take that risk. Also, reading past balance sheets and statements can give you an idea about how accurate the company is with their predictions, or if they have a history of financial integrity. Now, if you're going the model portfolio route, which has become popular, the assumption that many of these stock buyers are making is that someone else is doing that for them. I am not saying that this assumption is valid, just one that I've seen; you will definitely find a lot of skeptics, and rightly so, about model portfolios. Likewise, people who trade based on what [Person X] does (like Warren Buffett or David Einhorn) are assuming that they're doing the research. The downside to this is if you follow someone like this. Yeah, oops. I should also point out that technical analysis, especially high probability TA, generally only looks at history. Most would define it as high risk and there are many underlying assumptions with reading the price movements by high probability TA types.",
"title": ""
}
] |
[
{
"docid": "91531f9f9d19837f1ed28ee8d8142eb3",
"text": "Be cognizant of your own limitations when approaching this material. I've dealt with lawyers, doctors, engineers and other highly intelligent people from other disciplines, who then try to learn about companies and the stock market. Their own arrogance and assumption that they can just learn anything *quickly* ends up hurting them. It can take years and real classical training of finance to understand this material with any depth. Someone is wrong (a fool) in every trade. There is someone who is going to make money and lose money. Odds are the fool is you.",
"title": ""
},
{
"docid": "3c86ef63d24853ad9bb7f969cbe35133",
"text": "“Burt Malkiel is still the high priest of passive investing,” said Jakub Jurek, vice president for research at Wealthfront. “To be absolutely clear, we’re not stock pickers. There are decades of research on active investors, which show they underperform.” So ... not really straying, just promoting a somewhat more sophisticated model based on algos (robo-investors?)",
"title": ""
},
{
"docid": "fcd11b792061a47b8e47a4bb91c17281",
"text": "You are always best off investing in things you understand. If you have a deep understanding of the aeronautical industry, say, you are a Vice President at Boeing and have been working at Boeing for 40 years, then that would be a reason for investing in that sector: because you may be able to better evaluate different companies in that sector. If you are a novice in the sector, or just have an amateur interest in it, then it may not be a good idea, because your knowledge may not be sufficient to give you much of an advantage. Before focusing on one investment of any type, industry sector based, or otherwise, you want to ask yourself: am I an expert in this subject? The answer to that question will have a big impact on your success.",
"title": ""
},
{
"docid": "a4dea673d39dae97fa909527a80f3e36",
"text": "\"My feeling is that you're basically agreeing to throw away a bucket of money for a lesson that doesn't have to cost a penny. Like another commenter said, you're putting the cart before the horse. I once asked a similar question to a seasoned investor, though I wasn't in the position to toss my hard-earned cash into the well yet. He told me that the difference between the winners and losers is that the winners don't need the money. I'm not trying to say that there's a \"\"rich keep getting richer ...\"\" component here, while schlubs like me get nada. The real nugget of wisdom he offered was that if anyone wants to do well as investors, we must invest in a way that we're not dependent on the money we have in the market. Instead, manage risk carefully so that you don’t get swept up in the emotional highs and lows. For you, what I applaud is that you're willing to do your research first. And part of that should be anticipating how you will handle the anxiety when you put your money in at the wrong time or get out a little later than you should. What I understand now is that you don’t need to be wealthy to “not need the money.” You just need to invest smartly and leave your emotions out of it.\"",
"title": ""
},
{
"docid": "7977d3c2f03fdc9ffd7ec7b2853de952",
"text": "I would also consider unnecessarily complex investment strategies a big warning sign as they can easily hide poor investment advice or a bad strategy. This is especially the case when it comes to retail investment as complex strategies can have so many moving parts that you, as someone with a day job, can't spend enough time on it to keep an eye on everything and you only spot issues when it's too late. Other bugbears:",
"title": ""
},
{
"docid": "33a18214048d00ec5c14fc9655f16b82",
"text": "If you are an entrepreneur, and you are looking forward to strike on your own ( the very definition of entrepreneur) then I suggest that you don't invest in anything except your business and yourself. You will need all the money you have when you launch your business. There will be times when your revenue won't be able to cover your living costs, and that's when you need your cash. At that point of time, do you really want to have your cash tie up in stock market/property? Some more, instead of diverting your attention to learn how the stock market/property works, focus on your business. You will find that the reward is much, much greater. The annual stock market return is 7% to 15%. But the return from entrepreneurship can be many times higher than that. So make sure you go for the bigger prize, not the smaller gains. It's only when your business no longer requires your capital then you can try to find other means of investment.",
"title": ""
},
{
"docid": "3eba0ee9b9ecd19532789be1d9146812",
"text": "\"I find the question interesting, but it's beyond an intelligent answer. Say what you will about Jim Cramer, his advice to spend \"\"an hour per month on each stock\"\" you own appears good to me. But it also limits the number of stocks you can own. Given that most of us have day jobs in other fields, you need to decide how much time and education you can put in. That said, there's a certain pleasure in picking stocks, buying a company that's out of favor, but your instinct tells you otherwise. For us, individual stocks are about 10% of total portfolio. The rest is indexed. The amount that \"\"should be\"\" in individual stocks? None. One can invest in low cost funds, never own shares of individual stocks, and do quite well.\"",
"title": ""
},
{
"docid": "eaf6c3310231fc85c46cd31aa5e7a832",
"text": "The answer is no. Online trading is not premature, and hasn't been for a long time. The presence of online complaints has no bearing on the maturity of this means of trading. I'm sure you can find negative reviews of banks, brokers, grocery stories, online retailers, car manufacturers etc. but no one in their right might would consider those industries premature. Sorry, I think your avoidance based on some online reviews sounds a little paranoid. What exactly are you afraid of? Maybe I could provide a more precise answer if we knew your exact concerns.",
"title": ""
},
{
"docid": "514cb66269b47140c703c2ab852a8381",
"text": "You shouldn't be picking stocks in the first place. From New York Magazine, tweeted by Ezra Klein: New evidence for that reality comes from Goldman Sachs, via Bloomberg News. The investment bank analyzed the holdings of 854 funds with $2.1 trillion in equity positions. It found, first of all, that all those “sophisticated investors” would have been better off stashing their money in basic, hands-off index funds or mutual funds last year — both of them had higher average returns than hedge funds did. The average hedge fund returned 3 percent last year, versus 14 percent for the Standard & Poor’s 500. Mutual funds do worse than index funds. Tangentially-related to the question of whether Wall Street types deserve their compensation packages is the yearly phenomenon in which actively managed mutual funds underperform the market. Between 2004 and 2008, 66.21% of domestic funds did worse than the S&P Composite 1500. In 2008, 64.23% underperformed. In other words, if you had a fund manager and his employees bringing their skill and knowledge to bear on your portfolio, you probably lost money as compared to the market as a whole. That's not to say you lost money in all cases. Just in most. The math is really simple on this one. Stock picking is fun, but undiversified and brings you competing with Wall Streeters with math Ph.Ds. and twenty-thousand-dollars-a-year Bloomberg terminals. What do you know about Apple's new iPhone that they don't? You should compare your emotional reaction to losing 40% in two days to your reaction to gaining 40% in two days... then compare both of those to losing 6% and gaining 6%, respectively. Picking stocks is not financially wise. Period.",
"title": ""
},
{
"docid": "a4afa8c2f6d30d437aba51b7bd25b53b",
"text": "Knowing the answer to this question is generally not as useful as it may seem. The stock's current price is the consensus of thousands of people who are looking at the many relevant factors (dividend rate, growth prospects, volatility, risk, industry, etc.) that determine its value. A stock's price is the market's valuation of the cash flows it entitles you to in the future. Researching a stock's value means trying to figure out if there is something relevant to these cash flows that the market doesn't know about or has misjudged. Pretty much anything we can list for you here that will affect a stock's price is something the market knows about, so it's not likely to help you know if something is mispriced. Therefore it's not useful to you. If you are not a true expert on how important the relevant factors are and how the market is reacting to them currently (and often even if you are), then you are essentially guessing. How likely are you to catch something that the thousands of other investors have missed and how likely are you to miss something that other investors have understood? I don't view gambling as inherently evil, but you should be clear and honest with yourself about what you are doing if you are trying to outperform the market. As people become knowledgeable about and experienced with finance, they try less and less to be the one to find an undervalued stock in their personal portfolio. Instead they seek to hold a fully diversified portfolio with low transactions costs and build wealth in the long term without wasting time and money on the guessing game. My suggestion for you is to transition as quickly as you can to behave like someone who knows a lot about finance.",
"title": ""
},
{
"docid": "8b473900266d99d7287e105b68cc01dd",
"text": "\"You could end up with nothing, yes. I imagine those that worked at Enron years ago if their 401(k) was all in company stock would have ended up with nothing to give an example here. However, more likely is for you to end up with less than you thought as you see other choices as being better that with the benefit of hindsight you wish you had made different choices. The strategies will vary as some people will want something similar to a \"\"set it and forget it\"\" kind of investment and there may be fund choices where a fund has a targeted retirement date some years out into the future. These can be useful for people that don't want to do a lot of research and spend time deciding amongst various choices. Other people may prefer something a bit more active. In this case, you have to determine how much work do you want to do, do you want to review fund reviews on places like Morningstar, and do periodic reviews of your investments, etc. What works best for you is for you to resolve for yourself. As for risks, here are a few possible categories: Time - How many hours a week do you want to spend on this? How much time learning this do you want to do in the beginning? While this does apply to everyone, you have to figure out for yourself how much of a cost do you want to take here. Volatility - Some investments may fluctuate in value and this can cause issues for some people as it may change more than they would like. For example, if you invest rather aggressively, there may be times where you could have a -50% return in a year and that isn't really acceptable to some people. Inflation - Similarly to those investments that vary wildly there is also the risk that with time, prices generally rise and thus there is something to be said for the purchasing power of your investment. If you want to consider this in more detail consider what $1,000,000 would have bought 30 years ago compared to now. Currency risk - Some investments may be in other currencies and thus there is a risk of how different denominations may impact a return. Fees - How much do your fund's charge in the form of annual expense ratio? Are you aware of the charges being taken to manage your money here?\"",
"title": ""
},
{
"docid": "52683fac8adacb6501cef0f04b28178d",
"text": "The best way I know of is to join an investment club. They club will act like a mutual fund, investing in stocks researched and selected by the group. Taking part in research and presenting results to the group for peer review is an excellent way to learn. You'll learn what is a good reason to invest and what isn't. You'll probably pick both winners and losers. The goal of participation is education. Some people learn how to invest and continue happily doing so. Others learn how to invest in single stocks and learn it is not for them.",
"title": ""
},
{
"docid": "13d54dbd5a6b33f419ebeafe4f977782",
"text": "\"I read the book, and I'm willing to believe you'd have a good chance of beating the market with this strategy - it is a reasonable, rational, and mechanical investment discipline. I doubt it's overplayed and overused to the point that it won't ever work again. But only IF you stick to it, and doing so would be very hard (behaviorally). Which is probably why it isn't overplayed and overused already. This strategy makes you place trades in companies you often won't have heard of, with volatile prices. The best way to use the strategy would be to try to get it automated somehow and avoid looking at the individual stocks, I bet, to take your behavior out of it. There may well be some risk factors in this strategy that you don't have in an S&P 500 fund, and those could explain some of the higher returns; for example, a basket of sketchier companies could be more vulnerable to economic events. The strategy won't beat the market every year, either, so that can test your behavior. Strategies tend to work and then stop working (as the book even mentions). This is related to whether other investors are piling in to the strategy and pushing up prices, in part. But also, outside events can just happen to line up poorly for a given strategy; for example a bunch of the \"\"fundamental index\"\" ETFs that looked at dividend yield launched right before all the high-dividend financials cratered. Investing in high-dividend stocks probably is and was a reasonable strategy in general, but it wasn't a great strategy for a couple years there. Anytime you don't buy the whole market, you risk both positive and negative deviations from it. Here's maybe a bigger-picture point, though. I happen to think \"\"beating the market\"\" is a big old distraction for individual investors; what you really want is predictable, adequate returns, who cares if the market returns 20% as long as your returns are adequate, and who cares if you beat the market by 5% if the market cratered 40%. So I'm not a huge fan of investment books that are structured around the topic of beating the market. Whether it's index fund advocates saying \"\"you can't beat the market so buy the index\"\" or Greenblatt saying \"\"here's how to beat the market with this strategy,\"\" it's still all about beating the market. And to me, beating the market is just irrelevant. Nobody ever bought their food in retirement because they did or did not beat the market. To me, beating the market is a game for the kind of actively-managed mutual fund that has a 90%-plus R-squared correlation with the index; often called an \"\"index hugger,\"\" these funds are just trying to eke out a little bit better result than the market, and often get a little bit worse result, and overall are a lot of effort with no purpose. Just get the index fund rather than these. If you're getting active management involved, I'd rather see a big deviation from the index, and I'd like that deviation to be related to risk control: hedging, or pulling back to cash when valuations get rich, or avoiding companies without a \"\"moat\"\" and margin of safety, or whatever kind of risk control, but something. In a fund like this, you aren't trying to beat the market, you're trying to increase the chances of adequate returns - you're optimizing for predictability. I'm not sure the magic formula is the best way to do that, focused as it is on beating the market rather than on risk control. Sorry for the extra digression but I hope I answered the question a bit, too. ;-)\"",
"title": ""
},
{
"docid": "a45d1335104ace690d1de07daca77cc3",
"text": "\"I'd question whether a guaranteed savings instrument underperforming the stock market really is a risk, or not? Rather, you reap what you sow. There's a trade-off, and one makes a choice. If one chooses to invest in a highly conservative, low-risk asset class, then one should expect lower returns from it. That doesn't necessarily mean the return will be lower — stock markets could tank and a CD could look brilliant in hindsight — but one should expect lower returns. This is what we learn from the risk-return spectrum and Modern Portfolio Theory. You've mentioned and discounted inflation risk already, and that would've been one I'd mention with respect to guaranteed savings. Yet, one still accepts inflation risk in choosing the 3% CD, because inflation isn't known in advance. If inflation happened to be 2% after the fact, that just means the risk didn't materialize. But, inflation could have been, say, 4%. Nevertheless, I'll try and describe the phenomenon of significantly underperforming a portfolio with more higher-risk assets. I'd suggest one of: Perhaps we can sum those up as: the risk of \"\"investing illiteracy\"\"? Alternatively, if one were actually fully aware of the risk-reward spectrum and MPT and still chose an excessive amount of low-risk investments (such that one wouldn't be able to attain reasonable investing goals), then I'd probably file the risk under psychological risk, e.g. overly cautious / excessive risk aversion. Yet, the term \"\"psychological risk\"\", with respect to investing, encompasses other situations as well (e.g. chasing high returns.) FWIW, the risk of underperformance also came to mind, but I think that's mostly used to describe the risk of choosing, say, an actively-managed fund (or individual stocks) over a passive benchmark index investment more likely to match market returns.\"",
"title": ""
},
{
"docid": "1064fdecc92155663d3b8808178a2388",
"text": "\"First off, monozok is right, at the end of the day, you should not accept what anyone says to do without your money - take their suggestions as directions to research and decide for yourself. I also do not think what you have is too little to invest, but that depends on how liquid you need to be. Often in order to make a small amount of money grow via investments, you have to be willing to take all the investment profits from that principle and reinvest it. Thus, can you see how your investment ability is governed by the time you plan to spend without that money? They mantra that I have heard from many people is that the longer you are able to wait, the more 'risk' you can take. As someone who is about the same age as you (I'm 24) I can't exactly say yet that what I have done is sure fire for the long term, but I suggest you adopt a few principles: 1) Go read \"\"A Random Walk Down Wall Street\"\" by Burton G. Malkiel. A key point for you might be that you can do better than most of these professional investors for hire simply by putting more money in a well selected index fund. For example, Vanguard is a nice online service to buy indexes through, but they may require a minimum. 2) Since you are young, if you go into any firm, bank, or \"\"financial planner,\"\" they will just think you are naive and try to get you to buy whatever is best for them (one of their mutual funds, money market accounts, annuities, some flashy cd). Don't. You can do better on your own and while it might be tempting because these options look more secure or well managed, most of the time you will barely make above inflation, and you will not have learned very much. 3) One exciting thin you should start learning now is about algorithmic trading because it is cool and super efficient. quantopian.com is a good platform for this. It is a fun community and it is also free. 4) One of the best ways I have found to watch the stock market is actually through a stock game app on my phone that has realtime stock price feed. Seeking Alpha has a good mobile app interface and it also connects you to news that has to do with the companies you are interested in.\"",
"title": ""
}
] |
fiqa
|
528397288b2c44f4e002778918d0fae5
|
Optimal way for withdrawing vested company match from my 401k?
|
[
{
"docid": "55fa27ae850d048706e23ab6e49c4bc6",
"text": "Why would you want to withdraw only the company match, and presumably leave your personal contributions sitting in your ex-company's 401k plan? Generally, 401k plans have larger annual expenses and provide for poorer investment choices than are available to you if you roll over your 401k investments into an IRA. So, unless you have specific reasons for wanting to continue to leave your money in the 401k plan (e.g. you have access to investments that are not available to nonparticipants and you think those investments are where you want your money to be), roll over part (or all) of your 401k assets into an IRA, and withdraw the rest for personal expenses. If your personal contributions are in a Roth 401k, roll them over to a Roth IRA, but, as I remember it, company contributions are not part of the Roth 401k and must be rolled over into a Traditional IRA. Perhaps this is why you want to take those in cash to pay for your personal purchase? Also, what is this 30% hit you are talking about? You will owe income tax on the money withdrawn from the 401k (and custodians traditionally withhold 20% and send it to the IRS on your behalf) plus penalty for early withdrawal (which the custodian may also withhold if you ask them), but the tax that you will pay on the money withdrawn will depend on your tax bracket, which may be lower if you are laid off and do not immediately take on a new job. That is, the 30% hit may be on the cash flow, but you may get some of it back as a refund when you file your income tax return.",
"title": ""
},
{
"docid": "4030dc55fad97d9314441a551fec6c34",
"text": "You can borrow against a 401k for 5 years. This defers any penalty fees that the IRS mandates. Put the cash back in your 401k within those 5 years. you can also solo administer 401k plans even if you have an unincorporated business, so you can start one of those if you have any other form of cashflow, and there may be a way to get the other plan rolled into your solo one. http://www.irs.gov/publications/p560/ch04.html#en_US_publink10009053",
"title": ""
}
] |
[
{
"docid": "b4a947c1b4a02e26f333a174d8090296",
"text": "If your employer does not offer contribution matching, and you don't like the range of investment options provided by the company 401k, then you probably are better off investing in your own IRA instead. In an IRA held at a bank or brokerage, you can invest in multiple stocks or funds and move money around within the IRA pretty freely in most cases. If your company is doing well and is actually sharing profit into the 401k, you might consider leaving your 5% contribution to the 401k where it is and put the other 5% you are planning to contribute into a new IRA of your own. This straddles the risk of you losing money if your company 401k tanks (or profit sharing dries up) and your missing out on profit sharing if it continues to pay well.",
"title": ""
},
{
"docid": "afb5b4fbf1539e64167c69d8252f847b",
"text": "Use a compound interest calculator to project the difference with ETFs in the S&P 500 (or the asset mix of your choosing), and subtract the expected pension amount. If the difference is positive, or around around even, I would do it to avoid the risk of company failure.",
"title": ""
},
{
"docid": "969ee94d14e1dc337601ab97bf11cb94",
"text": "Start with the tax delta. For example, you'd hope to deposit at 25% bracket, but take withdrawals while at a marginal 15%. In this case, you're 10% to the good with the 401(k) and need to look at the fee eating away at this over time. Pay an extra 1%/yr and after 10 years, you're losing money. That's too simple, however. Along the way, you need to consider that the capital gain rate is lower than ordinary income. It's easier to take those gains as you wish to time them, where the 401(k) offers no flexibly for this. Even with low fees, this account is going to turn long term gains to ordinary income. (Note - in 2013, a couple with up to $72,500 in taxable income has a 0% long term cap gain rate. So, if they wish, they can sell and buy back a fund, claim the gain, and raise their cost basis. A tiny effort for the avoidance of tax on the gains each year.) First paragraph, don't forget, there are the standard deduction, exemption, and 10% bracket. While you are in the range to save enough to create he income to fill the low end at withdrawal, there's more value than just the 10% I discussed earlier. Last, there's a phenomenon I call The Phantom Tax Rate Zone when one's retirement withdrawals trigger the taxation of Social Security. It further complicates the math and analysis you seek.",
"title": ""
},
{
"docid": "2095856000a43ba310d2ac61948c6cb0",
"text": "Stuff I wish I had known, based on having done the following: Obtained employment at a startup that grants Incentive Stock Options (ISOs); Early-exercised a portion of my options when fair market value was very close to my strike price to minimize AMT; made a section 83b) election and paid my AMT up front for that tax year. All this (the exercise and the AMT) was done out of pocket. I've never see EquityZen or Equidate mention anything about loans for your exercise. My understanding is they help you sell your shares once you actually own them. Stayed at said startup long enough to have my exercised portion of these ISOs vest and count as long term capital gains; Tried to sell them on both EquityZen and Equidate with no success, due to not meeting their transaction minimums. Initial contact with EquityZen was very friendly and helpful, and I even got a notice about a potential sale, but then they hired an intern to answer emails and I remember his responses being particularly dismissive, as if I was wasting their time by trying to sell such a small amount of stock. So that didn't go anywhere. Equidate was a little more friendly and was open to the option of pooling shares with other employees to make a sale in order to meet their minimum, but that never happened either. My advice, if you're thinking about exercising and you're worried about liquidity on the secondary markets, would be to find out what the minimums would be for your specific company on these platforms before you plunk any cash down. Eventually brought my request for liquidity back to the company who helped connect me with an interested external buyer, and we completed the transaction that way. As for employer approval - there's really no reason or basis that your company wouldn't allow it (if you paid to exercise then the shares are yours to sell, though the company may have a right of first refusal). It's not really in the company's best interest to have their shares be illiquid on the secondary markets, since that sends a bad signal to potential investors and future employees.",
"title": ""
},
{
"docid": "1e5a296417919a3349a32bef497bbb96",
"text": "\"The company itself doesn't benefit. In most cases, it's an expense as the match that many offer is going to cost the company some percent of salary. As Mike said, it's part of the benefit package. Vacation, medical, dental, cafeteria plans (i.e. both flexible spending and dependent care accounts, not food), stock options, employee stock purchase plans, defined contribution or defined benefit pension, and the 401(k) or 403(b) for teachers. Each and all of these are what one should look at when looking at \"\"total compensation\"\". You allude to the lack of choices in the 401(k) compared to other accounts. Noted. And that lack of choice should be part of your decision process as to how you choose to invest for retirement. If the fess/selection is bad enough, you need to be vocal about it and request a change. Bad choices + no match, and maybe the account should be avoided, else just deposit to the match. Note - Keith thanks for catching and fixing one typo, I just caught another.\"",
"title": ""
},
{
"docid": "805eb47b11cca78c00063830acd132c6",
"text": "\"You have a few options: Option #1 - Leave the money where it is If your balance is over $5k - you should be able to leave the money in your former-employer's 401(k). The money will stay there and continue to be invested in the funds that you elect to invest in. You should at the very least be receiving quarterly statements for the account. Even better - you should have access to some type of an online account where you can transfer your investments, rebalance your account, conform to target, etc. If you do not have online account access than I'm sure you can still transfer investments and make trades via a paper form. Just reach out to the 401(k) TPA or Recordkeeper that administers your plan. Their contact info is on the quarterly statements you should be receiving. Option #2 - Rollover the money into your current employer's 401(k) plan. This is the option that I tend to recommend the most. Roll the money over into your current employer's 401(k) plan - this way all the money is in the same place and is invested in the funds that you elect. Let's say you wanted to transfer your investments to a new fund lineup. Right now - you have to fill out the paperwork or go through the online process twice (for both accounts). Moving the money to your current-employer's plan and having all the money in the same place eliminates this redundancy, and allows you to make one simple transfer of all your assets. Option #3 - Roll the money from your former-employer's plan into an IRA. This is a cool option, because now you have a new IRA with a new set of dollar limits. You can roll the money into a separate IRA - and contribute an additional $5,500 (or $6,500 if you are 50+ years of age). So this is cool because it gives you a chance to save even more for retirement. Many IRA companies give you a \"\"sign on bonus\"\" where if you rollover your former-employers 401(k)...they will give you a bonus (typically a few hundred bucks - but hey its free money!). Other things to note: Take a look at your plan document from your former-employer's 401(k) plan. Take a look at the fees. Compare the fees to your current-employer's plan. There could be a chance that the fees from your former-employer's plan are much higher than your current-employer. So this would just be yet another reason to move the money to your current-employer's plan. Don't forget you most likely have a financial advisor that oversees your current-employer's 401(k) plan. This financial advisor also probably takes fees from your account. So use his services! You are probably already paying for it! Talk to your HR at your employer and ask who the investment advisor is. Call the advisor and set up an appointment to talk about your retirement and financial goals. Ask him for his advice - its always nice talking to someone with experience face to face. Good luck with everything!\"",
"title": ""
},
{
"docid": "e2942910561dfc31946780b57e43f77f",
"text": "I completely agree with Pete that a 401(k) loan is not the answer, but I have an alternate proposal: Reduce your 401(k) contribution down to the 4% that you get a match on. If you are cash poor now and have debts to be cleaned up, those need to be addressed before retirement savings. You'll have plenty of time to make up the lost savings after you get the debts paid off. If your company matches 50% (meaning you have to contribute 8% to get the 4% match), then consider temporarily stopping your 401(k) altogether. A 100% match is very hard to give up, but a 50% match is less difficult. You have plenty of years left ahead of you to make up the lost match. Plus, the pain of knowing you're leaving money on the table will incentivize you to get the loans paid as quickly as possible. It seems to me that I would be reducing middle to high interest debt while also saving myself $150 per month. No, you'd be deferring $150 per month for an additional two years, and not reducing debt at all, just moving it to a different lender. Interest rate is not your problem. Right now you're paying less than $30 per month in interest on these 3 loans and about $270 in principal, and at the current rate should have them paid off in about 2 years. You're wanting to extend these loans to 4 years by borrowing from your retirement savings. I would buckle down, reduce expenses wherever possible (cable? cell phone? coffee? movies? restaurants?) until you get these debts paid off. You make $70,000 per year, or almost $6,000 per month. I bet if you try hard enough you can come up with $1,100 fairly quickly. Then the next $1,200 should come twice as fast. Then attack the next $4,000. (You can argue whether the $1,200 should come first because of the interest rate, but in the end it doesn't matter - either one should be paid off very quickly, so the interest saved is negligible) Maybe you can get one of them paid off, get yourself some breathing room, then loosen up a little bit, but extending the pain for an additional two years is not wise. Some more drastic measures:",
"title": ""
},
{
"docid": "8dd55b46d9c07218fb9f8baf97aa6c57",
"text": "There is Free employer money on both sides of the tax fence for some employees. On the pretax side, your employer may provide you a match. If so, invest the maximum to get 100% of the match. On the after tax side, many companies offers a 15% discount on ESPP plans and a one year hold. My wife has such an employer. The one year hold is fine because it allows us to be taxed at Long Term Capital gains if the stock goes up which is lower than our current income bracket. After creating a seasoned pool of stocks that we could sell after the one year hold, we are then able to sell the same number of stocks purchased each month. This provides a 17.6% guaranteed gain on a monthly basis. How much would you purchase if you had a guaranteed 17.6% return. Our answer is 15% (our maximum allowed). The other trick is that while the employer is collecting the money, you will purchase the stock at the lowest day of the period. You will usually sell for even more than the purchase price unless the day purchased was the lowest day of month. The trick is to reinvest the money in tax free investments to balance out the pretax investing. Never leave the money in the plan. That is too much risk.",
"title": ""
},
{
"docid": "67f1e3d6f0554611cc1f6864f874b742",
"text": "If your plan permits loans, deposit enough through the year to maximize the match and then take a loan from the plan. Use the loan portion to pay your student loan. Essentially you have refinanced your debt at a (presumably) lower rate and recieved the match. You pay yourself back (with interest) through your payroll. The rates are typically the prime rate + 1%. The loans are subject to a lesser of 50% vested account balance or $50,000 provision.",
"title": ""
},
{
"docid": "6cc7118948c58336c684479e9e60faa0",
"text": "\"Your initial plan (of minimizing your interest rate, and taking advantage of the 401(k) match) makes sense, except I would put the 401(k) money in a very low risk investment (such as a money market fund) while the stock market seems to be in a bear market. How to decide when the stock market is in a bear market is a separate question. You earn a 100% return immediately on money that receives the company match -- provided that you stay at the company long enough for the company match to \"\"vest\"\". This immediate 100% return far exceeds the 3.25% return by paying down debt. As long as it makes sense to keep your retirement funds in low-risk, low-return investments, it makes more sense to use your remaining free cash flow to pay down debts than to save extra money in retirement funds. After setting aside the 6% of your income that is eligible for the company match, you should be able to rapidly pay down your debts. This will make it far easier for you to qualify for a mortgage later on. Also, if you can pay off your debt in a couple years, you will minimize your risk from the proposed variable rate. First, there will be fewer chances for the rate to go up. Second, even if the rate does go up, you will not owe the money very long.\"",
"title": ""
},
{
"docid": "4ac06d29174fb08de0840360fe7e7576",
"text": "If you leave your employer at age 55 or older, you can withdraw with no penalty. Mandatory 20% withholding, but no penalty. You reconcile in April, and may get it all back. If you are sub 55, the option is a Sec 72t withdrawal. The author of the article got it right. I am a fan of his.",
"title": ""
},
{
"docid": "2d0ca4aa62e63f9d94c1702c75d5c991",
"text": "\"Unless your 401(k) plan is particularly good (i.e. good fund choices with low fees), you probably want to contribute enough to get the maximum match from your employer, then contribute to an IRA through a low-cost brokerage like Vanguard or Fidelity, then contribute more to your 401(k). As JoeTaxpayer said, contributions to a Roth IRA can be withdrawn tax- and penalty-free, so they are useful for early retirement. But certainly use your 401(k) as well--the tax benefits almost certainly outweigh the difficulty in accessing your money. JB King's link listing ways to access retirement money before the traditional age is fairly exhaustive. One of the main ways you may want to consider that hasn't been highlighted yet is IRS section 72(t) i.e. substantially equal periodic payments (SEPP). With this rule you can withdraw early from retirement plans without penalties. You have a few different ways of calculating the withdrawal amount. The main risk is you have to keep withdrawing that amount for the greater of five years or until you reach age 59½. In your case this is is only 4-5 years, which isn't too bad. Finally, in addition to being able to withdraw from a Roth IRA tax- and penalty-free, you can do the same for Roth conversions, provided 5 years have passed. So after you leave a job, you can rollover 401(k) money to a traditional IRA, then convert to a Roth IRA (the caveat being you have to pay taxes on the amount as income at this point). But after 5 years you can access the money without penalty, and no taxes since they've already been paid. This is commonly called a \"\"Roth conversion ladder\"\".\"",
"title": ""
},
{
"docid": "43a78fcd31371bbbbdbcf6739ea5f36a",
"text": "All other things being equal, you might be better off contributing to a IRA that is a brokerage account. You will have lots of flexibility in your investments and there would probably not be fees for the account itself. You might incur commissions for trading and/or owning mutual funds that are charged by the funds themselves. You won't be able to borrow from an IRA, as opposed to a 401K. IMHO, that is a good thing. Are you suggesting that you would withdraw early from a retirement account? You'd probably be better off not doing that. Assuming a large salary, you would be paying 43% to withdraw your money early. Would you accept a loan at 43% interest? You are probably better off not putting the money in in the first place to accomplish your goals, then withdrawing it early. Most people opt for a 401K for two reasons. The company match and ease of investment make a compelling argument. Keep in mind if a 401K is available to you, regardless if you particpate, you start phasing out your IRA deduction at 60K a year (single) or 96K (married). Given your huge salary comments I imagine an IRA would not be an option in your scenario. Given that, if you leave a job, you can roll your 401K balance into a trading account.",
"title": ""
},
{
"docid": "f2c4eab2810ccc0b15655f56cb180ce9",
"text": "Specifically on the subject of maxing out your 401k, there are several downsides: The employer match usually only applies to the first 6%. Some employers offer no match at all. You listed the match as a pro, but I think it should be pointed out that you can usually get this benefit without maxing out your plan. The investment options are limited. Usually there is at least one fund available from all the common investment classes, but these may not be your preferred funds if you were able to choose for yourself. Fees can be very high. If you are working for a small to medium size company, the fees for each fund will often be higher than for the same funds in a plan offered by a large company. Fees are usually related to the dollar amount of assets under management. Each person has a different tax situation, so if you are single and making 6 figures, you might still be in the 25% bracket even after maxing out your 401k, but the same person filing jointly with a spouse that makes less could get down to the 15% bracket with a smaller contribution. I meet my retirement savings goals without maxing out the 401k. As long as the amount is above the employer match amount, my second priority is to funnel as much money as possible in to my IRA (because I get lower fees and better investment options from Vanguard).",
"title": ""
},
{
"docid": "45b65cd59a4b30d804d43bdb6d402be5",
"text": "Here's my thoughts on the subject:",
"title": ""
}
] |
fiqa
|
1b660efce20ad803699393b08a091e91
|
Can I buy IPO stock during the pre-market trading on the day of IPO?
|
[
{
"docid": "9823767759e3d43146cfab231ab5ed36",
"text": "The first moment of trading usually occurs even later than that. It may take a few hours to balance the current buy/sell orders and open the stock. Watch CNBC when a hot IPO is about to open and you'll see the process in real time. If you miss it, look at a one day Yahoo chart to see when the open occurred.",
"title": ""
}
] |
[
{
"docid": "d842df2edcb6060ea67ec2da23855a0c",
"text": "The best thing to do is not worry about what time is best to buy but put in a conditional order before the market opens. If your conditions are met during the trading day your order will go through and you will buy the shares. This keeps your emotions out of your trading and will stop you from either chasing the market or buying when you consider the wrong time. As you have already done your analysis and made your decision before market open, thus you should place your conditional orders and stop losses before market opens as well.",
"title": ""
},
{
"docid": "4e469e94c4147cd6d8400187f1aef89c",
"text": "\"In a sense, yes. There's a view in Yahoo Finance that looks like this For this particular stock, a market order for 3000 shares (not even $4000, this is a reasonably small figure) will move the stock past $1.34, more than a 3% move. Say, on the Ask side there are 100,000 shares, all with $10 ask. It would take a lot of orders to purchase all these shares, so for a while, the price may stay right at $10, or a bit lower if there are those willing to sell lower. But, say that side showed $10 1000, $10.25 500, $10.50 1000. Now, the volume is so low that if I decided I wanted shares at any price, my order, a market order will actually drive the market price right up to $10.50 if I buy 2500 shares \"\"market\"\". You see, however, even though I'm a small trader, I drove the price up. But now that the price is $10.50 when I go to sell all 2500 at $10.50, there are no bids to pay that much, so the price the next trade will occur at isn't known yet. There may be bids at $10, with asking (me) at $10.50. No trades will happen until a seller takes the $10 bid or other buyers and sellers come in.\"",
"title": ""
},
{
"docid": "81274911372a5638c5f3fdc2923a01e8",
"text": "Yes, an investment can be made in a company before IPO. The valuation process is similar as that done for arriving at IPO or for a normal listed company. The difference may be the premium perceived for the idea in question. This would differ from one investor to other. For example, whether Facebook will be able to grow at the rate and generate enough revenues and win against competition is all a mathematical model based on projections. There are quite a few times the projection would go wrong, and quite a few times it would go correct. An individual investor cannot generally borrow from banks to invest into a company (listed or otherwise) (or for any other purpose) if he does not have any collateral that can be kept as security by the bank. An individual can get a loan only if he has sufficient collateral. The exceptions being small personal loans depending on one's credit history. The Private Equity placement arm of banks or firms in the business of private equity invest in start-up and most of the time make an educated guess based on their experience. More than half of their investments into start-ups end up as wiped out. An occasional one or two companies are ones that they make a windfall gain on.",
"title": ""
},
{
"docid": "61bc645ef3b01771149a23f8141b68c6",
"text": "\"IPO's are priced so that there's a pop\"\" on the opening day.\"\" If I were IPOing my company and the price \"\"popped\"\" on the open, I would think the underwriter priced it too low. In fact if I were to IPO, I'd seek an underwriter whose offerings consistently traded on the first day pretty unchanged. That means they priced it correctly. In the 90's IPO boom, there were stocks that opened up 3X and more. The original owners must have been pretty upset as the poor pricing guidance the underwriter offered.\"",
"title": ""
},
{
"docid": "98ca4d549287c7ab43dc505cd88d3e6b",
"text": "Not that I am aware. There are times that an option is available, but none have traded yet, and it takes a request to get a bid/ask, or you can make an offer and see if it's accepted. But the option chain itself has to be open.",
"title": ""
},
{
"docid": "e2af9972a68c96a38eb32a69ff0d49fc",
"text": "The stock tends to drop by the amount of the dividend -- or if you prefer to think of it this way, the stock price has been pushed up by the amount of the dividend before it was paid out. Really, all this shift does is factor out the impending dividend's effect on the real purchase cost of the stock. As such it's pretty much irrelevant except that, of course, the dividend is short-term gain that you have to pay taxes on almost immediately. Which also tends to get figured into the price folks are willing to pay for the stock. Conclusion: no, there's no real opportunity here. There's a slight tax reason to avoid buying right before dividends are paid, but that's about it. Basic principle: If it's simple and obvious,the market has already accounted for it.",
"title": ""
},
{
"docid": "1dc5ad53dbebd7ef9cc8e2a028298b67",
"text": "\"You are probably going to hate my answer, but... If there was an easy way to ID stocks like FB that were going to do what FB did, then those stocks wouldn't exist and do that because they would be priced higher at the IPO. The fact is there is always some doubt, no one knows the future, and sometimes value only becomes clear with time. Everyone wants to buy a stock before it rises right? It will only be worth a rise if it makes more profit though, and once it is established as making more profit the price will be already up, because why wouldn't it be? That means to buy a real winner you have to buy before it is completely obvious to everyone that it is going to make more profit in the future, and that means stock prices trade at speculative prices, based on expected future performance, not current or past performance. Now I'm not saying past and future performance has nothing in common, but there is a reason that a thousand financially oriented websites quote a disclaimer like \"\"past performance is not necessarily a guide to future performance\"\". Now maybe this is sort of obvious, but looking at your image, excluding things like market capital that you've not restricted, the PE ratio is based on CURRENT price and PAST earnings, the dividend yield is based on PAST publications of what the dividend will be and CURRENT price, the price to book is based on PAST publication of the company balance sheet and CURRENT price, the EPS is based on PAST earnings and the published number of shares, and the ROI and net profit margin in based on published PAST profits and earnings and costs and number of shares. So it must be understood that every criteria chosen is PAST data that analysts have been looking at for a lot longer than you have with a lot more additional information and experience with it. The only information that is even CURRENT is the price. Thus, my ultimate conclusive point is, you can't based your stock picks on criteria like this because it's based on past information and current stock price, and the current stock price is based on the markets opinion of relative future performance. The only way to make a good stock pick is understand the business, understand its market, and possibly understand world economics as it pertains to that market and business. You can use various criteria as an initial filter to find companies and investigate them, but which criteria you use is entirely your preference. You might invest only in profitable companies (ones that make money and probably pay regular dividends), thus excluding something like an oil exploration company, which will just lose money, and lose it, and lose some more, forever... unless it hits the jackpot, in which case you might suddenly find yourself sitting on a huge profit. It's a question of risk and preference. Regarding your concern for false data. Google defines the Return on investment (TTM) (%) as: Trailing twelve month Income after taxes divided by the average (Total Long-Term Debt + Long-Term Liabilities + Shareholders Equity), expressed as a percentage. If you really think they have it wrong you could contact them, but it's probably correct for whatever past data or last annual financial results it's based on.\"",
"title": ""
},
{
"docid": "29050af1eb0ce23eddc1386d2c84678b",
"text": "Publicly traded companies perform dilution via an FPO (Follow-up Public Offer). It is a process similar to IPO, with announcements, prospectus, etc. You will know ahead of time when that happen. Stocks traded OTC are not required to file a lot of regulatory documents that publicly traded stocks are required to file, and may not disclose dilutions or additional issues. By buying OTC you agree to these terms. You will probably get a notice and a chance to vote on that in your proxy statement, but that happens when you already own the stock.",
"title": ""
},
{
"docid": "d18a0ebdd505f1bbcec3d7ff88ceaf59",
"text": "\"No, assuming by \"\"public company\"\" you mean a corporation. The shareholder's individual liability is limited to their investment. Your shares can go to zero value, but that's the limit. EDIT In regard to the follow-up question in the comments: \"\"Are all companies in the stock market corporations?\"\" the answer is definitely \"\"no.\"\" I cannot say much about other countries, but the US markets have some entities which are known as \"\"master limited partnerships.\"\" These trade shares on the market by the usual rules, but if you buy you become a partner in the company rather than a shareholder. You still have limited liability in this case, but there will be differences, for example, in how you're are taxed.\"",
"title": ""
},
{
"docid": "7398abe8544fccf27a34b60e839f28b3",
"text": "You can check whether the company whose stock you want to buy is present on an european market. For instance this is the case for Apple at Frankfurt.",
"title": ""
},
{
"docid": "0ca405224c5eb80b97e9c9a2ecccc177",
"text": "\"Yes, this is possible with some companies. When you buy shares of stock through a stock broker, the shares are kept in \"\"street name.\"\" That means that the shares are registered to the broker, not to you. That makes it easy to sell the stock later. The stock broker keeps track of who actually owns which shares. The system works well, and there are legal protections in place to protect the investors' assets. You can request that your broker change the stock to your name and request a certificate from the company. However, companies are no longer required to do this, and some won't. Your broker will charge you a fee for this service. Alternatively, if you really only want one share for decoration, there are companies that specialize in selling shares of stock with certificates. Two of them are giveashare.com and uniquestockgift.com, which offer one real share of stock with a stock certificate in certain popular companies. (Note: I have no experience with either one.) Some companies no longer issue new stock certificates; for those, these services sell you a replica stock certificate along with a real share of electronic stock. (This is now the case for Disney and Apple.) With your stock certificate, you are an actual official stockholder, entitled to dividends and a vote at the shareholder meeting. If this is strictly an investment for you, consider the advantages of street name shares: As to your question on buying stock directly from a company and bypassing a broker altogether, see Can I buy stocks directly from a public company?\"",
"title": ""
},
{
"docid": "ec97ff8dff0ff6e13b83af5bc0991dcf",
"text": "\"There are no \"\"rules\"\" about how the price should act after an IPO, so there are no guarantee that a \"\"pop\"\" would appear at the opening day. But when an IPO is done, it's typically underpriced. On average, the shares are 10% up at the end of the first day after the IPO (I don't have the source that, I just remember that from some finance course). Also, after the IPO, the underwriter can be asked to support the trading of the share for a certain period of time. That is the so called stabilizing agent. They have few obligations like: This price support in often done by a repurchase of some of the shares of poorly performing IPO. EDIT: Informations about the overallotment pool. When the IPO is done, a certain number of client buy the shares issued by the company. The underwriter, with the clients, can decide to create an overallotment pool, where the clients would get a little more shares (hence \"\"overallotment\"\"), but this time the shares are not issued by the company but by the underwriter. To put it another way, the underwriter oversell and becomes short by a certain number of shares (limited to 15% of the IPO). In exchange for the risk taken by this overallotment, the underwriter gets a greenshoe option from the clients, that will allows the underwriter to buy back the oversold shares, at the price of the IPO, from the clients. The idea behind this option is to avoid a market exposure for the underwriter. So, after the IPO: If the price goes down, the underwriter buys back on the market the overshorted shares and makes a profits. If the price goes up, the company exercise the greenshoe option buy the shares at the IPO prices (throught the overallotment pool, that is, the additional shares that the clients wanted ) to avoid suffering a loss.\"",
"title": ""
},
{
"docid": "23497b6f874834bdef745b5d043aa47b",
"text": "\"I have an account with ETrade. Earlier this week I got an offer to participate in the IPO proper (at the IPO price). If Charles Schwab doesn't give you the opportunity, that's a shortcoming of them as a brokerage firm; there are definitely ways for retail investors to invest in it, wise investment or no. (Okay, technically it wasn't an offer to participate, it was a notice that participation was possibly available, various securities-law disclaimers etc withstanding. \"\"This Web site is neither an offer to sell nor a solicitation to buy these securities. The offer is by prospectus only. This Web site contains a preliminary prospectus for each offering.\"\" etc etc).\"",
"title": ""
},
{
"docid": "9e3ff70d673ea0b90ebb4dfad1c9e4e6",
"text": "I didn't say only the IPO I just said public offerings. Trades between secondary investors would be taxed at a higher level. I also understand the difference between loaning money to a company and investing in equity. Personally I think that loans are underused in today's investment world because people are too focused on getting the most out of the few big winners.",
"title": ""
},
{
"docid": "e3542af0fa7a035b01c65284f3a39088",
"text": "Investment banks don't have to buy anything. If they don't think the stock is worth buying - they won't. If they think it is - others on the secondary market will probably think so too. Initial public offering is offering to the public - i.e.: theoretically anyone can participate and purchase stocks. The major investment firms are not buying the stocks for themselves - but for their clients who are participating in this IPO. I, for example, receive email notifications from my brokerage firm each time there's another IPO that they have access to, and I can ask the brokerage to buy stocks from the IPO on my behalf. When that happens - they don't buy the stocks themselves and then sell to me. No, what happens is that I buy a stock, through them, and they charge me a commission for the service. Usually IPO participation commissions are higher than regular trading commissions. Most of the time those who purchase stocks at IPO are institutional investors - i.e.: mutual funds, pension plans, investment banks for their managed accounts, etc. Retail investors would probably not participate in the IPO because of the costs, limited access (not all the brokerage firms have access to all the IPOs), and the uncertainty, and rather purchase the stocks later on a secondary market.",
"title": ""
}
] |
fiqa
|
a5c1ee9fc0bc954d8e4b4677b916af3e
|
What are the tax implications on selling the Share ISA portfolio?
|
[
{
"docid": "9d0d5b0d1bc8154d735d76a1fd2eed2a",
"text": "Assets held within an ISA or New ISA are completely free of CGT, so you won't have to pay either income tax or capital gains tax.",
"title": ""
}
] |
[
{
"docid": "4cdfa5eb579e2b1f99667e415dc13ca6",
"text": "An order is not a transaction. It is a request to make a transaction. If the transaction never occurs (e.g. because you cancel the order), then no fees should be charged. will I get the stamp duty back (the 0.5% tax I paid on the shares purchase) when I sell the shares? I'm not a UK tax expert, but accorging to this page is seems like you only pay stamp tax when you buy shares, and don't get it back when you sell (but may be responsible for capital gains taxes). That makes sense, because there's always a buyer and a seller, so if you got the tax back when you sold, the tax would effectively be transferred from the buyer to the seller, and the government would never collect anything.",
"title": ""
},
{
"docid": "c19b78f78af7693dd861a52545445c8a",
"text": "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 in each tax year.",
"title": ""
},
{
"docid": "86c02effdb691f1d65361e398e167b86",
"text": "According to HMRC it seems that if you overpay, then at least part of the interest generated by that ISA is taxable (emphasis mine): If, by mistake, you put more than £10,680 into your ISAs in a tax year, the excess payments are invalid, and you are not entitled to any tax relief on investments purchased with the excess payments. You should not try to correct this mistake yourself. Instead, you should call the ISA Helpline and explain the problem to them. They will advise you what action you need to take. However, as AlexMuller pointed out, HMRC also states (in section 6.1 here) that the ISA Manager (ie. the bank/building society) should not allow you to overpay. Managers’ systems must ensure that ... no more than the cash ISA subscription limit can be subscribed to a cash ISA in a tax year and that no more than the overall subscription limit can be subscribed to a stocks and shares ISA in a tax year. As to what an individual ISA Manager would do should you attempt to over-pay, I imagine it would vary from Manager to Manager. ING Direct, for example, has the following policy (Taken from Section 12.5 here): ...f you send us a payment for an amount which would take you over the ISA investment limit under the ISA Regulations, we will send the excess above the investment limit, or, if you sent us the payment by cheque, the whole of that payment, back to you.",
"title": ""
},
{
"docid": "ab34b60120cf23ddbbbff6347b3fc837",
"text": "I believe your last requirement is the main problem. AIUI the law requires that ISA providers allow withdrawals. They can require a notice period and they can penalise you (e.g. via lost interest) for withdrawing but they cannot prevent you accessing your money for an extended period.",
"title": ""
},
{
"docid": "55b1341a3a982569d7c490daba32c0b2",
"text": "\"I don't think blanket answers are very helpful. You are asking the right question when you are young! You have a large number of investment options and Australia has the Superannuation system that you can extract significant tax value from. I've not attempted to grade these with regard to \"\"risk\"\", as different people will rate various things with different levels, depending on their experience and knowledge. Consider the following factors for you:-\"",
"title": ""
},
{
"docid": "271b245c66784da2295c00234b95afee",
"text": "Not knowing the US laws at all, you should worry more about having the best stock portfolio and less about taxes. My 0,02€",
"title": ""
},
{
"docid": "6ff9928c031afb43520082e791325731",
"text": "(I'm assuming the tag of United-states is accurate) Yes, the remaining amount is tax free -- at the current price. If you sell at exactly the original price, there is no capital gain, no capital loss. So you've already payed the taxes. If you sell and there is a capital gain of $3000, then you will pay taxes on the $3000. If 33% is your marginal tax rate, and if you held the stock for less than a year, then you will keep $7000 and pay taxes of $1000. Somehow, I doubt your marginal tax rate is 33%. If you hold the stock for a year after eTrade sold some for you to pay taxes, then you will pay 15% on the gain -- or $450. eTrade sold the shares to pay the taxes generated by the income. Yes, those shares were considered income. If you sell and have a loss, well, life sucks. However, if you sell something else, you can use the loss to offset the other gain. So if you sell stock A for a loss of $3000, and sell stock B at a gain of $4000, then you pay taxes on the net of $1000.",
"title": ""
},
{
"docid": "bc1e558425d3536d26b4dd208926dff9",
"text": "You can't actually transfer shares directly unless they were obtained as part of an employee share scheme - see the answers to questions 19 and 20 on this page: http://www.hmrc.gov.uk/isa/faqs.htm#19 Q. Can I put shares from my employee share scheme into my ISA? A. You can transfer any shares you get from into a stocks and shares component of an ISA without having to pay Capital Gains Tax - provided your ISA manager agrees to take them. The value of the shares at the date of transfer counts towards the annual limit. This means you can transfer up to £11,520 worth of shares in the tax year 2013-14 (assuming that you make no other subscriptions to ISAs, in those years). You must transfer the shares within 90 days from the day they cease to be subject to the Plan, or (for approved SAYE share option schemes) 90 days of the exercise of option date. Your employer should be able to tell you more. Q. Can I put windfall or inherited shares in my ISA? A. No. You can only transfer shares you own into an ISA if they have come from an employee share scheme. Otherwise, the ISA manager must purchase shares on the open market. The situation is the same if you have shares that you have inherited. You are not able to transfer them into an ISA.",
"title": ""
},
{
"docid": "19ada7d27de09ad5f1e7666426b99453",
"text": "Good question - I know you can keep the ISA in the UK and it won't lose its tax free status but you're not able to contribute it while you're not a UK resident. Not that its tax free status buys you that much if you're a non-resident as you could apply to receive tax gross on pretty much any savings account anyway. Given that the idea of tax-free saving outside a retirement account doesn't really exist here in the US I would assume that you will have to declare the interest as income and, if you don't pay any other taxes in the UK that would cover the amount you'd have to pay on your ISA under the foreign tax credit, you'd end up giving the IRS their pound of flesh. As I mentioned in an answer to a previous question, you really need to talk to an US accountant/CPA, preferably one that is familiar with UK taxation law as well.",
"title": ""
},
{
"docid": "53720fddbf0df8c29e3e5b29b5020ce1",
"text": "Is selling Vested RSU is the same as selling a regular stock? Yes. Your basis (to calculate the gain) is what you've been taxed on when the RSUs vested. Check your payslips/W2 for that period, and the employer should probably have sent you detailed information about that. I'm not a US citizen, my account is in ETrade and my stocks are of a US company, what pre arrangements I need to take to avoid tax issues? You will pay capital gains taxes on the sale in Israel. Depending on where you were when you earned the stocks and what taxes you paid then - it may open additional issues with the Israeli tax authority. Check with an Israeli tax adviser/accountant.",
"title": ""
},
{
"docid": "2b133809001c7e3d3f51e49843bcb3d8",
"text": "I'm not going to tackle the 2nd part of your question, as any number of the questions tagged with international-transfer should cover you on that. There's no way to transfer an ISA into an Australian tax-free savings account, so no need to worry about anything special there. Don't forget that the FX rates change quite a bit over time, and different methods have varying fees, so moving at the wrong time could easily cost you more than the missed interest! For the first part, it depends. One thing you should seriously consider right away is switching your ISA money into one paying a better rate. Check the best-buy tables online or in a paper, as you can get a lot better than 0.1% on a transfer in, even with current depressed rates. At least that way you'll earn more interest while you decide. As for when to transfer, that's something you'll have to calculate for yourself, based on your marginal tax rate, and your view of how the FX rates will shift. If you're a 40% taxpayer, then 2% in an ISA is worth the same to you as 3.3% gross. Don't forget to consider both your UK and Australian tax rates in the year you move, as most likely you'll have to pay the higher of the two. The westpac rate looks like you might struggle to beat a decent ISA over the course of a year, were you a higher rate tax payer. Oh, and don't forget that you'll likely loose the tax-free status of your ISA once you're an Australian tax resident, so you'll need to start paying tax on interest earnt in the ISA once you're out there.",
"title": ""
},
{
"docid": "586200e8f685acbfec8ff09bf4bec44f",
"text": "If the portfolio itself is taxable, then yes; if you have two stocks and you're rebalancing them, without using new cash, you are forced to sell one stock to buy another. That sale is taxable, unless you're in some sort of tax deferred/deductible account, such as an IRA. If you're talking about you being in a mutual fund and the fund itself rebalances, the same rules apply as above, though indirectly; you'll have capital gains realized and distributed to you, those gains will be taxed unless, again, your account is a retirement account.",
"title": ""
},
{
"docid": "460ebdb56d37f72732e2748e258714c7",
"text": "1) You parents will have to pay tax on the gain as it wasn't their primary home. You don’t pay Capital Gains Tax when you sell (or ‘dispose of’) your home if all of the following apply: As I look at it, it is your parents are the ones who own the property and they will have to pay on £60000. But as you say you pay part of the mortgage, I would go to a tax advisor/accountant to confirm if they will only pay on the £15000. I couldn't find any guidance on that matter on gov.uk 2) Inheritance tax will not be levied on it as it is below £325000, but tax will be levied on £325000, less £3000 annual gift allowance. Two articles for further information - GOV.UK's Tax when you sell your home Money.co.UK's Gifting money to your children: FAQs",
"title": ""
},
{
"docid": "c6d3a46eb56646f68888503be0d54000",
"text": "Selling one fund and buying another will incur capital gains tax on the sale for the amount of the gain. I'm not aware of any sort of exemption available due to you moving out of the country. However, long-term capital gains for low-tax-bracket taxpayers is 0%. As long as your total income including the gains fits within the 15% regular tax bracket, you don't pay any long-term capital gains. Options for you that I see to avoid taxes are: Note that even if you do sell it all, it's only the amount of gains that would take your income over the 15% normal tax bracket that would be taxed at the long-term rate of 15%, which may not end up being that much of a tax hit. It may be worth calculating just how bad it would be based on your actual income. Also note that all I'm saying here is for US federal income taxes. The state you most recently lived in may still charge taxes if you're still considered a resident there in some fashion, and I don't know if your new home's government may try to take a cut as well.",
"title": ""
},
{
"docid": "baab9e968a5242addcfbf29340c1d5ce",
"text": "The mathematical answer is for you to have a diversified portfolio in your ISA. But that's easier said than done.",
"title": ""
}
] |
fiqa
|
537e132a674ca670a229c10e4aa93979
|
Does receiving a 1099-MISC require one to file a tax return even if he normally would not be required to file?
|
[
{
"docid": "f32d820d97c3f202be1a3c1a88a1820b",
"text": "\"Does he need to file a tax return in this situation? Will the IRS be concerned that he did not file even if he received a 1099? No. However, if you don't file the IRS may come back asking why, or \"\"make up\"\" a return for you assuming that the whole amount on the 1099-MISC is your net earnings. So in the end, I suspect you'll end up filing even though you don't have to, just to prove that you don't have to. Bottom line - if you have 1099 income (or any other income reported to the IRS that brings you over the filing threshold), file a return.\"",
"title": ""
}
] |
[
{
"docid": "57fbee9831e6442f6cf8d4f9f3c712b6",
"text": "I can't find specific information for Form 1099-DIV for this tax year. However, I found this quote for next tax season that talks about Form 1099-B: Due date for certain statements sent to recipients. The due date for furnishing statements to recipients for Forms 1099-B, 1099-S, and 1099-MISC (if amounts are reported in box 8 or 14) is February 15, 2018. [emphasis added] I know many brokerages bundle the 1099-DIV with the 1099-B, so one might assume that the deadlines are the same. February 15 seems consistent with the messages I got from my brokerages that said the forms will be mailed by mid-February.",
"title": ""
},
{
"docid": "cf1c0c8f4ce07239858da167fbbcade1",
"text": "You can and are supposed to report self-employment income on Schedule C (or C-EZ if eligible, which a programmer likely is) even when the payer isn't required to give you 1099-MISC (or 1099-K for a payment network now). From there, after deducting permitted expenses, it flows to 1040 (for income tax) and Schedule SE (for self-employment tax). See https://www.irs.gov/individuals/self-employed for some basics and lots of useful links. If this income is large enough your tax on it will be more than $1000, you may need to make quarterly estimated payments (OR if you also have a 'day job' have that employer increase your withholding) to avoid an underpayment penalty. But if this is the first year you have significant self-employment income (or other taxable but unwithheld income like realized capital gains) and your economic/tax situation is otherwise unchanged -- i.e. you have the same (or more) payroll income with the same (or more) withholding -- then there is a 'safe harbor': if your withholding plus estimated payments this year is too low to pay this year's tax but it is enough to pay last year's tax you escape the penalty. (You still need to pay the tax due, of course, so keep the funds available for that.) At the end of the first year when you prepare your return you will see how the numbers work out and can more easily do a good estimate for the following year(s). A single-member LLC or 'S' corp is usually disregarded for tax purposes, although you can elect otherwise, while a (traditional) 'C' corp is more complicated and AIUI out-of-scope for this Stack; see https://www.irs.gov/businesses/small-businesses-self-employed/business-structures for more.",
"title": ""
},
{
"docid": "54f174f29e2d2d7d644ab1b8ced2a5f7",
"text": "Form 10-K is filed by corporations to SEC. You must be thinking of form 1065 (its schedule K) that a partnership (and multi-member LLC) must file with the IRS. Unless the multi-member LLC is legally dissolved, it must file this form. You're a member, so it is your responsibility, with all the other members, to make sure that the manager files all the forms, and if the manager doesn't - fire the manager and appoint another one (or, if its member managed - chose a different member to manage). If you're a sole member of the LLC - then you don't need to file any forms with the IRS, all the business expenses and credits are done on your Schedule C, as if you were a sole propriator.",
"title": ""
},
{
"docid": "8c44c3df83ffe71f83ceaba813b6c91a",
"text": "\"Form W-9 (officially, the \"\"Request for Taxpayer Identification Number and Certification\"\") is used in the United States income tax system by a third party who must file an information return with the Internal Revenue Service (IRS). It requests the name, address, and taxpayer identification information of a taxpayer (in the form of a Social Security Number or Employer Identification Number). A W-9 is typically required when an individual is doing work, as a contractor or as an employee, for a company and will be paid more than $600 in a tax-year. The company is required to file a W-2 or a 1099 and so requests a W-9 to get the information necessary for those forms. I cannot say if it is incompetence on the part of the accounting department or a deliberate ploy to make the refund process more onerous, but do not comply. Politely nsist on a refund without any further information. If the company refuses, request a charge-back from the credit-card company, file a complaint with the consumer-protection department of the state where the company is located, and write a bad review on Yelp or wherever else seems appropriate.\"",
"title": ""
},
{
"docid": "d4e6fe0aa15ee2e3158e55925b69ad93",
"text": "No, do not file a Form 1099. You should not issue a form to yourself and you have no separate entity to issue one. The reporting obligation is Form 1040, plus Schedule C. You may have followed a wrong turn somewhere in the TurboTax questionnaire or it may not have picked up the subtleties of your situation. The business income is already yours. Some writers use vehicles to hold their royalties and pay themselves. The questionnaire may have been trying to get at this issue or may have wrongly assumed it. There are special rules around such entities, so getting an adviser is a good idea. For now, just file Schedule C, remember to deduct your costs (e.g. cost to print the books), and pay your self-employment tax.",
"title": ""
},
{
"docid": "df1e56fb20ac2062c3ea4d7c85015ded",
"text": "\"If you're single, the only solution I'm aware of, assuming you are truly getting a 1099-misc and not a W-2 (and don't have a W-2 option available, like TAing), is to save in a nondeductible account for now. Then, when you later do have a job, use that nondeductible account (in part) to fund your retirement accounts. Particularly the first few years (if you're a \"\"young\"\" grad student in particular), you'll probably be low enough on the income side that you can fit this in - in particular if you've got a 401k or 403b plan at work; make your from-salary contributions there, and make deductible IRA or Roth IRA contributions from your in-school savings. If you're not single, or even if you are single but have a child, you have a few other options. Spouses who don't have earned income, but have a spouse who does, can set up a Spousal IRA. You can then, combined, save up to your spouse's total earned income (or the usual per-person maximums). So if you are married and your wife/husband works, you can essentially count his/her earned income towards your earned income. Second, if you have a child, consider setting up a 529 plan for them. You're probably going to want to do this anyway, right? You can even do this for a niece or nephew, if you're feeling generous.\"",
"title": ""
},
{
"docid": "afbca4d29419bb73a19199c8112612b3",
"text": "\"If you are in the US, you legally must file taxes on any income whatsoever. How much you will pay in taxes, if any, will depend on your total taxable income. Now, for small transactions, the payments are often not reported to the IRS so some people do not file or pay. The threshold at which they payer is required to send a 1099 to the IRS is $600. Patreon considers each donation a separate transaction and therefore does not send a 1099 to the IRS unless you make more than $20,000 in a calendar year. If they do not report it, the IRS will not know about it unless they audit you or something. However, you are technically and legally responsible to report income whether the IRS knows about it or not. -------- EDIT ------- Note that the payer files a 1099, not the recipient. In order to report your patreon income you will either use schedule C or add it to the amount on 1040 line 21 (\"\"other income\"\") depending on whether you consider this a business or a hobby. If it's a business and it's a lot of money you should consider sending in quarterly payments using a 1040-ES in order to avoid a penalty for too little withholding.\"",
"title": ""
},
{
"docid": "e3ec07a7084d37b0262ffb6813149b45",
"text": "Residents pay tax on all of the income they receive during the calendar year from all sources, so you'll at least need to file and pay New York state income taxes on this money regardless. I can't answer whether you'll need to file and pay Colorado state income tax on this money as well. Generally speaking, you need to file a return for each state in which you live, receive income, or have business interests. If you are required to file a Colorado state income tax return, however, you can claim a credit for taxes paid to another state on your New York state income tax return using form IT-112-R (see the form and instructions).",
"title": ""
},
{
"docid": "dfa301d072f1ede64d7a19321e3d22e0",
"text": "You are not required to file a tax return in Canada if you have no taxable income. If you do not file a return you may be requested to by Canada Revenue Agency, and then you'll need to file one. There are hundreds of thousands of Canadian residents who do not file tax returns. The Minister who overlooks the CRA may assess any amount of taxes on any resident whether they file a return or not. There are penalties for failing to file a return or filing late. The penalties are based on a percentage of the taxes owed. If you owe no taxes, then the penalties are meaningless.",
"title": ""
},
{
"docid": "28526f65abdc2985664cffeb477ba4eb",
"text": "\"IRS Pub 554 states (click to read full IRS doc): \"\"Do not file a federal income tax return if you do not meet the filing requirements and are not due a refund. ... If you are a U.S. citizen or resident alien, you must file a return if your gross income for the year was at least the amount shown on the appropriate line in Table 1-1 below. \"\" You may not have wage income, but you will probably have interest, dividend, capital gains, or proceeds from sale of a house (and there is a special note that you must file in this case, even if you enjoy the exclusion for primary residence)\"",
"title": ""
},
{
"docid": "4645e910fa7f0f30aa582dcc00e85207",
"text": "In many cases, you are required to file your taxes by law even if you won't owe. If it's anything like in the US, it's quite possible your employer is not taking the right amount and you may owe more or may even be in line for a return. http://www.usatax.ca/Pages/filing_requirement_taxes_canada.html",
"title": ""
},
{
"docid": "fb32224abbecd0111b8671b4ed22d88a",
"text": "In Singapore, this is sufficiently common that the Singapore IRS has a page on their website dedicated to informing employers of how to properly pay this under Responsibilites of an Employer. Specifically, tax paid by employer is taxable income for the employee (as it's really the employee's responsibility), so they must pay tax for that tax. A tax-on-tax is computed for the tax paid, which also would be owed by the employer if they were paying the full tax rate for the employee. As a clarification, this is not the employer being truly responsible for the employee's income; this is the employer compensating the employee further to offset their taxable income. This is effectively a fringe benefit, although it may be particularly useful in countries where either tax evasion is common (and thus an employer must compete with employers willing to pay under the table) or where employers are competing with others in nearby countries with lower tax rates. It is not the same thing as the employer making your income nontaxable, though, and has implications for your tax filing. Significantly, it is likely that if you have additional income beyond income from that employer, it is likely to be taxed at your highest tax rate, as the employer will likely calculate the tax due based on their income being the only income you have in that year. *Edit based on emphasis in question: I'm not from Singapore nor am I a lawyer, but based on my reading of the IRAS website, it looks like you do not have to file if you have no other source of income, because they have a No-Filing Service which takes income information from your employer automatically and generates a tax bill, which presumably would be fully paid in your case. This only aplies if you have no other sources of income, however; you still have to file if you have other sources of income since your employer would not know about them. If you are eligible for this service, you should get a letter informing you as such. They also have a tool to check your filing status on their website.",
"title": ""
},
{
"docid": "f1e3a3be118b48d06cf556ed92c5945f",
"text": "They are a business. You're not a corporation. They paid you more than $600 during the year, so they're supposed to send 1099 to you and the IRS about it. They need your taxpayer certification (W9) for that. They were supposed to ask for it before they paid you, but yes - they're supposed to ask for it.",
"title": ""
},
{
"docid": "12a6603099f34cd972e1f9f95e9ab8b4",
"text": "I am not a lawyer or a tax accountant, but from the description provided it sounds to me like you have created two partnerships: one in which you share 50% of Bob's revenue, and another in which you share 50% of the revenue from the first partnership. If this is the case, then each partnership would need to file form K-1 and issue a copy to the partners of that partnership. I think, but I'm not sure, that each partnership would need an Employer Identification Number (EIN; you can apply for and receive these online with the IRS). You would only pay tax on the portion of profits that are assigned to you on the K-1. (If you've accidentally created a partnership without thinking through all the ramifications, you probably want to straighten this out. You can be held liable for the actions of your partners.) On the other hand, if your contract with Bob explicitly makes you a contractor and not a partner, then Bob should probably be issuing a 1099 to you. Similarly for you and Joe -- if your contract with Joe makes him a subcontractor, then you may need to get an EIN and issue him a 1099 at the end of the year. The money you pay to Joe is a business expense, and would be deducted from the profits you show on your Schedule C. In my opinion, it would be worth the $200 fee paid to a good CPA to make sure you get this right.",
"title": ""
},
{
"docid": "b80f37a9693776121b787c7f4caa04d8",
"text": "No, you probably do not need to file a tax return if you received no income, and if you meet a number of other criteria. The below is copied and pasted, slightly edited, from the CRA: You must file a return for 2014 if any of the following situations apply: You have to pay tax for 2014. We sent you a request to file a return. You and your spouse or common-law partner elected to split pension income for 2014. See lines 115, 116, 129, and 210. You received working income tax benefit (WITB) advance payments in 2014. You disposed of capital property in 2014 (for example, if you sold real estate or shares) or you realized a taxable capital gain (for example, if a mutual fund or trust attributed amounts to you, or you are reporting a capital gains reserve you claimed on your 2013 return). You have to repay any of your old age security or employment insurance benefits. See line 235. You have not repaid all amounts withdrawn from your registered retirement savings plan (RRSP) under the Home Buyers’ Plan or the Lifelong Learning Plan. For more information, go to Home Buyers' Plan (HBP) or see Guide RC4112, Lifelong Learning Plan (LLP) or You have to contribute to the Canada Pension Plan (CPP). This can apply if, for 2014, the total of your net self-employment income and pensionable employment income is more than $3,500. See line 222. You are paying employment insurance premiums on self-employment and other eligible earnings. See lines 317 and 430. In general, you will want to file a tax return even if none of the above applies. You could, for example, claim a GST/HST credit even with no income. Now, if you receive any income at all, you are going to have to pay taxes, which means you are obligated to file a tax return. If sufficient taxes were deducted from your paycheque, you are still obligated to file a tax return. However, you will not have to pay penalties if you file late, even if you file very late, at least not until the CRA sends you a request to file. But be aware, you won't likely be able to tell if you owe the CRA money until you do your taxes, and if you do end up owing, there are substantial penalties for filing late. In general, I'd strongly advise filing your tax return in almost all circumstances.",
"title": ""
}
] |
fiqa
|
059187191e5da247f62ba8ba286f2033
|
What does it really mean to buy a share?
|
[
{
"docid": "32778590fecaad9af44b55729a0b9ea3",
"text": "I have been careful here to cover both shares in companies and in ETFs (Exchange Traded Funds). Some information such as around corporate actions and AGMs is only applicable for company shares and not ETFs. The shares that you own are registered to you through the broker that you bought them via but are verified by independent fund administrators and brokerage reconciliation processes. This means that there is independent verification that the broker has those shares and that they are ring fenced as being yours. The important point in this is that the broker cannot sell them for their own profit or otherwise use them for their own benefit, such as for collateral against margin etc.. 1) Since the broker is keeping the shares for you they are still acting as an intermediary. In order to prove that you own the shares and have the right to sell them you need to transfer the registration to another broker in order to sell them through that broker. This typically, but not always, involves some kind of fee and the broker that you transfer to will need to be able to hold and deal in those shares. Not all brokers have access to all markets. 2) You can sell your shares through a different broker to the one you bought them through but you will need to transfer your ownership to the other broker and that broker will need to have access to that market. 3) You will normally, depending on your broker, get an email or other message on settlement which can be around two days after your purchase. You should also be able to see them in your online account UI before settlement. You usually don't get any messages from the issuing entity for the instrument until AGM time when you may get invited to the AGM if you hold enough stock. All other corporate actions should be handled for you by your broker. It is rare that settlement does not go through on well regulated markets, such as European, Hong Kong, Japanese, and US markets but this is more common on other markets. In particular I have seen quite a lot of trades reversed on the Istanbul market (XIST) recently. That is not to say that XIST is unsafe its just that I happen to have seen a few trades reversed recently.",
"title": ""
},
{
"docid": "4ff798af431d6755b22dcf6694af8ed0",
"text": "\"Ditto to MD-Tech, but from a more \"\"philosophical\"\" point of view: When you buy stock, you own it, just like you own a cell phone or a toaster or a pair of socks that you bought. The difference is that a share of stock means that you own a piece of a corporation. You can't physically take possession of it and put it in your garage, because if all the stock-holders did that, then all the company's assets would be scattered around all the stock-holder's garages and the company couldn't function. Like if you bought a 1/11 share in a football team, you couldn't take one of the football players home and keep him in your closet, because then the team wouldn't be able to function. (I might want to take one of the cheerleaders home, but that's another subject ...) In pre-electronic times, you could get a piece of paper that said, \"\"XYZ Corporation - 1 share\"\". You could take physical possession of this piece of paper and put it in your filing cabinet. I'm not sure if you can even get such certificates any more; I haven't seen one in decades. These days it's just recorded electronically. That doesn't mean that you don't own it. It just means that someone else is keeping the records for you. It's like leaving your car in a parking lot. It's still your car. The people who run the parking lot doesn't own it. They are keeping it for you, but just because they have physical possession doesn't make it theirs.\"",
"title": ""
}
] |
[
{
"docid": "61a6f11ae6c1166c8c224750b01862e4",
"text": "I think the correct statement is that Expedia wants to buy Orbitz for $12/share. The market price is $11, which means there is somebody willing to sell for that price. But you can't say that a stock price of $11 means that everybody is willing to sell for that price. And Expedia is unlikely to bid $12/share for just 40% of Orbitz shares; they'll want at least a controlling majority.",
"title": ""
},
{
"docid": "2a2880cc32f51a709d7cc91acef8eb9e",
"text": "\"Let's handle this as a \"\"proof of concept\"\" (POC); OP wants to buy 1 share of anything just to prove that they can do it before doing the months of painstaking analysis that is required before buying shares as an investment. I will also assume that the risks and costs of ownership and taxes would be included in OP's future analyses. To trade a stock you need a financed broker account and a way to place orders. Open a dealing account, NOT an options or CFD etc. account, with a broker. I chose a broker who I was confident that I could trust, others will tell you to look for brokers based on cost or other metrics. In the end you need to be happy that you can get what you want out of your broker, that is likely to include some modicum of trust since you will be keeping money with them. When you create this account they will ask for your bank account details (plus a few other details to prevent fraud, insider trading, money laundering etc.) and may also ask for a minimum deposit. Either deposit enough to cover the price of your share plus taxes and the broker's commission, plus a little extra to be on the safe side as prices move for every trade, including yours, or the minimum if it is higher. Once you have an account the broker will provide an interface through which to buy the share. This will usually either be a web interface, a phone number, or a fax number. They will also provide you with details of how their orders are structured. The simplest type of order is a \"\"market order\"\". This tells the broker that you want to buy your shares at the market price rather than specifying only to buy at a given price. After you have sent that order the broker will buy the share from the market, deduct the price plus tax and her commission from your account and credit your account with your share.\"",
"title": ""
},
{
"docid": "bf6ae9f8692786d01c25dbdbbf863086",
"text": "\"When people talk about \"\"the price\"\" of a stock, they usually mean one of the following: Last price: The price at which a trade most recently took place. If someone sold (and someone else bought) shares of XYZ for $20 each, then until another trade occurs, the last price of the stock will be quoted at $20. Bid price: The highest price at which someone is currently offering to buy the stock. Ask price: The lowest price at which someone is currently offering to sell the stock. As you can see, all of these are completely determined by the people buying and selling the stock.\"",
"title": ""
},
{
"docid": "6f0cb1b299c8902d05de659c56af9285",
"text": "\"In finance, form is function, and while a reason for a trade could be anything, but since the result of a trade is a change in value, it could be presumed that one seeks to receive a change in value. Stock company There may have been more esoteric examples, but currently, possession of a company (total ownership of its' assets actually) is delineated by percentage or a glorified \"\"banknote\"\" frequently called a \"\"share\"\". Percentage companies are usually sole proprietorship and partnerships, but partnerships can now trade in \"\"units\"\". Share companies are usually corporations. With shares, a company can be divided into almost totally indistinguishable units. This allows for more flexible ownership, so individuals can trade them without having to change the company contract. Considering the ease of trade, it could be assumed that common stock contract provisions were formulated to provide for such an ease. Motivation to trade This could be anything, but it seems those with the largest ownership of common stock have lots of wealth, so it could be assumed that people at least want to own stocks to own wealth. Shorting might be a little harder to reason, but I personally assume that the motivation to trade is still to increase wealth. Social benefit of the stock market Assuming that ownership in a company is socially valuable and that the total value of ownership is proportional to the social value provided, the social benefit of a stock market is that it provided the means to scale ownership through convenience, speed, and reliability.\"",
"title": ""
},
{
"docid": "e185bd487ce466eea430fe6c6c67a618",
"text": "If a deal is struck, you're part of that deal because you own shares. If someone offers $10/share for the entire company, you'll get that. If the stock price is $1.50 and someone offers $2/share, you'll get that.",
"title": ""
},
{
"docid": "b4b12e9aa94ea9a3c6df4c597cad3fa6",
"text": "I know what your saying. But I think there is a bit of hopes and feels in stocks also. If people feel like it's going to go down they sale. Causing it to go down right? Bad news article comes out about a stock or bitcoin. They go down. Good news article comes out they both go up. Even if the company changed nothing. Bit of hopes and feels involved. Edit: pose that as a question. Am I completely off the mark here?",
"title": ""
},
{
"docid": "5454e160157a86cd1775242c0efdbbb4",
"text": "Your understanding of the stock market is absolutely correct theoretically. However there is a lot more to it. A stock on a given day is effected by a lot of factors. These factors could really be anything. For example, if you are buying a stock in an agricultural company and there was no rainfall this year, there is a big chance that your stock will lose value. There is also a chance that a war breaks out tomorrow and due to all the government spending on the war, the economy collapses and effects the prices of stocks. Why does this happen? This happens because bad rainfall or war can get people to lose confidence in a stock market. On the other hand GDP growth and low unemployment rates can make people think positive and increase the demand in a stock driving the prices up. The main factor in the stock market is sentiment(How people perceive certain news). This causes a stock to rise or fall even before the event actually happens. (For example:- Weather pundits predicted good rainfall for next year. That news is already known to people, so if the weather pundit was correct, it might not drive the prices up. However, if the rainfall was way better than people expected it to be it would drive the price up and vice versa. These are just examples at a basic level. There are a lot of other factors which determine the price of the stock. The best way to look at it(In my personal opinion) is the way Warren Buffet puts it, i.e. look at the stock as a business and see the potential growth over a long period of time. There will be unexpected events, but in the long run, the business must be profitable. There are various ways to value a company such as Price to earnings ratios, PEG ratios, discounted cash flows and you can also create your own. See what works best for you and record your success/failure ratio before you actually put money in. Good Luck,",
"title": ""
},
{
"docid": "92174efaea066aa7b16d666a6d03c5b8",
"text": "\"I think I understand what you're trying to achieve. You just want to see how it \"\"feels\"\" to own a share, right? To go through the process of buying and holding, and eventually selling, be it at a loss or at a gain. Frankly, my primary advice is: Just do it on paper! Just decide, for whatever reason, which stocks to buy, in what amount, subtract 1% for commissions (I'm intentionally staying on the higher side here), and keep track of the price changes daily. Instead of doing it on mere paper, some brokers offer you a demo account where you can practice your paper trading in the same way you would use a live account. As far as I know, Interactive Brokers and Saxo Bank offer such demo accounts, go look around on their web pages. The problem about doing it for real is that many of the better brokers, such as the two I mentioned, have relatively high minimum funding limits. You need to send a few thousand pounds to your brokerage account before you can even use it. Of course, you don't need to invest it all, but still, the cash has to be there. Especially for some younger and inexperienced investors, this can seduce them to gambling most of their money away. Which is why I would not advise you to actually invest in this way. It will be expensive but if it's just for trying it on one share, use your local principal bank for the trade. Hope this gets you started!\"",
"title": ""
},
{
"docid": "3372ab2c637d4541156521cfb61737d7",
"text": "\"Learn something new every day... I found this interesting and thought I'd throw my 2c in. Good description (I hope) from Short Selling: What is Short Selling First, let's describe what short selling means when you purchase shares of stock. In purchasing stocks, you buy a piece of ownership in the company. You buy/sell stock to gain/sell ownership of a company. When an investor goes long on an investment, it means that he or she has bought a stock believing its price will rise in the future. Conversely, when an investor goes short, he or she is anticipating a decrease in share price. Short selling is the selling of a stock that the seller doesn't own. More specifically, a short sale is the sale of a security that isn't owned by the seller, but that is promised to be delivered. Still with us? Here's the skinny: when you short sell a stock, your broker will lend it to you. The stock will come from the brokerage's own inventory, from another one of the firm's customers, or from another brokerage firm. The shares are sold and the proceeds are credited to your account. Sooner or later, you must \"\"close\"\" the short by buying back the same number of shares (called covering) and returning them to your broker. If the price drops, you can buy back the stock at the lower price and make a profit on the difference. If the price of the stock rises, you have to buy it back at the higher price, and you lose money. So what happened? The Plan The Reality Lesson I never understood what \"\"Shorting a stock\"\" meant until today. Seems a bit risky for my blood, but I would assume this is an extreme example of what can go wrong. This guy literally chose the wrong time to short a stock that was, in all visible aspects, on the decline. How often does a Large Company or Individual buy stock on the decline... and send that stock soaring? How often does a stock go up 100% in 24 hours? 600%? Another example is recently when Oprah bought 10% of Weight Watchers and caused the stock to soar %105 in 24 hours. You would have rued the day you shorted that stock - on that particular day - if you believed enough to \"\"gamble\"\" on it going down in price.\"",
"title": ""
},
{
"docid": "b731769f380d1dbc187594d1070e9701",
"text": "I was thinking that the value of the stock is the value of the stock...the actual number of shares really doesn't matter, but I'm not sure. You're correct. Share price is meaningless. Google is $700 per share, Apple is $100 per share, that doesn't say anything about either company and/or whether or not one is a better investment over the other. You should not evaluate an investment decision on price of a share. Look at the books decide if the company is worth owning, then decide if it's worth owning at it's current price.",
"title": ""
},
{
"docid": "b32701eca361387d32f57d1bcda9f2b7",
"text": "I believe, I could be wrong, it has been a long day. By exercising this right you have the right to purchase the equivalent of their current share. Eg. Someone owns 50 of 100 shares. and the company does a rights offering and is expanding the shares to 200. That person has first right to purchase 50 more shares to keep his share from being diluted.",
"title": ""
},
{
"docid": "4675bd9a58984de643e21efc51fa8034",
"text": "For all practical purposes the words mean the same thing. Shares are just stock in a particular company whereas stock can refer to shares over many companies. Investopedia has a good explaination. If you are a financial journalist you might want to make sure you are using the right term at the right time, but otherwise they are synonyms.",
"title": ""
},
{
"docid": "084b6a7c6c93bb138202603fa9676eff",
"text": "You are misunderstanding what makes the price of a stock go up and down. Every time you sell a share of a stock, there is someone else that buys the stock. So it is not accurate to say that stock prices go down when large amounts of the stock are sold, and up when large amounts of the stock are bought. Every day, the amount of shares of a stock that are bought and sold are equal to each other, because in order to sell a share of stock, someone has to buy it. Let me try to explain what actually happens to the price of a stock when you want to sell it. Let's say that a particular stock is listed on the ticker at $100 a share currently. All this means is that the last transaction that took place was for $100; someone sold their share to a buyer for $100. Now let's say that you have a share of the stock you'd like to sell. You are hoping to get $100 for your share. There are 2 other people that also have a share that they want to sell. However, there is only 1 person that wants to buy a share of stock, and he only wants to pay $99 for a share. If none of you wants to sell lower than $100, then no shares get sold. But if one of you agrees to sell at $99, then the sale takes place. The ticker value of the stock is now $99 instead of $100. Now let's say that there are 3 new people that have decided they want to buy a share of the stock. They'd like to buy at $99, but you and the other person left with a share want to sell at $100. Either one of the sellers will come down to $99 or one of the buyers will go up to $100. This process will continue until everyone that wants to sell a share has sold, and everyone who wants to buy a share has bought. In general, though, when there are more people that want to sell than buy, the price goes down, and when there are more people that want to buy than sell, the price goes up. To answer your question, if your selling of the stock had caused the price to go down, it means that you would have gotten less money for your stock than if it had not gone down. Likewise, if your buying the stock had caused it to go up, it just means that it would have cost you more to buy the stock. It is just as likely that you would lose money doing this, rather than gain money.",
"title": ""
},
{
"docid": "bffdd2b0003ce358a8fc2bc569131763",
"text": "\"Price is decided by what shares are offered at what prices and who blinks first. The buyer and seller are both trying to find the best offer, for their definition of best, within the constraints then have set on their bid or ask. The seller will sell to the highest bid they can get that they consider acceptable. The buyer will buy from the lowest offer they can get that they consider acceptable. The price -- and whether a sale/purchase happens at all -- depends on what other trades are still available and how long you're willing to wait for one you're happy with, and may be different on one share than another \"\"at the same time\"\" if the purchase couldn't be completed with the single best offer and had to buy from multiple offers. This may have been easier to understand in the days of open outcry pit trading, when you could see just how chaotic the process is... but it all boils down to a high-speed version of seeking the best deal in an old-fashioned marketplace where no prices are fixed and every sale requires (or at least offers the opportunity for) negotiation. \"\"Fred sells it five cents cheaper!\"\" \"\"Then why aren't you buying from him?\"\" \"\"He's out of stock.\"\" \"\"Well, when I don't have any, my price is ten cents cheaper.\"\" \"\"Maybe I won't buy today, or I'll buy elsewhere. \"\"Maybe I won't sell today. Or maybe someone else will pay my price. Sam looks interested...\"\" \"\"Ok, ok. I can offer two cents more.\"\" \"\"Three. Sam looks really interested.\"\" \"\"Two and a half, and throw in an apple for Susie.\"\" \"\"Done.\"\" And the next buyer or seller starts the whole process over again. Open outcry really is just a way of trying to shop around very, very, very fast, and electronic reconciliation speeds it up even more, but it's conceptually the same process -- either seller gets what they're asking, or they adjust and/or the buyer adjusts until they meet, or everyone agrees that there's no agreement and goes home.\"",
"title": ""
},
{
"docid": "bcd6f38df9a8a466e7cc2fa5acde92d6",
"text": "\"In general, I think you're conflating a lot of ideas. The stock market is not like a supermarket. With the exception of a direct issue, you're not buying your shares from the company or from the New York Stock Exchange you're buying from an owner of stock, Joe, Sally, a pension fund, a hedge fund, etc; it's not sitting on a shelf at the stock market. When you buy an Apple stock you don't own $10 of Apple, you own 1/5,480,000,000th of Apple because Apple has 5,480,000,000 shares outstanding. When a the board gets together to vote on and approve a dividend the approved dividend is then divided by 5.48 billion to determine how much each owner receives. The company doesn't pay dividends out to owners from a pot of money it received from new owners; it sold iPhones at a profit and is sending a portion of that profit to the owners of the company. \"\"When you buy stock, it is claimed that you own a small portion of the company. This statement has no backing, as you cannot exchange your stock for the company's assets.\"\" The statement does have backing. It's backed by the US Judicial system. But there's a difference between owning a company and owning the assets of the company. You own 1/5,480,000,000 of the company and the company owns the company's assets. Nevermind how disruptive it would be if any shareholder could unilaterally decide to sell a company's buildings or other assets. This is not a ponzi scheme because when you buy or sell your Apple stock, it has no impact on Apple, you're simply transacting with another random shareholder (barring a share-repurchase or direct issue). Apple doesn't receive the proceeds of your private transaction, you do. As far as value goes, yes the stock market provides tons of value and is a staple of capitalism. The stock market provides an avenue of financing for companies. Rather than taking a loan, a company's board can choose to relinquish some control and take on additional owners who will share in the spoils of the enterprise. Additionally, the exchanges deliver value via an unbelievable level of liquidity. You don't have to go seek out Joe or Sally when you want to sell your Apple stock. You don't need to put your shares on Craigslist in the hope of finding a buyer. You don't have to negotiate a price with someone who knows you want to sell. You just place an order at an exchange and you're aligned with a buyer. Also understand that anything can move up or down in value without any money actually changing hands. Say you get your hands on a pair of shoes (or whatever), they're hot on the market, very rare and sought after. You think you can sell them for $1,000. On tonight's news it turns out that the leather is actually from humans and the CEO of the company is being indicted, the company is falling apart, etc. Your shoes just went from $1,000 to $0 with no money changing hands (or from $1,000 to $100,000 depending on how cynical you are).\"",
"title": ""
}
] |
fiqa
|
6196184cecfe67501d37503b228070e1
|
How can someone invest in areas that require you to be an accredited investor [without qualifying as an accredited investor]?
|
[
{
"docid": "b9ea9cf5c85d2271ea0ef94a55a5a5bf",
"text": "Unfortunately it is not possible for an ordinary person to become an accredited investor without a career change. Gaining any legal certification in investments typically require sponsorship from an investment company (which you would be working for). There are reasons why these kinds of investments are not available to ordinary people directly, and you should definitely consult an RIA (registered investment adviser) before investing in something that isn't extremely standardized (traded on an major exchange). The issue with these kinds of investments is that they are not particularly standardized (in terms of legal structure/settlement terms). Registered investment advisers and other people who manage investments professionally are (theoretically) given specific training to understand these kinds of non-standard investments and are (theoretically) qualified to analyze the legal documentation of these, make well informed investment decisions, and make sure that their investors are not falling into any kind of pyramid scheme. There are many many kinds of issues that can arise when investing in startups. What % of the company/ the company's profits are you entitled to? How long can the company go without paying you a dividend? Do they have to pay you a dividend at all? How liquid will your investment in the company be? Unfortunately it is common for startups to accept investment but have legal restrictions on their investors ability to sell their stake in the business, and other non-standard contract clauses. For example, some investment agreements have a clause which states that you can only sell your stake in the business to a person who already owns a stake in the business. This makes your investment essentially worthless - the company could run for an exponential amount of time without paying you a dividend. If you are not able to sell your stake in the company you will not be able to earn any capital gains either. The probability of a startup eventually going public is extremely small.. so in this scenario it is likely you will end up gaining no return investment (though you can be happy to know you helped a company grow!) Overall, the restrictions for these kinds of investments exist to protect ordinary folks from making investing their savings into things that could get them burned. If you want to invest in companies on FundersClub build a relationship with an RIA and work with that person to invest your money. It is easier, less risky, and not all that more expensive :)",
"title": ""
}
] |
[
{
"docid": "0b4d041501b889e30080b61b2a31216c",
"text": "You could certainly look at the holdings of index funds and choose index funds that meet your qualifications. Funds allow you to see their holdings, and in most cases you can tell from the description whether certain companies would qualify for their fund or not based on that description - particularly if you have a small set of companies that would be problems. You could also pick a fund category that is industry-specific. I invest in part in a Healthcare-focused fund, for example. Pick a few industries that are relatively diverse from each other in terms of topics, but are still specific in terms of industry - a healthcare fund, a commodities fund, an REIT fund. Then you could be confident that they weren't investing in defense contractors or big banks or whatever you object to. However, if you don't feel like you know enough to filter on your own, and want the diversity from non-industry-specific funds, your best option is likely a 'socially screened' fund like VFTSX is likely your best option; given there are many similar funds in that area, you might simply pick the one that is most similar to you in philosophy.",
"title": ""
},
{
"docid": "d19f5919f9a91c4219b84859430d0127",
"text": "Ok, that's totally different then. The legislation that you were mentioning doesn't apply to prop shops that trade derivatives. If you want to end up in the equities world, then a place that requires those licenses that will pay for it doesn't seem like a bad deal.",
"title": ""
},
{
"docid": "f954722876bfa4acb9331c336341e5db",
"text": "As other answers have pointed out, professional real estate investors do own residential investment properties. However, small residential units typically are not owned by professional real estate investors as your experience confirms. This has a fairly natural cause. The size of the investment opportunity is insufficient to warrant the proper research/due diligence to which a large investment firm would have to commit if it wanted to properly assess the potential of a property. For a small real estate fund managing, say, $50 MM, it would take 100 properties at a $500K valuation in order to fully invest the funds. This number grows quickly as we decrease the average valuation to reflect even smaller individual units. Analogously, it is unlikely that you will find large institutional investors buying stocks with market caps of $20 MM. They simply cannot invest a large enough portion of total AUM to make the diligence make economic sense. As such, institutional real estate money tends to find its way into large multi-family units that provide a more convenient purchase size for a fund.",
"title": ""
},
{
"docid": "9c2486bf10b899839d0c29cb649f96a3",
"text": "Yes, but only if they're looking for investors. You would need to contact them directly. Unless you're looking to invest a significant sum, they may not be interested in speaking with you. (Think at least 6 figures, maybe 7 depending on their size and needs). This is otherwise known as being a Venture Capitalist. Some companies don't want additional investors because the capital isn't yet needed and they don't want to give up shares in the profit/control. Alternatively, you could try and figure out which investment groups already have a stake in the company you're interested in. If those companies are publicly traded, you could buy stocks for their company with the expectation that their stock price will increase if the company you know of does well in the long run.",
"title": ""
},
{
"docid": "24b0b013a3385858eda59f1359a4f523",
"text": "You can't do what you would like to do, unless your business has another, unrelated investor or is willing to invest an equal amount of funds + .01 into a corporation which will employ you. You will then need to set up a self-directed IRA. Additionally, you will need a trustee to account for all the disbursements from your IRA.",
"title": ""
},
{
"docid": "ad563586bd99c80f736b254758cb0f82",
"text": "You can put it in a CD, or use a CD investment service like http://www.jumbocdinvestments.com/ (no affiliation).",
"title": ""
},
{
"docid": "8730be753a1406fab4444dcbb40296f3",
"text": "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 Retirement Income Security Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million; a charitable organization, corporation, or partnership with assets exceeding $5 million; a director, executive officer, or general partner of the company selling the securities; a business in which all the equity owners are accredited investors; a natural person who has individual net worth, or joint net worth with the person’s spouse, that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person; a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year; or a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes. No citizenship/residency requirements.",
"title": ""
},
{
"docid": "7b9e1b14c98aa0813d39fed38251fb95",
"text": "\"My advice would be to invest that 50k in 25% batches across 4 different money markets. Batch 1: Lend using a peer-to-peer account - 12.5k The interest rates offered by banks aren't that appealing to investors anymore, at least in the UK. Peer to peer lending brokers such as ZOPA provide 5% to 6% annual returns if you're willing to hold on to your investment for a couple of years. Despite your pre-conceptions, these investments are relatively safe (although not guaranteed - I must stress this). Zopa state on their website that they haven't lost any money provided from their investors since the company's inception 10 years ago, and have a Safeguard trust that will be used to pay out investors if a large number of borrowers defaulted. I'm not sure if this service is available in Australia but aim for an interest rate of 5-6% with a trusted peer-to-peer lender that has a strong track record. Batch 2: The stock market - 12.5k An obvious choice. This is by far the most exciting way to grow your money. The next question arising from this will likely be \"\"how do I pick stocks?\"\". This 12.5k needs to be further divided into 5 or so different stocks. My strategy for picking stock at the current time will be to have 20% of your holdings in blue-chip companies with a strong track record of performance, and ideally, a dividend that is paid bi-anually/quarterly. Another type of stock that you should invest in should be companies that are relatively newly listed on the stock market, but have monopolistic qualities - that is - that they are the biggest, best, and only provider of their new and unique service. Examples of this would be Tesla, Worldpay, and Just-eat. Moreover, I'd advise another type of stock you should purchase be a 'sin stock' to hedge against bad economic times (if they arise). A sin stock is one associated with sin, i.e. cigarette manufacturers, alcohol suppliers, providers of gambling products. These often perform good while the economy is doing well, but even better when the economy experiences a 2007-2008, and 2001-dotcom type of meltdown. Finally, another category I'd advise would be large-cap energy provider companies such as Exxon Mobil, BP, Duke Energy - primarily because these are currently cheaper than they were a few months ago - and the demand for energy is likely to grow with the population (which is definitely growing rapidly). Batch 3: Funds - 12.5k Having some of your money in Funds is really a no-brainer. A managed fund is traditionally a collection of stocks that have been selected within a particular market. At this time, I'd advise at least 20% of the 12.5k in Emerging market funds (as the prices are ridiculously low having fallen about 60% - unless China/Brazil/India just self destruct or get nuked they will slowly grow again within the next 5 years - I imagine quite high returns can be had in this type of funds). The rest of your funds should be high dividend payers - but I'll let you do your own research. Batch 4: Property - 12.5k The property market is too good to not get into, but let's be honest you're not going to be able to buy a flat/house/apartment for 12.5k. The idea therefore would be to find a crowd-funding platform that allows you to own a part of a property (alongside other owners). The UK has platforms such as Property Partner that are great for this and I'm sure Australia also has some such platforms. Invest in the capital city in areas as close to the city's center as possible, as that's unlikely to change - barring some kind of economic collapse or an asteroid strike. I think the above methods of investing provide the following: 1) Diversified portfolio of investments 2) Hedging against difficult economic times should they occur And the only way you'll lose out with diversification such as this is if the whole economic system collapses or all-out nuclear war (although I think your investments will be the least of your worries in a nuclear war). Anyway, this is the method of investing I've chosen for myself and you can see my reasoning above. Feel free to ask me if you have any questions.\"",
"title": ""
},
{
"docid": "74aa3ca9abe89674b3ab4253d0438286",
"text": "\"I'm surprised at the tone of the answers to this question! Trading with insider information is corruption and encourages fraud. As in many areas, there's an ethical line where behavior the gap between \"\"ok\"\" and \"\"illegal\"\" or unethical is thin. The classic local government insider information example is when the local councilman finds out that a highway exit is being constructed in an area that consists mostly of farmland. Knowing this, he buys out the farmers at what they think is a premium, and turns around for 10x profit a few months later. In that context, do you think that the councilman acting on that insider information is committing a crime or ethical lapse? Most people say yes. Even in this case, the line is thin. If the same councilman has his finger on the pulse of growth patterns in the area, and realizes that the terrain makes a certain area a prime candiate for a highway and exit, buying up land would not be criminal -- but it would be risky as it creates a perception that he is abusing his position.\"",
"title": ""
},
{
"docid": "ed91e01409c3ff8b6efaf6c7585bd2d5",
"text": "I know some of the large banks have small regional offices in Calgary for Oil & Gas IBD. I'm American but from what I gather it's pretty tough to get into, so you'd need a top school for finance and network your butt off. Outside of that, you'll need to cold-email, cold-call, and try to get your foot in the door any way possible. [Send out hundreds of emails](https://www.mergersandinquisitions.com/investment-banking-email-template/) and follow up with the 5% that respond. Read [this](https://www.mergersandinquisitions.com/investment-banking-canada/), [this](https://www.mergersandinquisitions.com/investment-banking-calgary/), [this](https://www.mergersandinquisitions.com/investment-banking-vancouver-korea/), and [this](https://www.mergersandinquisitions.com/commodities-banking-western-canada/) to get started.",
"title": ""
},
{
"docid": "1ac350ec5c33d3492610d3b014ba7a37",
"text": "\"Yes, you can. You could either go through brokerages like Ameritrade or fund companies like Fidelity or Vanguard. Yes there are minimums depending on the fund where some retail funds may waive a minimum if you sign up for an \"\"Automatic Investment Plan\"\" and some of the lower cost funds may have higher initial investment as Vanguard's Admiral share class is different from Investor for example.\"",
"title": ""
},
{
"docid": "64c8523399599ed83c91cf32321369d1",
"text": "Thanks for the tip, I know of one or two privately backed incubators I can approach but have already reached out to local government for access to their funding streams. I just want to make sure I cover all of my bases and seek as much of the available capital as I can. Is there a good way to approach/meet private investors?",
"title": ""
},
{
"docid": "001bd856c730fa6fc8e49f45937cb647",
"text": "Here's a start at a high level: I have a few friends who have made a killing on GLD, and write options to make money off of the investment without incurring the capital gains penalties for selling. That's a little out of my comfort zone though.",
"title": ""
},
{
"docid": "52683fac8adacb6501cef0f04b28178d",
"text": "The best way I know of is to join an investment club. They club will act like a mutual fund, investing in stocks researched and selected by the group. Taking part in research and presenting results to the group for peer review is an excellent way to learn. You'll learn what is a good reason to invest and what isn't. You'll probably pick both winners and losers. The goal of participation is education. Some people learn how to invest and continue happily doing so. Others learn how to invest in single stocks and learn it is not for them.",
"title": ""
},
{
"docid": "cafd80031a7f88125c0fa2b02d28426a",
"text": "I work for an investment group in Central Asia in private equity/project investment. We use SPV and collateralized convertible loans to enter a project, we issue the loan at our own commercial bank. For each industry, the exact mechanisms vary. In most outcomes, we end up in control of some very important part of the business, and even if we have minority shares on paper, no decision is made w/o our approval. For example, we enter cosntruction projects via aquisiton of land and pledging the land as equity for an SPV, then renting it to the project operator. Basically, when you enter a business, be in control of the decisions there, or have significant leverage on the operations. Have your own operating professionals to run it. Profit.",
"title": ""
}
] |
fiqa
|
1b21747d5ad9a5e696070ff089f64e29
|
Can I change my loan term from 60 to 36 months?
|
[
{
"docid": "1466443fbfb06e3d1f6080caa767b77e",
"text": "Some places banks/Credit Unions will allow you to refinance a auto loan. My credit Union only does this if the original loan was with another lender. They will send the money to the old lender, then give you a loan under the new terms. They are trying to get your business, not necessarily looking for a way make less money for themselves. You will have to see how much you will save. Which will be based on the delta of the length of the loan or the change in interest rate, or both. My Credit Union has a calculator to show you the numbers based on keeping the size of the payments the same, or keeping the number of payments the same. Make sure you understand any limitations regarding the refinance based on the age of the car, and if you are underwater.",
"title": ""
},
{
"docid": "8fb4ed771f66e236487e2f709666e10e",
"text": "Just call your credit union and ask if they will let you refinance at the lower rate. If they won't, then just increase your payment every month so that your car is paid off early (in 36 months instead of 60). You won't get the lower rate, but since your loan will be paid early, you'll be saving interest anyway.",
"title": ""
}
] |
[
{
"docid": "31a736945a0b3e1cda4dc598cdab518e",
"text": "if the rate of interest on both loans is 6.5%, it does not make any difference against which loan you offset. if you offset it with 50K loan, you will close it sooner [I am assuming your 50K loan is of shorter tenure compared to the 300K without considering offset]. The overall interest outgo looks larger if you close the shorter loan vs closing the larger loan, however the net effect is the same if you start putting out the balance $400 to the 300K loan after you have closed it out.",
"title": ""
},
{
"docid": "8dafb4ba99dcc4c83773eedfb143ebb1",
"text": "Last question first: The amount borrowed will not transfer to your loved ones upon death. Even if you were age 50, it is somewhat unlikely you will die in 30 years. First question: Are you okay with having a student loan that long? Keep in mind that making payments for that long will hinder your ability to build wealth, buy a home, and have disposable income. Presumably you are used to living like a college student. If you continue to do so, and maybe take on another job (for the time you used to spend in school), you could be done with this much sooner. 2k/month is doable and retires this in 5 years, but I would shoot for a shorter time frame than that. Hopefully by purposely incurring that much debt you bought yourself a high paying career.",
"title": ""
},
{
"docid": "9812d64c3ece8001274f40ca58b458fb",
"text": "\"Assuming you've got no significant prepayment penalty, I would think about getting a longer mortgage, but making payments like it was a shorter mortgage. This will get the mortgage paid off in a shorter time period - but if you run into financial difficulties and/or find a better use for your money, you can drop back to paying the minimum necessary to retire the loan in 30 years without needing to refinance. (If you need to reduce your payments because you're between jobs, you don't have a very good negotiating position). For the most part, there's nothing that says you can only make one payment per month, or that it must be in the amount printed on the statement. If you want to, you can make payments weekly (or biweekly, or every 4 weeks) which typically means that you'll pay more every year. If your mortgage payments are $1000/month, that's $12,000 per year. If you tell yourself that 1000/month = $250 weekly and make yourself send a payment every week (or 500 every 2 weeks), you'll end up paying 250 * 52 = $13,000 per year, without particularly feeling the difference, especially if you get paid on a weekly/biweekly schedule instead of monthly or semi-monthly. Also, by paying more often, you're borrowing a tiny bit less money over the course of the year (because the money didn't sit in your account waiting until the 1st of the month to make a payment) so you save a little in interest there, too. Think of \"\"30 years\"\" or \"\"10 years\"\" as the basis for a minimum payment schedule, not necessarily the length of time that you or the lender really intend to keep the loan.\"",
"title": ""
},
{
"docid": "dcd3f1bfd91b3e4ba23288497bd15f5b",
"text": "\"Your mortgage terms are locked in; the servicer/new owner cannot change the terms without your consent, but the servicer can be more aggressive in taking action (as specified in your mortgage contract) against you. For example, if the mortgage agreement calls for penalties for missing a payment or making it late, your friendly neighborhood banker might waive the penalty if the payment is received a day late once (but perhaps not the second or the third time), but the servicer doesn't know you personally and does not care; you are hit with the penalty right away. If the payment was received a day late because of delays in the post office, too bad. If you used a bank bill payment service that \"\"guarantees\"\" on-time arrival, talk to the bank. All perfectly legal, and what you agreed to when you signed the contract. If you can set up electronic payments of your mortgage payments, you can avoid many of these hassles. If you are sending in more money than what is due each month, you should make sure that the extra money reduces the principal amount owed; easy enough if you are sending a physical check with a coupon that has an entry line for \"\"Extra payment applied to principal\"\" on it. But, the best mortgage contracts (from the bank's point of view) are those that say that extra money sent in applies to future monthly installments. That is, if you send in more than the monthly payment one month, you can send in a reduced payment next month; the bank will gladly hold the extra amount sent in this month and apply it towards next month's payment. So, read your mortgage document (I know, I know, the fine print is incomprehensible) to see how extra money is applied. Finally, re-financing your mortgage because you don't like the servicer is a losing proposition unless you can, somehow, ensure that your new bank will not sell your new mortgage to the same servicer or someone even worse.\"",
"title": ""
},
{
"docid": "e136cafcae837d65d87c1e9fd27b5988",
"text": "You can negotiate a no penalty for early payment loan with dealerships sometimes. Dealerships will often give you a better price on the car when you finance through them vs paying cash, so you negotiate in a 48 month finance, after you've settled on the price THEN you negotiate the no penalty for early payment point. They'll be less likely to try to raise the price after you've already come to an agreement. My dad has SAID he does this when buying cars, but that could just be hearsay and bravado. Has said he will negotiate on the basis of a long term lease, nail down a price then throw that clause in, then pay the car off in the first payment. Disclaimer: it's...um not a great way to do business though if you plan to purchase a new car every 2-3 years from the same dealer. Do it once and you'll have a note in their CRM not to either a) offer price reductions for financing or b) offer no penalty early payment financing.",
"title": ""
},
{
"docid": "d20e19f97cb64de8d152d040b7ead706",
"text": "The way I read this, you've been effectively paying $100 per month toward a $5,000 loan at $10% per year. Excluding the fact that there is another balance attached to the loan. After 36 months there's roughly $2,718 remaining on the $5,000, assuming there have been no late fees etc and your $100 is all that's being applied to your balance.",
"title": ""
},
{
"docid": "9e905a52faf79b0f5c72e8e48ceeefe1",
"text": "As you say, if you delay paying your bills, your liabilities will increase. Like say your bills total $10,000 per month. If you normally pay after 30 days, then your short-term liabilities will be $10,000. If you stretch that out to pay after 60 days, then you will be carrying two months worth of bills as a short-term liability, or $20,000. Your liabilities go up. Assume you keep the same amount of cash on hand after you stretch out your payments like this as you did before. Now your liabilities are higher but your assets are the same, so your working capital goes down. For example, suppose you kept $25,000 in the bank before this change and you still keep $30,000 after. Then before your working capital was $25,000 minus $10,000, or $15,000. After it is $25,000 minus $20,000, or only $5,000. So how does this relate to cash flow? While presumably if the company has $10,000 per month in bills, and their bank balance remains at $25,000 month after month, then they must have $10,000 per month in income that's going to pay those bills, or the bank balance would be going down. So now if they DON'T pay that $10,000 in bills this month, but the bank account doesn't go up by $10,000, then they must have spent the $10,000 on something else. That is, they have converted that money from an on-going balance into cash flow. Note that this is a one-time trick. If you stretch out your payment time from 30 days to 60 days, then you are now carrying 2 months worth of bills on your books instead of 1. So the first month that you do this -- if you did it all at once for all your bills -- you would just not pay any bills that month. But then you would have to resume paying the bills the next month. It's not like you're adding $10,000 to your cash flow every month. You're adding $10,000 to your cash flow the month that you make the change. Then you return to equilibrium. To increase your cash flow every month this way, you would have to continually increase the time it takes you to pay your bills: 30 days this month, 45 days the next, 60 the next, then 75, 90, etc. Pretty soon your bills are 20 years past due and no one wants to do business with you any more. Normally people see an action like this as an emergency measure to get over a short-term cash crunch. Adopting it as a long-term policy seems very short-sighted to me, creating a long-term relationship problem with your suppliers in exchange for a one-shot gain. But then, I'm not a big corporate finance officer.",
"title": ""
},
{
"docid": "f2915cb9b142bf04bbcd136953fe594a",
"text": "Sounds like you are stuck. These are your options: increase limit Not going to happen. You said you don't qualify. You also won't convince them to let you access more borrowing power by arguing that you can't pay now. No responsible lender would take that bet. negotiate balance Unlikely. This sounds like mostly real debt, not fees. They generally won't write off real debt except if you are in default. They will only negotiate if they think you can't pay. Note that this will probably hurt your credit, as they will report that you didn't pay your debt. pay down balance This is your best and only real option. If you can't afford to pay down the balance you can't afford to borrow more. I am sorry for your situation; it is frustrating. I know how that feels. It is a textbook example of the risk associated with debt. Even if you plan to pay the balance every month, when the unexpected happens, you pay the price.",
"title": ""
},
{
"docid": "1ca1a96723557f66a88d1d0e6fb6b2c9",
"text": "\"My husband made a similar car loan decision when he was younger and didn't have an established credit history / favourable credit rating. As a result, he ended up paying triple what the car was worth, because of the interest. When we consolidated our finances, this ugly loan was first on our list of priorities to change, convert, eliminate, but unfortunately, in our case, the terms of the loan were such that only the lender benefited. There was no incentive to pay off the loan early, in fact, we would have to have paid all the future interest at once, without saving a penny. So check the terms of your loan - hopefully you're better off than we were. In our case, the only upside we could figure was the lesson of \"\"live and learn\"\"!\"",
"title": ""
},
{
"docid": "ad0028567b8dc2822bbcb30238ef587a",
"text": "\"Concise answers to your questions: Depends on the loan and the bank; when you \"\"accelerate\"\" repayment of a loan by applying a pre-payment balance to the principal, your monthly payment may be reduced. However, standard practice for most loan types is that the repayment schedule will be accelerated; you'll pay no less each month, but you'll pay it off sooner. I can neither confirm nor deny that an internship counts as job experience in the field for the purpose of mortgage lending. It sounds logical, especially if it were a paid internship (in which case you'd just call it a \"\"job\"\"), but I can't be sure as I don't know of anyone who got a mortgage without accruing the necessary job experience post-graduation. A loan officer will be happy to talk to you and answer specific questions, but if you go in today, with no credit history (the student loan probably hasn't even entered repayment) and a lot of unknowns (an offer can be rescinded, for instance), you are virtually certain to be denied a mortgage. The bank is going to want evidence that you will make good on the debt you have over time. One $10,000 payment on the loan, though significant, is just one payment as far as your credit history (and credit score) is concerned. Now, a few more reality checks: $70k/yr is not what you'll be bringing home. As a single person without dependents, you'll be taxed at the highest possible withholdings rate. Your effective tax rate on $70k, depending on the state in which you live, can be as high as 30% (including all payroll/SS taxes, for a 1099 earner and/or an employee in a state with an income tax), so you're actually only bringing home 42k/yr, or about $1,600/paycheck if you're paid biweekly. To that, add a decent chunk for your group healthcare plan (which, as of 2014, you will be required to buy, or else pay another $2500 - effectively another 3% of gross earnings - in taxes). And even now with your first job, you should be at least trying to save up a decent chunk o' change in a 401k or IRA as a retirement nest egg. That student loan, beginning about 6 months after you leave school, will cost you about $555/mo in monthly payments for the next 10 years (if it's all Stafford loans with a 50/50 split between sub/unsub; that could be as much as $600/mo for all-unsub Stafford, or $700 or more for private loans). If you were going to pay all that back in two years, you're looking at paying a ballpark of $2500/mo leaving just $700 to pay all your bills and expenses each month. With a 3-year payoff plan, you're turning around one of your two paychecks every month to the student loan servicer, which for a bachelor is doable but still rather tight. Your mortgage payment isn't the only payment you will make on your house. If you get an FHA loan with 3.5% down, the lender will demand PMI. The city/county will likely levy a property tax on the assessed value of land and building. The lender may require that you purchase home insurance with minimum acceptable coverage limits and deductibles. All of these will be paid into escrow accounts, managed by your lending bank, from a single check you send them monthly. I pay all of these, in a state (Texas) that gets its primary income from sales and property tax instead of income, and my monthly payment isn't quite double the simple P&I. Once you have the house, you'll want to fill the house. Nice bed: probably $1500 between mattress and frame for a nice big queen you can stretch out on (and have lady friends over). Nice couch: $1000. TV: call it $500. That's probably the bare minimum you'll want to buy to replace what you lived through college with (you'll have somewhere to eat and sleep other than the floor of your new home), and we're already talking almost a month's salary, or payments of up to 10% of your monthly take-home pay over a year on a couple of store credit cards. Plates, cookware, etc just keeps bumping this up. Yes, they're (theoretically) all one-time costs, but they're things you need, and things you may not have if you've been living in dorms and eating in dining halls all through college. The house you buy now is likely to be a \"\"starter\"\", maybe 3bed/2bath and 1600 sqft at the upper end (they sell em as small as 2bd/1bt 1100sqft). It will support a spouse and 2 kids, but by that point you'll be bursting at the seams. What happens if your future spouse had the same idea of buying a house early while rates were low? The cost of buying a house may be as little as 3.5% down and a few hundred more in advance escrow and a couple other fees the seller can't pay for you. The cost of selling the same house is likely to include all the costs you made the seller pay when you bought it, because you'll be selling to someone in the same position you're in now. I didn't know it at the time I bought my house, but I paid about $5,000 to get into it (3.5% down and 6 months' escrow up front), while the sellers paid over $10,000 to get out (the owner got married to another homeowner, and they ended up selling both houses to move out of town; I don't even know what kind of bath they took on the house we weren't involved with). I graduated in 2005. I didn't buy my first house until I was married and pretty much well-settled, in 2011 (and yes, we were looking because mortgage rates were at rock bottom). We really lucked out in terms of a home that, if we want to or have to, we can live in for the rest of our lives (only 1700sqft, but it's officially a 4/2 with a spare room, and a downstairs master suite and nursery/office, so when we're old and decrepit we can pretty much live downstairs). I would seriously recommend that you do the same, even if by doing so you miss out on the absolute best interest rates. Last example: let's say, hypothetically, that you bite at current interest rates, and lock in a rate just above prime at 4%, 3.5% down, seller pays closing, but then in two years you get married, change jobs and have to move. Let's further suppose an alternate reality in which, after two years of living in an apartment, all the same life changes happen and you are now shopping for your first house having been pre-approved at 5%. That one percentage point savings by buying now, on a house in the $200k range, is worth about $120/mo or about $1440/yr off of your P&I payment ($921.42 on a $200,000 home with a 30-year term). Not chump change (over 30 years if you had been that lucky, it's $43000), but it's less than 5% of your take-home pay (month-to-month or annually). However, when you move in two years, the buyer's probably going to want the same deal you got - seller pays closing - because that's the market level you bought in to (low-priced starters for first-time homebuyers). That's a 3% commission for both agents, 1% origination, 0.5%-1% guarantor, and various fixed fees (title etc). Assuming the value of the house hasn't changed, let's call total selling costs 8% of the house value of $200k (which is probably low); that's $16,000 in seller's costs. Again, assuming home value didn't change and that you got an FHA loan requiring only 3.5% down, your down payment ($7k) plus principal paid (about another $7k; 6936.27 to be exact) only covers $14k of those costs. You're now in the hole $2,000, and you still have to come up with your next home's down payment. With all other things being equal, in order to get back to where you were in net worth terms before you bought the house (meaning $7,000 cash in the bank after selling it), you would need to stay in the house for 4 and a half years to accumulate the $16,000 in equity through principal payments. That leaves you with your original $7,000 down payment returned to you in cash, and you're even in accounting terms (which means in finance terms you're behind; that $7,000 invested at 3% historical average rate of inflation would have earned you about $800 in those four years, meaning you need to stick around about 5.5 years before you \"\"break even\"\" in TVM terms). For this reason, I would say that you should be very cautious when buying your first home; it may very well be the last one you'll ever buy. Whether that's because you made good choices or bad is up to you.\"",
"title": ""
},
{
"docid": "baa03a0acecbb06148485f6ff194f9ca",
"text": "If the best they can do is 1/8th of a percent for a 15 year term, you are best served by taking the 30 year term. Pay it down sooner if you can, but it's nice to have the flexibility if you have a month where things are tight.",
"title": ""
},
{
"docid": "89f1ade5a5d1facb184bb496ca30acfd",
"text": "I would not take this personal loan. Let's look closer at your options. Currently, you are paying $1100 a month in rent, and you have all the money saved up that you need to be able to pay cash for school. That's a good position to be in. You are proposing to take out a loan and buy an apartment. Between your new mortgage and your new personal loan payment, you'll be paying $1500 a month, and that is before you pay for the extra expenses involved in owning, such as property taxes, insurance, etc. Yes, you'll be gaining some equity in an apartment, but in the short term over the next two years, you'll be spending more money, and in the first two years of a 30 year mortgage, almost all of your payment is interest anyway. In two years from now, you'll have a master's degree and hopefully be able to make more income. Will you want to get a new job? Will you be moving to a new city? Maybe, maybe not. By refraining from purchasing the apartment now, you are able to save up more cash over the next two years and you won't have an apartment tying you down. With the money you save by not taking the personal loan, you'll have enough cash for a down payment for an apartment wherever your new master's degree takes you.",
"title": ""
},
{
"docid": "eedf6da91e9b2f131f37f1f643d7a0e7",
"text": "Fixed You are confirming the amount you are going t pay over the term of the loan. Variable: 3.79% over 82mo. The total difference over the life of the loan comes to around $1200 That is the wrong way to calculate the variable portion. The variable is primarily set with a margin over a certain benchmark i.e. Fed rate. Assuming the Fed rate doesn't change over or only goes lower the variable rate is the one to go. If it rises then your payment will increase. And the margin they take over the benchmark rate may increase, so the total amount you pay might increase too. I would assume a read through the T&Cs should clarify that for you. Is it ever a good idea to choose a variable rate loan? Only if you think we are in a low interest rate environment i.e. the economy is in doldrums and the Feds are trying to simulate the economy by decreasing the benchmark rates. And you are sure that the lender isn't going to increase his margins if the rate remains low for quite a substantial amount of time. And I might assume there will be penalties for paying off a loan quicker.",
"title": ""
},
{
"docid": "47ac7145096a771bd1f899b08bb62fa5",
"text": "\"You also want to make sure that the loan is being re-amortized (sometimes called \"\"recasting\"\"). Without this, you are still responsible for the interest payments according to the original amortization table. If you re-amortize the loan with a principal that is lower than on the table, you will reduce the amount of interest you owe each period, which means that if you maintain the same payment you will pay less in total interest. It's important to realize that most people re-amortize to reduce the payment amount but not the term. Also, not all loans can be re-amortized, and some banks limit how often it can be done.\"",
"title": ""
},
{
"docid": "a6e0f11eee26c79cceb8d21f1db5f85e",
"text": "\"There's a loophole that could enable you to have it both ways. Start taking it out as soon as you are eligible. e.g. at age 62. If you decide you want more, starting at age 65, you can \"\"start fresh\"\" (at a higher level) by repaying what you took out between ages 62-64 at face value. Essentially, you can take out an interest-free loan for those years. Or so the experts at Agora Financial have told me.\"",
"title": ""
}
] |
fiqa
|
b0c1cbc1807b25c4a7cdb82eed49b83f
|
Short or Long Term Capital Gains for Multiple Investments
|
[
{
"docid": "b9d65921f3dd4bb75d269ea1873d8ddf",
"text": "The default is FIFO: first in - first out. Unless you specifically instruct the brokerage otherwise, they'll report that the lot you've sold is of Jan 5, 2011. Note, that before 2011, they didn't have to report the cost basis to the IRS, and it would be up to you to calculate the cost basis at tax time, but that has been changed in 2011 and you need to make sure you've instructed the brokerage which lot exactly you're selling. I'm assuming you're in the US, in other places laws may be different.",
"title": ""
},
{
"docid": "174df252db3033dd38bbf830ef5356d5",
"text": "Tell your broker. You can usually opt to have certain positions be FIFO and others LIFO. Definitely possible with Interactive Brokers.",
"title": ""
}
] |
[
{
"docid": "83dd680682d6da8626fc7ad3e054c190",
"text": "No matter what, you owe taxes on the gains, known as capital gains. How much, depends on how long you invested it for. In your example, each month is treated separately - each month you contribute starts a new clock on that set of investments. If you hold it for longer than a year, the taxes are treated as long-term, and less than a year is short-term. Short term taxes are at your marginal rate, and long term taxes are different, usually 15%. https://www.irs.gov/taxtopics/tc400/tc409",
"title": ""
},
{
"docid": "af53fe1b8df5ef47b581399e1b92a747",
"text": "\"An investment is sold when you sell that particular stock or fund. It doesn't wait until you withdraw cash from the brokerage account. Whether an investment is subject to long term or short term taxes depends on how long you held that particular stock. Sorry, you can't get around the higher short term tax by leaving the money in a brokerage account or re-investing in something else. If you are invested in a mutual fund, whether it's long or short term depends on when you buy and sell the fund. The fact that the fund managers are buying and selling behind your back doesn't affect this. (I don't know what taxes they have to pay, maybe you really are paying for it in the form of management fees or lower returns, but you don't explicitly pay the tax on these \"\"inner\"\" transactions.) Your broker should send you a tax statement every year giving the numbers that you need to fill in to the various boxes of your income tax form. You don't have to figure it out. Of course it helps to know the rules. If you've held a stock for 11 1/2 months and are planning to sell, you might want to consider waiting a couple of weeks so it becomes a long term capital gain rather than short term and thus subject to lower tax.\"",
"title": ""
},
{
"docid": "25a57008feacf3d30214aaf84392307f",
"text": "It is worth noting first that interest and short-term dividends/capital gains are all taxed at the same rate. So all the investments below I mention (even savings accounts) will be taxed at the same rate. Also, even short-term capital losses can often be harvested to reduce your tax rate in many countries. While it is worth paying attention to the taxes when investing in the short term the more important factor is how much risk that you can take or want to take with the money. Most equity portfolios like the S&P index give a much higher risk that there will be much less in the account when you need to buy. You generally have a higher expected return with equity but as you mention that return is very random over such a short period. Over such a short variable period many people will invest in short term bond-index funds or just keep the fund in a high-yielding savings account. With the savings account your money is guaranteed. Short term bond funds will have generally higher yields but a small chance you may lose money in the short term. Some people can trade short-term bond indices for free with their broker but if you can't be sure to include the trading costs when thinking about which investment to use as with how low yields are currently the fees may eat up any advantage you gain.",
"title": ""
},
{
"docid": "209e0a3561e14be2b77fe04a34c4f754",
"text": "Long term gains are taxed at 15% maximum. Losses, up to the $3K/yr you cited, can offset ordinary income, so 25% or higher, depending on your income. Better to take the loss that way. With my usual disclaimer: Do not let the tax tail wag the investing dog.",
"title": ""
},
{
"docid": "4ee5b35b0455e555d9c22058508cc985",
"text": "\"From Intuit: \"\"Yes, but there are limits. Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term losses are deducted against long-term gains. Net losses of either type can then be deducted against the other kind of gain.\"\" \"\"If you have an overall net capital loss for the year, you can deduct up to $3,000 of that loss against other kinds of income, including your salary, for example, and interest income. Any excess net capital loss can be carried over to subsequent years to be deducted against capital gains and against up to $3,000 of other kinds of income.\"\" So in your case, take the loss now if you have short term gains. Also take it if you want to take a deduction on your salary (but this maxes at 3k, but you can keep using an additional 3k each year into the future until its all used up). There isn't really an advantage to a long term loss right now (since long term rates are LOWER than short term rates).\"",
"title": ""
},
{
"docid": "93e946a25669e18a1f2fb8f420eed114",
"text": "In the United States Short-term capital gains are taxed at rates similar to regular income which is 25% if you make less than $91,000 and 28% if you make more than that but less than $190,000. If you make more than $190,000 then the rate is 33%. If you hold the stock for a year or more than the tax rate is 15%, unless your income is less than $33,000 in which case there is no tax on long-term gains. As a general rule, the way to make money is to stay out of debt, so I cannot advise you to assume a mortgage. Financially you are better off investing your money. Much like you I bought a house with a mortgage using about $30,000 in a down payment about 20 years ago and I paid it off a few years ago. If I had to do it over again, I would have bought a shack (a steel building) for $30,000 and lived in that and invested my income. If I had done that, I would be about $500,000 richer today than I am now.",
"title": ""
},
{
"docid": "3b1313c7fe9c8a6cae73baa0bc146c45",
"text": "Indeed, there's no short term/long term issue trading inside the IRA, and in fact, no reporting. If you have a large IRA balance and trade 100 (for example) times per year, there's no reporting at all. As you note, long term gains outside the IRA are treated favorably in the tax code (as of now, 2012) but that's subject to change. Also to consider, The worst thing I did was to buy Apple in my IRA. A huge gain that will be taxed as ordinary income when I withdraw it. Had this been in my regular account, I could sell and pay the long term cap gain rate this year. Last, there's no concept of Wash sale in one's IRA, as there's no taking a loss for shares sold below cost. (To clarify, trading solely within an IRA won't trigger wash sale rules. A realized loss in a taxable account, combined with a purchase inside an IRA can trigger the wash sale rule if the stock is purchased inside the IRA 30 days before or after the sale at a loss. Thank you, Dilip, for the comment.) Aside from the warnings of trading too much or running afoul of frequency restrictions, your observation is correct.",
"title": ""
},
{
"docid": "afafec3ae79fa797fcb2e00de3988080",
"text": "For reporting purposes, I would treat the purchase and sale of gold like a purchase and sale of a stock. The place to do so is Schedule D. (And if it's the wrong form, but you reported it, there is might not be a penalty, whereas there is a penalty for NOT reporting.) The long term gain would be at capital gains rates. The short term gain would be at ordinary income rates. And if you have two coins bought at two different times, you get to choose which one to report (as long as you report the OTHER one when you sell the second coin).",
"title": ""
},
{
"docid": "bf0540111a2051185227f72005547c32",
"text": "\"Generally if you are using FIFO (first in, first out) accounting, you will need to match the transactions based on the number of shares. In your example, at the beginning of day 6, you had two lots of shares, 100 @ 50 and 10 @ 52. On that day you sold 50 shares, and using FIFO, you sold 50 shares of the first lot. This leaves you with 50 @ 50 and 10 @ 52, and a taxable capital gain on the 50 shares you sold. Note that commissions incurred buying the shares increase your basis, and commissions incurred selling the shares decrease your proceeds. So if you spent $10 per trade, your basis on the 100 @ 50 lot was $5010, and the proceeds on your 50 @ 60 sale were $2990. In this example you sold half of the lot, so your basis for the sale was half of $5010 or $2505, so your capital gain is $2990 - 2505 = $485. The sales you describe are also \"\"wash sales\"\", in that you sold stock and bought back an equivalent stock within 30 days. Generally this is only relevant if one of the sales was at a loss but you will need to account for this in your code. You can look up the definition of wash sale, it starts to get complex. If you are writing code to handle this in any generic situation you will also have to handle stock splits, spin-offs, mergers, etc. which change the number of shares you own and their cost basis. I have implemented this myself and I have written about 25-30 custom routines, one for each kind of transaction that I've encountered. The structure of these deals is limited only by the imagination of investment bankers so I think it is impossible to write a single generic algorithm that handles them all, instead I have a framework that I update each quarter as new transactions occur.\"",
"title": ""
},
{
"docid": "2eece10018e187b5456011337e0d74c9",
"text": "It was not 100% clear if you have held all of these stocks for over a year. Therefore, depending on your income tax bracket, it might make sense to hold on to the stock until you have held the individual stock for a year to only be taxed at long-term capital gains rates. Also, you need to take into account the Net Investment Income Tax(NIIT), if your current modified adjusted income is above the current threshold. Beyond these, I would think that you would want to apply the same methodology that caused you to buy these in the first place, as it seems to be working well for you. 2 & 3. No. You trigger a taxable event and therefore have to pay capital gains tax on any gains. If you have a loss in the stock and repurchase the stock within 30 days, you don't get to recognize the loss and have to add the loss to your basis in the stock (Wash Sales Rules).",
"title": ""
},
{
"docid": "97614544e35e57ca982ce71562c3803a",
"text": "\"You cannot get \"\"your investment\"\" out and \"\"leave only the capital gains\"\" until they become taxable at the long-term rate. When you sell some shares after holding them for less than a year, you have capital gains on which you will have to pay taxes at the short-term capital gains rate (that is, at the same rate as ordinary income). As an example, if you bought 100 shares at $70 for a net investment of $7000, and sell 70 of them at $100 after five months to get your \"\"initial investment back\"\", you will have short-term capital gains of $30 per share on the 70 shares that you sold and so you have to pay tax on that $30x70=$2100. The other $4900 = $7000-$2100 is \"\"tax-free\"\" since it is just your purchase price of the 70 shares being returned to you. So after paying the tax on your short-term capital gains, you really don't have your \"\"initial investment back\"\"; you have something less. The capital gains on the 30 shares that you continue to hold will become (long-term capital gains) income to you only when you sell the shares after having held them for a full year or more: the gains on the shares sold after five months are taxable income in the year of sale.\"",
"title": ""
},
{
"docid": "429cfce2e24562618c7116e039d669c4",
"text": "\"It's a tricky question w/out more context. If your only options are between stock/funds and letting it sit (i.e. in a saving or CD), I'd have to say option one is the way to go (but that's based on my situation, and you did ask \"\"if you ..\"\"). However, I think the true answer is \"\"it depends.\"\" It depends on your risk tolerance and what are your short-term vs. long-term financial needs. Only after answering those questions you can then seek to strategize and diversify investment accordingly.\"",
"title": ""
},
{
"docid": "c5578afe7b8b8fea73e4f1a44aea7c7e",
"text": "To try to answer the three explicit questions: Every share of stock is treated proportionately: each share is assigned the same dollar amount of investment (1/176th part of the contribution in the example), and has the same discount amount (15% of $20 or $25, depending on when you sell, usually). So if you immediately sell 120 shares at $25, you have taxable income on the gain for those shares (120*($25-$17)). Either selling immediately or holding for the long term period (12-18 mo) can be advantageous, just in different ways. Selling immediately avoids a risk of a decline in the price of the stock, and allows you to invest elsewhere and earn income on the proceeds for the next 12-18 months that you would not otherwise have had. The downside is that all of your gain ($25-$17 per share) is taxed as ordinary income. Holding for the full period is advantageous in that only the discount (15% of $20 or $25) will be taxed as ordinary income and the rest of the gain (sell price minus $20 or $25) will be taxed at long-term capital gain tax rates, which generally are lower than ordinary rates (all taxes are due in the year you do sell). The catch is you will sell at different price, higher or lower, and thus have a risk of loss (or gain). You will never be (Federally) double taxed in any scenario. The $3000 you put in will not be taxed after all is sold, as it is a return of your capital investment. All money you receive in excess of the $3000 will be taxed, in all scenarios, just potentially at different rates, ordinary or capital gain. (All this ignores AMT considerations, which you likely are not subject to.)",
"title": ""
},
{
"docid": "f8985859319a850622a66372ac3ac946",
"text": "I don't see a tag for United States, so I'm having to assume this is US taxes. It doesn't matter what app you use, IRS trades are all calculated the same. First, you have to report each trade on a 8949 and from that the totals go into a schedule D. Short term trades are stocks that you've kept exactly one year or less, long term trades are for 1 year + 1 day or more. Trades where you sold a stock for a loss, then bought that stock back again under 30 days don't get to count as a loss. This only affects realized capital gains and losses, you don't count fees. First, take all of your short term gains then offset them by all of your short term losses. Do the same for long term gains and losses. Short and long term gains are taxed at different rates. You can deduct losses from short term to your long term and vice versa. Then you can deduct the total losses up to $3000 (household, $1500 married, filing separately) per year on your regular income taxes or other dividend taxes. If you have over $3000 in losses, then you need to carry that over to subsequent years. Edited per Dave's comments: thanks Dave",
"title": ""
},
{
"docid": "182b561785b6dbb85ff8bf140ba84456",
"text": "\"If you only have to pay 23k federal taxes on 100k, that means you are in the long term capital gains tax rate, which is the lower of the tax rates available. First you get your federal income tax marginal tax rate, and then find the matching long term capital gains tax rate. For example, if your marginal federal income tax rate is 28%, your capital gains tax rate would be 15%. Or rather, if the amount of the gain would put you in the 28% rate, then your long term capital gains tax rate is 15%. You can reduce that by having more losses. If you have anything else invested anywhere that is taking a loss, then you can sell that this year and it will offset the other gains you have realized. The only note is that your losses have to be long term capital losses too. Tax loss harvesting takes this to an extreme where you sell something at a loss to lock in the tax loss, but you didn't really want to get rid of that investment, so then you buy a nearly identical investment. ie. if you owned shares of \"\"Direxion Tech Sector ETF\"\" and it was at a loss, you would sell that and then immediately buy \"\"ProShares Tech Sector ETF\"\", the competing product that does the exact same thing. Then there is charity. This still requires spending money and you not having it any longer. If you feel that a cause can use the money more directly than the US government, you can donate an appreciated asset to the charity - not report a gain and also take a charitable deduction.\"",
"title": ""
}
] |
fiqa
|
d400e8da9850cbf07b7f2e1133d961cf
|
Paying over the minimum mortgage payment
|
[
{
"docid": "ccbded8e947dc60198be6d55fec7d18c",
"text": "Let's look at some of your options: In a savings account, your $40,000 might be earning maybe 0.5%, if you are lucky. In a year, you'll have earned $200. On the plus side, you'll have your $40,000 easily accessible to you to pay for moving, closing costs on your new house, etc. If you apply it to your mortgage, you are effectively saving the interest on the amount for the life of the loan. Let's say that the interest rate on your mortgage is 4%. If you were staying in the house long-term, this interest would be compounded, but since you are only going to be there for 1 year, this move will save you $1600 in interest this year, which means that when you sell the house and pay off this mortgage, you'll have $1600 extra in your pocket. You said that you don't like to dabble in stocks. I wouldn't recommend investing in individual stocks anyway. A stock mutual fund, however, is a great option for investing, but only as a long-term investment. You should be able to beat your 4% mortgage, but only over the long term. If you want to have the $40,000 available to you in a year, don't invest in a mutual fund now. I would lean toward option #2, applying the money to the mortgage. However, there are some other considerations: Do you have any other debts, maybe a car loan, student loan, or a credit card balance? If so, I would forget everything else and put everything toward one or more of these loans first. Do you have an emergency fund in place, or is this $40,000 all of the cash that you have available to you? One rule of thumb is that you have 3 to 6 months of expenses set aside in a safe, easily accessible account ready to go if something comes up. Are you saving for retirement? If you don't already have retirement savings in place and are adding to it regularly, some of this cash would be a great start to a Roth IRA or something like that, invested in a stock mutual fund. If you are already debt free except for this mortgage, you might want to do some of each: Keep $10,000 in a savings account for an emergency fund (if you don't already have an emergency fund), put $5,000 in a Roth IRA (if you aren't already contributing a satisfactory amount to a retirement account), and apply the rest toward your mortgage.",
"title": ""
},
{
"docid": "0671f871b6a378c8268c393c5ce8b0a0",
"text": "First off, putting extra cash toward a mortgage early on, when most of the payments are going to interest, is the BEST time. If you pay an extra $1 on your mortgage today, you will save 30 years worth of interest (assuming a 30 year mortgage). If in 29 years you pay an extra dollar, you will only save 1 year worth of interest. That said, there are lots of things that go into a decision like this. Do you have other debts? How stable is your income? What is the interest rate on your mortgage compared to any other debts you may have or potential investments you might make? How much risk are you willing to take? Etc. Mortgages tend to be very low interest, and, at least in the U.S., the interest on them is tax-deductible, making the effective interest rate even lower. If you have some other loan, you are almost always better to pay the other loan off first. If you don't mind a little risk, you are usually better off to invest your money rather than pay off the mortgage. Suppose your mortgage is 5%. The average return on the stock market is something like 7% (according to my buddy who works for Wells Fargo). So if you put $1000 toward your mortgage, you'd save $50 the first year. (Ignoring compounding for simplicity, changes the exact numbers but not the basic idea.) If you put that same $1000 in the stock market, than if it's a typical year you'd make $70. You could put $50 of that toward paying the interest on your mortgage and you'd have $20 left to go on a wild spending spree. The catch is that the interest on a mortgage is fixed, while the return on an investment is highly variable. In an AVERAGE year the stock market might return 7%, but this year it might return 20% or it might lose 10% or a wide range of other possible numbers. (Well, you might have a variable rate mortgage, but there are still usually some defined limits on how much it can vary.)",
"title": ""
},
{
"docid": "281a6aa501eea636fd6056c3cad32420",
"text": "take a look at this graph here: http://mortgagevista.com/#m=1&a=40000&b=4&c=30y&B&oa&ob&oc&od It shows how much it costs to borrow $40k for 30 years. You did not post your mortgage rate or loan term, so I used 4% over 30 years (you can easily update this with your actual details). While this does not show the costs of your total mortgage, it does help you get an idea of just how much the 40k$ in question is costing you in interest. If you hover over the month one year from now you will see that you will have paid around $1587 in interest over the course of the year. If you were to put the full 40k$ toward your mortgage right now, you would avoid having to pay this interest over the next year. The next question I think you would have to ask yourself is if there is anything else you could do with that money that is worth more than the $1587 to you. Is it worth $1587 to keep those funds liquid/available in case you need to use them for something else? Could you find other investments you feel comfortable with that could earn you more than $1587? Is it worth the hassle/risk of investing the funds somewhere else with a better return? If you can't come up with anything better to do with the money then yes, you should probably use the funds (or at least part of them) towards the mortgage.",
"title": ""
}
] |
[
{
"docid": "cfdde11db92a65bae481e46318ecc460",
"text": "If you have a minimum monthly payment amount of $190, then you have to make a payment every month. If you pay only every 3 months (even if you pay 3 times the minimum amount, or much more), you would not be making the minimum monthly payment for each month: one month would get the minimum monthly payment, plus a lot more, then the following 2 months you would be in default because you didn't pay the minimum amount for that month! Interest is usually accrued daily, so you want to make the payments as early as possible. Pay back as much as you can afford each month, as soon as the money comes in. When computing how much you can afford, if you haven't already done so, it may be a good idea to keep a little bit aside (at least the first few months, to build up a little security pillow), just in case you need it (you won't be able to get money back from those overpayments if you need any money for an emergency).",
"title": ""
},
{
"docid": "a61d931bd678a82dee92f5c87219b9da",
"text": "The principal and interest are fixed, no matter how much money you throw at them. This is not correct. If I pay an extra $1000 in principal this month, then my mortgage balance is decreased. So slightly less interest accrues before my next payment. That means my next payment will be slightly more toward principal and slightly less toward interest than it would have been if I hadn't made an extra principal payment. This means that my principal will eventually drop to zero earlier than it would have if I had not made the extra payment, and I will end up making fewer total payments than I would have without the extra principal payments. Of course, the effect is even stronger if I make regular extra payments rather than a single one. Like paying off any debt, you can consider this payment essentially a risk free investment paying whatever is the interest rate on that debt. You know that by making this payment, you reduce your interest payments over the coming years by the interest rate on that amount. Edit: In comments you said, you will pay your mortgage off earlier but you won't drop the amount required to pay each month. Look at a mortgage amortization table to see this. This isn't because of the amortization table, it's because of the contract terms between you and the lender. After you make an extra principal payment, a new amortization schedule has to be calculated one way or another. It would be possible to re-calculate a new reduced monthly payment keeping the number of payments remaining fixed. Or you can calculate a new repayment schedule keeping the total monthly payment fixed and reducing the number of payments. It happens the banks prefer to do the 2nd of these rather than the first, so that's the terms they offer when lending. Perhaps someone more knowledgeable can comment on why they prefer that. In any case, by reducing your principal you improve your personal balance sheet and build equity in the mortgaged property so that, for example, if you sell you'll keep more of the proceeds and use less to pay off your loan.",
"title": ""
},
{
"docid": "cabd6507f50414dfaa6ef94b564f4d3a",
"text": "\"The reason to put more money down or accept a shorter maximum term is because the bank sweetens the deal (or fails to sour it in some fashion). For example, typically, if there is less than 20% down, you have to pay an premium called \"\"Private Mortgage Insurance\"\", which makes it bad deal. But I see banks offering the same rate for a 15%-year mortgage as for a 30-year one, and I think: fools and their money. Take the 30-year and, if you feel like it pay more every month. Although why you would feel like it, I don't know, since it's very difficult to get that money back if you need it.\"",
"title": ""
},
{
"docid": "4634cd7d88c054161302a975e8f7587c",
"text": "\"The simplest argument for overpayment is this: Let's suppose your fixed rate mortgage has an interest rate of 4.00%. Every £1 you can afford to overpay gives you a guaranteed effective return of 4.00% gross. Yes your monthly mortgage payment will stay the same; however, the proportion of it that's paying off interest every month will be less, and the amount that's actually going into acquiring the bricks and mortar of your home will be greater. So in a sense your returns are \"\"inverted\"\" i.e. because every £1 you overpay is £1 you don't need to keep paying 4% a year to continue borrowing. In your case this return will be locked away for a few more years, until you can remortgage the property. However, compared to some other things you could do with your excess £1s, this is a very generous and safe return that is well above the average rate of UK inflation for the past ten years. Let's compare that to some other options for your extra £1s: Cash savings: The most competitive rate I can currently find for instant access is 1.63% from ICICI. If you are prepared to lock your money away until March 2020, Melton Mowbray Building Society has a fixed rate bond that will pay you 2.60% gross. On these accounts you pay income tax at your marginal rate on any interest received. For a basic rate taxpayer that's 20%. If you're a higher rate taxpayer that means 40% of this interest is deducted as tax. In other words: assuming you pay income tax at one of these rates, to get an effective return of 4.00% on cash savings you'd have to find an account paying: Cash ISAs: these accounts are tax sheltered, so the income tax equation isn't an issue. However, the best rate I can find on a 4 year fixed rate cash ISA is 2.35% from Leeds Building Society. As you can see, it's a long way below the returns you can get from overpaying. To find returns such as that you would have to take a lot more risk with your money – for example: Stock market investments: For example, an index fund tracking the FTSE 100 (UK-listed blue chip companies) could have given you a total return of 3.62% over the last 3 years (past performance does not equal future returns). Over a longer time period this return should be better – historical performance suggests somewhere between 5 to 6% is the norm. But take a closer look and you'll see that over the last six months of 2015 this fund had a negative return of 6.11%, i.e. for a time you'd have been losing money. How would you feel about that kind of volatility? In conclusion: I understand your frustration at having locked in to a long term fixed rate (effectively insuring against rates going up), then seeing rates stay low for longer than most commentators thought. However, overpaying your mortgage is one way you can turn this situation into a pretty good deal for yourself – a 4% guaranteed return is one that most cash savers would envy. In response to comments, I've uploaded a spreadsheet that I hope will make the numbers clearer. I've used an example of owing £100k over 25 years at an unvarying 4% interest, and shown the scenarios with and without making a £100/month voluntary overpayment, assuming your lender allows this. Here's the sheet: https://www.scribd.com/doc/294640994/Mortgage-Amortization-Sheet-Mortgage-Overpayment-Comparison After one year you have made £1,200 in overpayments. You now owe £1,222.25 less than if you hadn't overpaid. After five years you owe £6,629 less on your mortgage, having overpaid in £6,000 so far. Should you remortgage at this point that £629 is your return so far, and you also have £6k more equity in the property. If you keep going: After 65 months you are paying more capital than interest out of your monthly payment. This takes until 93 months without overpayments. In total, if you keep up £100/month overpayment, you pay £15,533 less interest overall, and end your mortgage six years early. You can play with the spreadsheet inputs to see the effect of different overpayment amounts. Hope this helps.\"",
"title": ""
},
{
"docid": "638bd4fa6dd303bacc352bbf00a7f5bc",
"text": "\"Let's start with income $80K. $6,667/mo. The 28/36 rule suggests you can pay up to $1867 for the mortgage payment, and $2400/mo total debt load. Payment on the full $260K is $1337, well within the numbers. The 401(k) loan for $12,500 will cost about $126/mo (I used 4% for 10 years, the limit for the loan to buy a house) but that will also take the mortgage number down a bit. The condo fee is low, and the numbers leave my only concern with the down payment. Have you talked to the bank? Most loans charge PMI if more than 80% loan to value (LTV). An important point here - the 28/36 rule allows for 8% (or more ) to be \"\"other than house debt\"\" so in this case a $533 student loan payment wouldn't have impacted the ability to borrow. When looking for a mortgage, you really want to be free of most debt, but not to the point where you have no down payment. PMI can be expensive when viewed that it's an expense to carry the top 15% or so of the mortgage. Try to avoid it, the idea of a split mortgage, 80% + 15% makes sense, even if the 15% portion is at a higher rate. Let us know what the bank is offering. I like the idea of the roommate, if $700 is reasonable it makes the numbers even better. Does the roommate have access to a lump sum of money? $700*24 is $16,800. Tell him you'll discount the 2yrs rent to $15000 if he gives you it in advance. This is 10% which is a great return with rates so low. To you it's an extra 5% down. By the way, the ratio of mortgage to income isn't fixed. Of the 28%, let's knock off 4% for tax/insurance, so a $100K earner will have $2167/mo for just the mortgage. At 6%, it will fund $361K, at 5%, $404K, at 4.5%, $427K. So, the range varies but is within your 3-5. Your ratio is below the low end, so again, I'd say the concern should be the payments, but the downpayment being so low. By the way, taxes - If I recall correctly, Utah's state income tax is 5%, right? So about $4000 for you. Since the standard deduction on Federal taxes is $5800 this year, you probably don't itemize (unless you donate over $2K/yr, in which case, you do). This means that your mortgage interest and property tax are nearly all deductible. The combined interest and property tax will be about $17K, which in effect, will come off the top of your income. You'll start as if you made $63K or so. Can you live on that?\"",
"title": ""
},
{
"docid": "a585bc5550f3a83edfd17539631bc401",
"text": "\"As @BrenBarn points out, when people say \"\"they like having a mortgage because they get the benefit of writing off the interest\"\" they typically mean as opposed to renting. You can deduct interest and real estate (property) tax payments, as well as some closing costs in the year you purchase the home. You are also building equity (instead of helping your landlord build his or her equity). Take for example a single person paying $1,000/month to rent an apartment. This is not deductible. He has $1,800 a year in other expenditures that would otherwise be deductible (charitable contributions, etc.), but he doesn't itemize because it isn't more than the $6,100 standard deduction, so it doesn't matter. He takes out a mortgage for $150,000 at 6% over a 30-year term to buy a similarly-appointed home. His new mortgage payment is about $900/month, plus he puts $100/month into an escrow account for property taxes, roughly totaling his former rent payment. Over the first full year, he pays about $9,000 in deductible mortgage interest and $1,200 in deductible real estate taxes. And because he is now itemizing, he can also write off the aforementioned $1,800. At a top marginal tax rate of 25%, he shaved nearly $1,500 (.25 * (9000 + 1200 + 1800 - 6100)) off his federal income tax bill -- with the same living expenses! This is a simple example with some arbitrary numbers to prove the point, and there are a lot of other pros and cons to buying vs. renting. But again, this is probably what they mean when you hear this. Others have covered the overpaying angle, and there are a bunch of other Money.SE posts on the same or similar subjects.\"",
"title": ""
},
{
"docid": "9bc64707f88aaa78053413758a34ecec",
"text": "First, you are reading that document correctly, but it's not 78% of original mortgage. It is actually 78% of original home value. For example, if the home was valued at $100K when you bought it and you received a $90K loan, PMI must be removed when you owe $78K, not 78% of $90K. To make matters worse for the bank, they missed the required timing to drop PMI. I would print the document you referenced, cite the applicable portion, and tell them if they do not comply, you will report them for failure to comply. For example, I'm sure I am not the only one in this situation, and the FDIC will be eager to assess the huge fines they can collect from a bank that isn't operating within the law. Something like that.",
"title": ""
},
{
"docid": "0dc497d277202eaf06f2613555187913",
"text": "\"I read the linked article as gef05 did, it states that the bank must stop charging PMI. But. My understanding is different. I understood that the requirement to remove PMI at sub 80 loan to value only occurred after the natural amortization time had passed. For example, you buy a $100K home, you will be at 80% LTV the day you owe 80K. This date can be calculated at the closing as you know your numbers by then. There's nothing stopping you from asking the bank to stop charging PMI sooner, but I believe they already have an end date in mind. Besides the appraisal request, what exactly did they give as the reason they won't cancel PMI? Edit - I just re-read the link. The line \"\"you show that the value of the property hasn't gone down\"\" makes the bank's appraisal request reasonable, IMHO.\"",
"title": ""
},
{
"docid": "9a74ce917b8bba32d778ccb34fe977c9",
"text": "Depending on your bank you may receive an ACH discount for doing automatic withdrawals from a deposit account at that bank. Now, this depends on your bank and you need to do independent research on that topic. As far as dictating what your extra money goes towards each month (early payments, principal payments, interest payments) you need to discuss that with your bank. I'm sure it's not too difficult to find. In my experience most banks, so long as you didn't sign a contract on your mortgage where you're penalized for sending additional money, will apply extra money toward early payments, and not principal. I would suggest calling them. I know for my student loans I have to send a detailed list of my loans and in what order I want my extra payments toward each, otherwise it will be considered an early payment, or it will be spread evenly among them all.",
"title": ""
},
{
"docid": "aef2e985151219892fc80e2b444fdb0f",
"text": "Besides the reason in @rhaskett's answer, it is important to consider that paying off a 30-year mortgage as if it was a 15-year is much more inconvenient than just paying the regular payments of a 15-year mortgage. When you pay extra on your mortgage, some lenders do not know what to do with the extra payment, and need to be told explicitly that the extra needs to be applied toward the principal. You might need to do this every month with every payment. In addition, some lenders won't allow you to set up an automatic payment for more than the mortgage payment, so you might need to explicitly submit your payment with instructions for the lender each month, and then follow up each month to make sure that your payment was credited properly. Some lenders are better about this type of thing than others, and you won't really know how much of a hassle it will be with your lender until you start making payments. If you intend to pay it off in 15 years, then just get the 15-year mortgage.",
"title": ""
},
{
"docid": "f9dce05a7255e9cf5cd86ec82fce3395",
"text": "This is more of an interesting question then it looks on first sight. In the USA there are some tax reliefs for mortgage payments, which we don’t have in the UK unless you are renting out the property with the mortgage. So firstly work out the interest rate on each loan taking into account any tax reliefs, etc. Then you need to consider the charges for paying off a loan, for example often there is a charge if you pay off a mortgage. These days in the UK, most mortgagees allow you to pay off at least 10% a year without hitting such a charge – but check your mortgage offer document. How interest is calculated when you make an early payment may be different between your loans – so check. Then you need to consider what will happen if you need another loan. Some mortgages allow you to take back any overpayments, most don’t. Re-mortgaging to increase the size of your mortgage often has high charges. Then there is the effect on your credit rating: paying more of a loan each month then you need to, often improves your credit rating. You also need to consider how interest rates may change, for example if you mortgage is a fixed rate but your car loan is not and you expect interest rates to rise, do the calculations based on what you expect interest rates to be over the length of the loans. However, normally it is best to pay off the loan with the highest interest rate first. Reasons for penalties for paying of some loans in the UK. In the UK some short term loans (normally under 3 years) add on all the interest at the start of the loan, so you don’t save any interest if you pay of the loan quicker. This is due to the banks having to cover their admin costs, and there being no admin charge to take out the loan. Fixed rate loans/mortgagees have penalties for overpayment, as otherwise when interest rates go down, people will change to other lenders, so making it a “one way bet” that the banks will always loose. (I believe in the USA, the central bank will under right such loans, so the banks don’t take the risk.)",
"title": ""
},
{
"docid": "c2cbdeaba89cdcfdfdb6a2a852cf51ba",
"text": "\"Based on your information... The house is $130,000 all in (this might not be the case) Your payment term is 30 years. Your interest rate is about 7.35%. Your payments are about $895.66 Your total payments will total $322,438.95 That's not a very good interest rate for a mortgage, but this might be due to poor credit or limited credit history, too low income, or too much home value being financed (or a combination of the above and other factors). Northern Alabama may not specifically be higher interest rate: it might, honestly, just be you. The reason that you're paying $320,000 is that you're taking $130,000 from a bank and promising to pay it back with interest. Keep in mind, that's over *thirty years.* That's a LONG time. And the bank needs to earn enough interest to combat inflation (roughly 2% annually, generally). During that time, the bank *can't* invest that money elsewhere, return it to depositors, etc. A good rule to keep in mind is the \"\"rule of 72.\"\" It's a simple trick to determine, based on an interest rate, how quickly the value of something will double (in this case, the value of your loan payments). If your interest rate was exactly 7.2%, this method would calculate 10 years until doubling. In your case, 72 / 7.35 = 9.7959 years. Now, you're paying off your loan simultaneously, which lowers your interest over time, so your payments total 2.48x of loan value at origination. That still sucks, but remember, it's over a loooooooooooooooooooooooooooooooooong time.\"",
"title": ""
},
{
"docid": "acb94a9e1d388b05abaf94b5a3a69cde",
"text": "If the customer pays 20% of the payment in advance, then he is he owns 20% of the house and the bank owns 80%. Now they say he pays the rest of the amount and also the rent of the house until he becomes the sole owner of the house.",
"title": ""
},
{
"docid": "0b9b09480180e3d1bd2933988607e7ea",
"text": "I think the discrepancy you are seeing is in the detail of what happens once you pay off your student loan. If you take your monthly payment for your student loan, and apply that to your mortgage once the student loan is payed off, paying the highest interest loan will cone out ahead. If, on the other hand, you take your student loan payment and do something else with it (not pay down your mortgage), you would be better off paying on your mortgage. Say you have $1000 to put towards either loan, and there is 5 years to pay on the student loan, and 25 years to pay on the mortgage. By paying on the student loan you are, roughly, saving 5 years of 5% interest on that $1000. By paying on the mortgage, you are saving 25 years of 3% interest.",
"title": ""
},
{
"docid": "b3415a1c53a9d79df08c7fa642104a2f",
"text": "Simply put, for a mortgage, interest is charged only on the balance as well. Think of it this way - on a $100K 6% loan, on day one, 1/2% is $500, and the payment is just under $600, so barely $100 goes to principal. But the last payment of $600 is nearly all principal. By the way, you are welcome to make extra principal payments along with the payment due each month. An extra $244 in this example, paid each and every month, will drop the term to just 15 years. Think about that, 40% higher payment, all attacking the principal, and you cut the term by 1/2 the time.",
"title": ""
}
] |
fiqa
|
dedb8e3002d286ce49ef452306b305d7
|
How much money should I put on a house?
|
[
{
"docid": "4fd9b92c9d79afce35eef887de01bad3",
"text": "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 happier if it's all explicit. How much you should put on the house is not the right question. Houses don't sell instantly, and while you can access some of their stored value by borrowing against them that too can take some time to arrange. You need to have enough operating capital for normal finances, plus an emergency reserve to cover unexpectedly being out of work or sudden medical expenses. There are suggestions for how much that should be in answers to other questions. After that, the question is whether you should really be buying a house at all. It isn't always a better option than renting and (again as discussed in answers to other questions) there are ongoing costs in time and upkeep and taxes and insurance. If you're just thinking about the financials, it may be better to continue to rent and to invest the savings in the market. The time to buy a house is when you have the money and a reliable income, plan not to move for at least five years, really want the advantages of more elbow room and the freedom to alter the place to suit your needs (which will absorb more money)... As far as how much to put down vs. finance: you really want a down payment of at least 20%. Anything less than that, and the bank will insist you pay for mortgage insurance, which is a significant expense. Whether you want to pay more than that out of your savings depends on how low an interest rate you can get (this is a good time in that regard) versus how much return you are getting on your investments, combined with how long you want the mortgage to run and how large a mortgage payment you're comfortable committing to. If you've got a good investment plan in progress and can get a mortgage which charges a lower interest rate than your investments can reasonably be expected to pay you, putting less down and taking a larger mortgage is one of the safer forms of leveraged investing... IF you're comfortable with that. If the larger mortgage hanging over you is going to make you uncomfortable, this might not be a good answer for you. It's a judgement call. I waited until i'd been in out of school about 25 years before I was ready to buy a house. Since i'd been careful with my money over that time, I had enough in investments that I could have bought the house for cash. Or I could have gone the other way and financed 80% of it for maximum leverage. I decided that what I was comfortable with was financing 50%. You'll have to work thru the numbers and decide what you are comfortable with. But I say again, if buying shared property you need a lawyer involved. It may be absolutely the right thing to do ... but you want to make sure everything is fully spelled out... and you'll also want appropriate terms written into your wills. (Being married would carry some automatic assumptions about joint ownership and survivor rights... but even then it's safer to make it all explicit.) Edit: Yes, making a larger down payment may let you negotiate a lower interest rate on the loan. You'll have to find out what each bank is willing to offer you, or work with a mortgage broker who can explore those options for you.",
"title": ""
},
{
"docid": "4ff88d4345a3471c427a7da7f6f7feaf",
"text": "I Usually would not say this but if you can just put down 20% I would do that and get a 15 year mortgage. The rates are so low on 15 year mortgage that you should be able to make more than the 3% in the market per year and make some money. I wouldn't be surprised if for 1/2 of the term of your loan you will be able to make that just in interest. Basically I have done this for my house and my rental properties. So I have put my money where my mouth is on this. I have made over 9% each of the last three years which has made me $12,000 dollars above and beyond over what I would have paid in interest per year. So it a decision that net me $36,000 for doing nothing. Now the market is going to be down some of those years so lets see how it works out but I have history on my side. Its not about timing the market its about time in the market. And 15 years in the market is a pretty safe bet albeit not as safe as just dumping you money in the mortgage.",
"title": ""
}
] |
[
{
"docid": "317cb4092afec37930368ab204a397b9",
"text": "All the above advices plus this: For you first house, you should start smaller. Buy a 100k or less condo if possible, then grow from there. You sell every 5 years or so when the market is favorable and you will slowly get to that nice 250k house.",
"title": ""
},
{
"docid": "1021105f9b691a94f55193b46aa9d692",
"text": "Lets do the math, using your numbers. We start off with $100K, a desire to buy a house and invest, and 30 years to do it. Scenario #1 We buy a house for $100K mortgage at 5% interest over 30 years. Monthly payment ends up being $536.82/month. We then take the $100K we still have and invest it in stocks, earning an average of 9% annually and paying 15% taxes. Scenario #2 We buy a house for our $100K cash, and then, every month, we invest the $536.82 we would have paid for the mortgage. Again, investments make 9% annually long term, and we pay 15% taxes. How would it look in 30 years? Scenario #1 Results: 30 years later we would have a paid off house and $912,895 in investments Scenario #2 Results: 30 years later we would have a paid off house and $712,745 in investments Conclusion: NOT paying off your mortgage early results in an additional $200,120 in networth after 30 years. That's 28% more. Therefore, not paying off your mortgage is the superior scenario. Caveats/Notes/Things to consider Play with the numbers yourself:",
"title": ""
},
{
"docid": "afc9629d2c35aab04239bf5528fa9afe",
"text": "\"I see three areas of concern for your budget: This is way high. I am not sure how much of a house you live in, but the total of these two numbers should be around 25% not 41%. I am a person that considers giving an important part of wealth building, and gives to my local church. But as one other person has rightly said, this amount is irresponsible. I am okay at 12%, but would like to see you at 10% until you are in a little better shape. That is pretty vague for a significant portion of your income. What makes up that other category? You are doing pretty darn good financially, although I would like to see some contributions to investments. I think you are kind of failing there. Your debt management is spot on. That is okay, we can all get better at some stuff. There needs to be some numbers behind these percentages. The bottom line is if you make an average household income, say around 55K, you are going to struggle with or without children. If you guys make about 110K, and your wife makes 50% of your income, and she quits work to take care of the kidlets, then you will be in that \"\"boat\"\". Having said all that I find 37% of your income as questionable. At least 5% of that should be invested, so we are kind of like at 32%. That is a significant amount of money.\"",
"title": ""
},
{
"docid": "9603a0a9d4512d6fff36ef5f330d02a4",
"text": "It seems very risky have all of your net worth in this one home. If I were to buy the house, I'm not sure I would put that much down, consider 20% and keep cash on hand, in retirement assets, etc. I would look at how much a mortgage, plus interest, taxes, insurance, etc. would cost with 50% down and with 20% down and see how that impacts your cash flow. Renting may make more sense, it's hard to tell without more specifics (NYTimes Rent/Buy calculator is a nice tool), but regardless, I would not want to have so much net worth tied into one asset and so would opt for less money down if I were to buy. Focus on rebuilding some retirement assets.",
"title": ""
},
{
"docid": "4dcd512d72c0534795299c5d977528a9",
"text": "Are you trolling right now? If you knew what you were doing when you made that bet, you might consider reinvesting that money. 24yr olds don't buy first-time houses anymore. Houses today are meant for existing landowners and wealthy foreign investors willing to pay cash.",
"title": ""
},
{
"docid": "a1cbaf548cfac2d95afa711c88f816b6",
"text": "I think we would be good with paying around $1200 monthly mortgage fees (with all other property fees included like tax etc.) You probably can't get a $250k house for $1,200 a month including taxes and insurance. Even at a 4% rate and 20% down, your mortgage payment alone will be $954, and with taxes and insurance on top of that you're going to be over $1,200. You might get a lower rate but even a drop to 3% only lowers the payment $90/month. Getting a cheaper house (which also reduces taxes and insurance) is the best option financially. What to do with the $15k that I have? If you didn't have a mortgage I'd say to keep 3-6 months of living expenses in an emergency fund, so I wouldn't deplete that just to get a mortgage. You're either going to be Since 1) the mortgage payment would be tight and 2) you aren't able to save for a down payment, my recommendation is for you to rent until you can make a 20% down payment and have monthly payment that is 25% of your take-home pay or less. Which means either your income goes up (which you indicate is a possibility) or you look for less house. Ideally that would be on a 15-year note, since you build equity (and reduce interest) much more quickly than a 3-year note, but you can get the same effect by making extra principal payments. Also, very few people stay in their house for 30 years - 5 years is generally considered the cutoff point between renting and buying. Since you're looking at a 10-year horizon it makes sense to buy a house once you can afford it.",
"title": ""
},
{
"docid": "8b839d729f83a276ef9f64f6ca8539a4",
"text": "A $250K earner might have $4M in retirement savings and $500K in available funds, but doesn't wish to spend all his liquidity on the house. In general, a house might cost 2-3 times one's annual income. It would take many years to get that saved up. They might want to have the house sooner. It all goes back to choice, priorities, personal preference.",
"title": ""
},
{
"docid": "0671f871b6a378c8268c393c5ce8b0a0",
"text": "First off, putting extra cash toward a mortgage early on, when most of the payments are going to interest, is the BEST time. If you pay an extra $1 on your mortgage today, you will save 30 years worth of interest (assuming a 30 year mortgage). If in 29 years you pay an extra dollar, you will only save 1 year worth of interest. That said, there are lots of things that go into a decision like this. Do you have other debts? How stable is your income? What is the interest rate on your mortgage compared to any other debts you may have or potential investments you might make? How much risk are you willing to take? Etc. Mortgages tend to be very low interest, and, at least in the U.S., the interest on them is tax-deductible, making the effective interest rate even lower. If you have some other loan, you are almost always better to pay the other loan off first. If you don't mind a little risk, you are usually better off to invest your money rather than pay off the mortgage. Suppose your mortgage is 5%. The average return on the stock market is something like 7% (according to my buddy who works for Wells Fargo). So if you put $1000 toward your mortgage, you'd save $50 the first year. (Ignoring compounding for simplicity, changes the exact numbers but not the basic idea.) If you put that same $1000 in the stock market, than if it's a typical year you'd make $70. You could put $50 of that toward paying the interest on your mortgage and you'd have $20 left to go on a wild spending spree. The catch is that the interest on a mortgage is fixed, while the return on an investment is highly variable. In an AVERAGE year the stock market might return 7%, but this year it might return 20% or it might lose 10% or a wide range of other possible numbers. (Well, you might have a variable rate mortgage, but there are still usually some defined limits on how much it can vary.)",
"title": ""
},
{
"docid": "59b95e58c37fdc1cfd69882241584d5b",
"text": "The key question is whether this number includes taxes and insurance. When you get a mortgage in the U.S., the bank wants to be sure that you are paying your property taxes and that you have homeowners insurance. The mortgage is guaranteed by a lien on the house -- if you don't pay, the bank can take your house -- and the bank doesn't want to find out that your house burned down and you didn't bother to get insurance so now they have nothing. So for most mortgages, the bank collects money from the borrower for the taxes and insurance, and then they pay these things. This can also be convenient for the borrower as you are then paying a fixed amount every month rather than being hit with sizeable tax and insurance bills two or three times a year. So to run the numbers: As others point out, mortgage rates in the US today are running 3% to 4%. I just found something that said the average rate today is 3.6%. At that rate, your actual mortgage payment should be about $1,364. Say $1,400 as we're taking approximate numbers. So if the $2,000 per month does NOT include taxes and insurance, it's a bad deal. If it does, then not so bad. You don't say where you live. But in my home town, property taxes on a $300,000 house would be about $4,500 per year. Insurance is probably another $1000 a year. And if you have to get PMI, add another 1/2% to 3/4%, or $1500 to $2250 per year. Add those up and divide by 12 and you get about $600. Note my numbers here are all highly approximate, will vary widely depending on where the house is, so this is just a general ballpark. $1400 + $600 = $2000, just what you were quoted. So if the number is PITI -- principle, interest, taxes, and insurance -- it's about what I'd expect.",
"title": ""
},
{
"docid": "d4fd86258ec74ae357c703e1e22ab911",
"text": "Consider a single person with a net worth of N where N is between one and ten million dollars. has no source of income other than his investments How much dividends and interest do your investments return every year? At 5%, a US$10M investment returns $500K/annum. Assuming you have no tax shelters, you'd pay about $50% (fed and state) income tax. https://budgeting.thenest.com/much-income-should-spent-mortgage-10138.html A prudent income multiplier for home ownership is 3x gross income. Thus, you should be able to comfortably afford a $1.5M house. Of course, huge CC debt load, ginormous property taxes and the (full) 5 car garage needed to maintain your status with the Joneses will rapidly eat into that $500K.",
"title": ""
},
{
"docid": "48d833ac5345f602c855301d2bcf2736",
"text": "You should plan on your monthly payment (Principal + Interest + Escrow) being a conservative percentage of your take home pay. No matter your cash savings, if your housing is 60% of your take home pay you are going to have trouble keeping up on the house. My target for housing is that a 15 year, fixed rate mortgage should be under 25% of my take home pay. For some people, they find that too conservative. I think the exact percent is a risk/reward preference. Some people like the 25% number but look at a 30 year mortgage. Whatever you do, don't buy a house at the limit of what the bank thinks you can afford :) Historically, they have been more willing for me to spend my money than I have been.",
"title": ""
},
{
"docid": "f9e48a11308d97a1a6dc2bc0223e38dd",
"text": "Paying $12,000 in lump sumps annually will mean a difference of about $250 in interest vs. paying $1,000 monthly. If front-load the big payment, that saves ~$250 over paying monthly over the year. If you planned to save that money each month and pay it at the end, then it would cost you ~$250 more in mortgage interest. So that's how much money you would have to make with that saved money to offset the cost. Over the life of the loan the choice between the two equates to less than $5,000. If you pay monthly it's easy to calculate that an extra $1,000/month would reduce the loan to 17 years, 3 months. That would give you a savings of ~$400,000 at the cost of paying $207,000 extra during those 17 years. Many people would suggest that you invest the money instead because the annual growth rates of the stock market are well in excess of your 4.375% mortgage. What you decide is up to you and how conservative your investing strategy is.",
"title": ""
},
{
"docid": "7acbbba0cc389b3945e19b7f9eba5385",
"text": "As @mbhunter says, make sure you pay off any debt you have first. Then, it's a good idea to keep some or all of your savings as an emergency fund. If you use every last dime to pay for a house, you'll have no cushion available when something breaks down. The most common recommendation I've seen is to have 3-6 months worth of expenses as an emergency fund. Once you have that, then you can start saving for your down payment. As @Victor says, try to find the best interest rate you can for that money, but I wouldn't invest it in any kind of stock or bond product, because your need for it is too short term. Safety is more important than growth given your time frame. When you're ready to invest, make sure you learn all you can. You don't want to invest in something you don't understand, because that's how you get ripped off. You can be reading and talking to people while you're saving for your house so that, when the time comes, you'll have a pretty good idea of what you want to do for investments.",
"title": ""
},
{
"docid": "e7ceb82cec37d7d2d2ae175bc6f4b249",
"text": "The best way to look at it is this: I would suspect most people would say no. Most people do not have the time, skill, or risk tolerance to be able to leverage capital as large as the value of their own home. Remember that a 15-year fixed has a slightly lower interest rate than a 30-year fixed (difference of 0.5–1%). If you won't have the discipline to invest every cent left in your pocket, then you are better off with the 15-year and the lower rate.",
"title": ""
},
{
"docid": "fc667cc46903d9bf2c8fd48ffd853d9e",
"text": "\"I'll start by focussing on the numbers. I highly recommend you get comfortable with spreadsheets to do these calculations on your own. I assume a $200K loan, the mortgage for a $250K house. Scale this up or down as appropriate. For the rate, I used the current US average for the 30 and 15 year fixed loans. You can see 2 things. First, even with that lower rate to go 15 years, the payment required is 51% higher than with the 30. I'll get back to that. Second, to pay the 30 at 15 years, you'd need an extra $73. Because now you are paying at a 15 year pace, but with a 30 year rate. This is $876/yr to keep that flexibility. These are the numbers. There are 2 camps in viewing the longer term debt. There are those who view debt as evil, the $900/mo payment would keep them up at night until it's gone, and they would prefer to have zero debt regardless of the lifestyle choices they'd need to make or the alternative uses of that money. To them, it's not your house as long as you have a mortgage. (But they're ok with the local tax assessor having a statutory lien and his hand out every quarter.) The flip side are those who will say this is the cheapest money you'll ever see, and you should have as large a mortgage as you can, for as long as you can. Treat the interest like rent, and invest your money. My own view is more in the middle. Look at your situation. I'd prioritize In my opinion, it makes little sense to focus on the mortgage unless and until the first 5 items above are in place. The extra $459 to go to 15? If it's not stealing from those other items or making your cash flow tight, go for it. Keep one subtle point in mind, risk is like matter and energy, it's not created or destroyed but just moved around. Those who offer the cliche \"\"debt creates risk\"\" are correct, but the risk is not yours, it's the lender's. Looking at your own finances, liquidity is important. You can take the 15 year mortgage, and 10 years in, lose your job. The bank still wants its payments every month. Even if you had no mortgage, the tax collector is still there. To keep your risk low, you want a safety net that will cover you between jobs, illness, new babies being born, etc. I've gone head to head with people insisting on prioritizing the mortgage payoff ahead of the matched 401(k) deposit. Funny, they'd prefer to owe $75K less, while that $75K could have been deposited pretax (so $100K, for those in the 25% bracket) and matched, to $200K. Don't make that mistake.\"",
"title": ""
}
] |
fiqa
|
cf50f0b19ebc0f94a164a5d1d6b6a7d4
|
Is it better to miss the dividend and buy the undervalued stock?
|
[
{
"docid": "e2af9972a68c96a38eb32a69ff0d49fc",
"text": "The stock tends to drop by the amount of the dividend -- or if you prefer to think of it this way, the stock price has been pushed up by the amount of the dividend before it was paid out. Really, all this shift does is factor out the impending dividend's effect on the real purchase cost of the stock. As such it's pretty much irrelevant except that, of course, the dividend is short-term gain that you have to pay taxes on almost immediately. Which also tends to get figured into the price folks are willing to pay for the stock. Conclusion: no, there's no real opportunity here. There's a slight tax reason to avoid buying right before dividends are paid, but that's about it. Basic principle: If it's simple and obvious,the market has already accounted for it.",
"title": ""
},
{
"docid": "09f047ba79c88ff42831678755df779d",
"text": "I guess the answer lies in your tax jurisdiction (different countries tax capital gains and income differently) and your particular tax situation. If the price of the stock goes up or down between when you buy and sell then this counts for tax purposes as a capital gain or loss. If you receive a dividend then this counts as income. So, for instance, if you pay tax on income but not on capital gains (or perhaps at a lower rate on capital gains) then it would pay you to sell immediately before the stock goes ex-dividend and buy back immediately after thereby making a capital gain instead of receiving income.",
"title": ""
},
{
"docid": "8632d5c116e5d8e4cc5025c9fc91759e",
"text": "As yet another explanation of why it does not really matter, you can look at this from the valuation point of view. Stock price is the present value of its future cash flows (be it free cash flow of the firm or dividends, depending on the model). Let's have a look at the dividends case. Imagine, the price of the stock is based on only three dividends streams $5 dollars each: dividend to be paid today, in year 1, and in year 2. Each should be discounted back to today (say, at 10%), except today's dividend, since today is now. Once that dividend is paid, it is no longer in the stream of cash flows. So if we just delete that first $5 from the formula, the price will adjust itself down by the amount of the dividend to $8.68. NOTE that this is a very simple example, since in reality cash flows streams are arguably infinite and because there are many other factors affecting stock price. But simply for your understanding, this example should provide you with the reason simply from the valuation perspective.",
"title": ""
}
] |
[
{
"docid": "8a8c4a856d3e41d819f65e69170148d0",
"text": "It depends how deep in the money it is, compared to the dividend. Even an in the money call has some time premium. As the call holder, if I exercise instead of selling the call, I am trading the potential for a dividend, which I won't receive, for getting that time premium back by selling. Given the above, you'll notice a slight distortion in options pricing as a dividend date approaches, as the option will reflect not just the time premium, but the fact that exercising with grab the dividend. Edit to address your comment - $10 stock, $9 strike, 50 cent div. If the option price is high, say $2, because there's a year till expiration, exercising makes no sense. If it's just $1.10, I gain 40 cents by exercising and selling after the dividend.",
"title": ""
},
{
"docid": "dde8f7266f2819fb673198020fc362f7",
"text": "\"A dividend is one method of returning value to shareholders, some companies pay richer dividends than others; some companies don't typically pay a dividend. Understand that shareholders are owners of a company. When you buy a stock you now own a portion (albeit an extremely small portion) of that company. It is up to you to determine whether holding stock in a company is worth the risk inherent to equity investing over simply holding treasury notes or some other comparable no risk investment like bank savings or CDs. Investing isn't really intended to change your current life. A common phrase is \"\"investing in tomorrow.\"\" It's about holding on to money so you'll have it for tomorrow. It's about putting your money to work for you today, so you'll have it tomorrow. It's all about the future, not your current life.\"",
"title": ""
},
{
"docid": "188c35f2cf0a3c4db73b1b2821dc442b",
"text": "\"If a stock is trading for $11 per share just before a $1 per share dividend is declared, then the share price drops to $10 per share immediately following the declaration. If you owned 100 shares (valued at $1100) before the dividend was declared, then you still own 100 shares (now valued at $1000). Generally, if the dividend is paid today, only the owners of shares as of yesterday evening (or the day before maybe) get paid the dividend. If you bought those 100 shares only this morning, the dividend gets paid to the seller (who owned the stock until yesterday evening), not to you. You just \"\"bought a dividend:\"\" paying $1100 for 100 shares that are worth only $1000 at the end of the day, whereas if you had just been a little less eager to purchase right now, you could have bought those 100 shares for only $1000. But, looking at the bright side, if you bought the shares earlier than yesterday, you get paid the dividend. So, assuming that you bought the shares in timely fashion, your holdings just lost value and are worth only $1000. What you do have is the promise that in a couple of days time, you will be paid $100 as the dividend, thus restoring the asset value back to what it was earlier. Now, if you had asked your broker to re-invest the dividend back into the same stock, then, assuming that the stock price did not change in the interim due to normal market fluctuations, you would get another 10 shares for that $100 dividend making the value of your investment $1100 again (110 shares at $10 each), exactly what it was before the dividend was paid. If you didn't choose to reinvest the dividend, you would still have the 100 shares (worth $1000) plus $100 cash. So, regardless of what other investors choose to do, your asset value does not change as a result of the dividend. What does change is your net worth because that dividend amount is taxable (regardless of whether you chose to reinvest or not) and so your (tax) liability just increased.\"",
"title": ""
},
{
"docid": "8385719c8db684b5a4e3be501ec207d1",
"text": "\"Your chance of even correctly recognizing the actual lowest point of a dip are essentially zero, so if you try to time the market, you'll most likely not get the \"\"buy cheap\"\" part perfectly right. And as you write yourself, while you wait for the dip, you have an ongoing opportunity cost. Cost averaging is by far the best strategy for non-professional and risk averse investors to deal with this. And yes, over the long run, it's far more important to invest at all than when you do it.\"",
"title": ""
},
{
"docid": "9db569bce675d161d7a35a7149af3c52",
"text": "If a company is valued correctly, then paying dividends should lower the share price, and buying back shares should leave the share price unchanged. If the share price is $100, and the company pays a $10 dividend, then either its cash goes down by $10 per share, it is has to borrow money for the same amount, or some mixture. Either way, the value of the company has gone down by $10 per share. If the share price is $100, and the company buys back 10 percent of its shares, then it also has to find the money, just as for the dividend, and the value of the company goes down by 10 percent. However, the number of shares also goes down by 10 percent, so the amount of value per share is the same, and the share price should stay unchanged. Now there are psychological effects. Many people like getting paid dividends, so they will want to own shares of a company paying dividends, so the share price goes up. Similar with a share buyback; the fact that someone buys huge amounts of shares drives the price up. Both effects are purely psychological. A buyback has another effect if the shares are not valued correctly. If the company is worth $100 per share but for some reason the shareprice is down to $50, then after the buyback the value per share has even gone up. Basically the company buys from stupid investors, which increases the value for clever investors holding on to their shares. If the shareprice were $200, then buying back shares would be a stupid move for the company.",
"title": ""
},
{
"docid": "987d33b715576fb9b02c47166f7f0fc0",
"text": "\"The stock should fall by approximately the amount of the dividend as that is what is paid out. If you have a stock trading at $10/share and it pays a $1/share dividend, the price should drop to $9 as what was trading before the dividend was paid would be both the dividend and the stock itself. If the person bought just for the dividend then it would likely be neutral as there isn't anything extra to be gained. Consider if this wasn't the case. Wouldn't one be able to buy a stock a few days before the dividend and sell just after for a nice profit? That doesn't make sense and is the reason for the drop in price. Similarly, if a stock has a split or spin-off there may be changes in the price to reflect that adjustment in value of the company. If I give you 2 nickels for a dime, the overall value is still 10 cents though this would be 2 coins instead of one. Some charts may show a \"\"Dividend adjusted\"\" price to factor out these transactions so be careful of what prices are quoted.\"",
"title": ""
},
{
"docid": "4ed5fda8c033d8433225d658445dd9b8",
"text": "\"Their is no arbitrage opportunity with \"\"buying dividends.\"\" You're buying a taxable event. This is a largely misunderstood topic. The stock always drops by the amount if the dividend on the ex date. The stock opens that day trading \"\"ex\"\" (excluding) the dividend. It then pays out later based in the shareholders on record. There is a lot of talk about price movement and value here. That can happen but it's from trading not from the dividend per se. Yes sometimes you do see a stock pop the day prior to ex date because people are buying the stock for the dividend but the trading aspect of a stock is determined by supply and demand from people trading the stock. The dividends are paid out from the owners equity section of the balance sheet. This is a return of equity to shareholders. The idea is to give owners of the company some of their investment back (from when they bought the stock) without having the owners sell the shares of the company. After all if it's a good company you want to keep holding it so it will appreciate. Another similar way to think of it is like a bonds interest payment. People sometimes forget when trading that these are actual companies meant to be invested in. Your buying an ownership in the company with your cash. It really makes no difference to buy the dividend or not, all other things constant. Though market activity can add or lose value from trading as normal.\"",
"title": ""
},
{
"docid": "9842075b4cdeb667729dec1ebc42f941",
"text": "Stephen's answer is the 100% correct one made with the common Economics assumption, that people are rational. A company that never has paid dividends, is still worth something to people because of its potential to start paying dividends later and it is often better to grow now and payoff later. However, the actual answer is much more disapointing, because people are not rational and the stock market is no longer about investing in companies or earning dividends. Most of the value of a stock is for the same reason that gold, stamps, coins and bitcoins, and Australian houses are worth anything, that is, because enough people say it is worth something*. Even stocks that pay dividends, very few people buy it for dividends. They buy it because they believe someone else will be willing to buy it for slightly more, shortly after. Different traders have different timeframes, ranging from seconds to months. *Houses and stock are of course partially valuable due to the fundamentals, but the major reason they are purchased is just to resell at a profit.",
"title": ""
},
{
"docid": "7634073cc528cda9424fbd7a8253d95e",
"text": "You should never invest in a stock just for the dividend. Dividends are not guaranteed. I have seen some companies that are paying close to 10% dividends but are losing money and have to borrow funds just to maintain the dividends. How long can these companies continue paying dividends at this rate or at all. Would you keep investing in a stock paying 10% dividends per year where the share price is falling 20% per year? I know I wouldn't. Some high dividend paying stocks also tend to grow a lot slower than lower or non dividend paying stocks. You should look at the total return - both dividend yield and capital return combined to make a better decision. You should also never stay in a stock which is falling drastically just because it pays a dividend. I would never stay in a stock that falls 20%, 30%, 50% or more just because I am getting a 5% dividend. Regarding taxation, some countries may have special taxation rules when it comes to dividends just like they may have special taxation rules for longer term capital gains compared to shorter term capital gains. Again no one should use taxation as the main purpose to make an investment decision. You should factor taxation into your decision but it should never be the determining factor of your decisions. No one has ever become poor in making a gain and paying some tax, but many people have lost a great portion of their capital by not selling a stock when it has lost 50% or more of its value.",
"title": ""
},
{
"docid": "d8ff7ca00fec2541fdf41386bef1ea37",
"text": "\"Share prices change (or not) when shares are bought and sold. Unless he's sitting on a large percentage of the total shares, the fact that he isn't selling or buying means he's having no effect ar all on the stock price, and unless there's a vote war going on in the annual meeting his few stockholder votes aren't likely to have much effect there either (though there's always the outside chance of his being a tiebreaker). On the other hand, there's nothing inherently wrong with holding shares for a very long time and just taking the dividends (\"\"clipping coupons\"\"). Buy-and-hold is a legitimate strategy. Basically: His reason is wrong, but his action may be right, and you should probably just not ask.\"",
"title": ""
},
{
"docid": "3b24411e84ecc56597e67ce068060d8d",
"text": "It is a bit more complicated than whether it pays more or less dividends. You should make your decision based on how well the company is performing both fundamentally and technically. Concentrating mainly on the fundamental performance for this question, most good and healthy companies make enough profits to both pay out dividends and invest back into the company to keep growing the company and profits. In fact a good indication of a well performing company is when their dividend per share and earnings per share are both growing each year and the dividends per share are less than the earnings per share (that way you know dividends are being paid out from new profits and not existing cash holdings). This information can give you an indication of both a stable and growing company. I would rather invest in a company that pays little or no dividends but is increasing profits and growing year after year than a company that pays higher dividends but its profits are decreasing year after year. How long will the company continue to pay dividends for, if it starts making less and less profits to pay them with? You should never invest in a company solely because they pay dividends, if you do you will end up losing money. It is no use making $1 in dividends if you lose $2+ because the share price drops. The annual returns from dividends are often between 1% and 6%, and, in some cases, up to 10%. However, annual returns from capital gains can be 20%, 50%, 100% or more for a stable and growing company.",
"title": ""
},
{
"docid": "f28f50d44f6bb36c97ceb1f8fd233f50",
"text": "You should not buy soley for the dividend. The price of BHP is going down for a reason. If you hold until the full years dividend is paid you will make 11% (which is $110 if you bought $1000 worth of shares), but if the share price keeps dropping, you might lose 50% on the stock. So you make $110 on dividends but lose $500 on stock price drop. A perfect way to lose money.",
"title": ""
},
{
"docid": "3c367ad374da420b8a8c5cb6d2191b80",
"text": "Your strategy of longing company(a) and shorting company(b) is flawed as the prices of company(a) and company(b) can both increase and though you are right , you will lose money due to the shorting strategy. You should not engage in pair trading , which is normally used for arbitrage purposes You should just buy company(a) since you believed its a better company compared to company(b) , its as simple as that",
"title": ""
},
{
"docid": "9fbb3d32ea4121d054ca4956be87ef97",
"text": "You might be right about that, but your previous posts don't say that. In just the last one you said: >Because buyback decreases shares outstanding it **also decreases the company's total future dividend payouts as well** This is indicating that you believe there is a difference somehow, no?",
"title": ""
},
{
"docid": "160c44a324bab3abc239fa3ebc2a53bf",
"text": "Yes, the Fed has made a point of buying up longer-term bonds to push down rates on that part of the curve. That's not an indication that they're having problems selling Treasuries, in fact far from it. But apparently there's no demand for Treasuries and Bloomberg is just making up lies to help get Obama reelected? >Investors are plowing into Treasuries (USB2YBC) at a record pace as the supply of the world’s safest securities dwindles, ensuring yields will stay low regardless of whether the Federal Reserve undertakes more stimulus to fight unemployment. Buyers bid $3.19 for each dollar of the $538 billion in notes and bonds sold this year, the most since the government began releasing the data in 1992 and on pace to beat the high of $3.04 in 2011. The net amount of Treasuries available will decline by 30 percent once proceeds from maturing securities are reinvested, according to data from CRT Capital Group LLC. http://www.bloomberg.com/news/2012-04-09/record-treasury-demand-keeps-yields-low-as-supply-shrinks.html",
"title": ""
}
] |
fiqa
|
000f1d0edc6209eccaa3ac83258f2d43
|
Do I need to file a tax return as a student?
|
[
{
"docid": "58fd1222e8565395bee7290f7a71a3e3",
"text": "\"In the U.S., Form 1040 is known as the tax return. This is the form that is filed annually to calculate your tax due for the year, and you either claim a refund if you have overpaid your taxes or send in a payment if you have underpaid. The form is generally due on April 15 each year, but this year the due date is April 18, 2016. When it comes to filing your taxes, there are two questions you need to ask yourself: \"\"Am I required to file?\"\" and \"\"Should I file?\"\" Am I required to file? The 1040 instructions has a section called \"\"Do I have to file?\"\" with several charts that determine if you are legally required to file. It depends on your status and your gross income. If you are single, under 65, and not a dependent on someone else's return, you are not required to file if your 2015 income was less than $10,300. If you will be claimed as a dependent on someone else's return, however, you must file if your earned income (from work) was over $6300, or your unearned income (from investments) was over $1050, or your gross (total) income was more than the larger of either $1050 or your earned income + $350. See the instructions for more details. Should I file? Even if you find that you are not required to file, it may be beneficial to you to file anyway. There are two main reasons you might do this: If you have had income where tax has been taken out, you may have overpaid the tax. Filing the tax return will allow you to get a refund of the amount that you overpaid. As a student, you may be eligible for student tax credits that can get you a refund even if you did not pay any tax during the year. How to file For low income tax payers, the IRS has a program called Free File that provides free filing software options.\"",
"title": ""
},
{
"docid": "37d3deae559faa027f581038480369ba",
"text": "Should I go see a CPA? Not unless you are filing paperwork for a corporation. A CPA (Certified Public Accountant) is a certification required to file certain paperwork for a corporation. In any other situation, you don't need a CPA and can just use a regular accountant. You could conceivably go to a tax accountant, but unless you are doing something complicated (like your own business) or are rich enough that everything is complicated, you should not need to do so.",
"title": ""
}
] |
[
{
"docid": "70cf8d23890f8f5e17526f378a4ec318",
"text": "\"In a word, no. If your income is high enough to have to file a return, you have to file a return. My accountant has a nice mindset for making it more palatable. I'll paraphrase: \"\"Our tax system is ludicrously complicated. As a result, it is your duty as an American to seek out and take advantage of every deduction and credit available to you. If our politicians and leaders put it into the tax code, use it to your advantage.\"\" A friend of mine got a free golf cart that way. It was a crazy combination of credits and loopholes for electric vehicles. That loophole has been closed, and some would say it's a great example of him exercising his patriotic duty.\"",
"title": ""
},
{
"docid": "c8429265033f2b74acb269e7e2c43e9f",
"text": "In the USA, you probably owe Self Employment Tax. The cutoff for tax on this is 400$. You will need to file a tax return and cover the medicaid expenses as if you were both the employer and employee. In addition, if he earns income from self-employment, he may owe Self-Employment Tax, which means paying both the employee’s and employer's share of Social Security and Medicaid taxes. The trigger for Self Employment Tax has been $400 since 1990, but the IRS may change that in the future. Also see the IRS website. So yes, you need to file your taxes. How much you will pay is determined by exactly how much your income is. If you don't file, you probably won't be audited, however you are breaking the law and should be aware of the consequences.",
"title": ""
},
{
"docid": "20ddde4441bb0e5a4d7ee4f81e44300d",
"text": "According to the Illinois Department of Revenue, you don't have to file any taxes that are specific to a LLC, only your personal taxes. LLC on Federal level is disregarded, instead you submit all your business income/expenses on Schedule C. On the state level - it seems to be the same (only individual tax return). Consult your state certified tax specialist. That is not the case in other states, for example in California LLC has to file its own tax return and pay its own taxes, in additional to the individual taxes.",
"title": ""
},
{
"docid": "bc721c0bcdd095c130ae3e926407beb0",
"text": "Companies in the US will take care of paying a portion of your required income tax on your behalf based on some paperwork you fill out when starting work. However, it is up to you as an individual to submit an income tax return. This is used to ensure that you did not end up under or overpaying based on what your company did on your behalf and any other circumstances that may impact your actual tax owed. In my experience, the process is similar in Europe. I think anyone who has a family, a house or investments in Europe would need to file an income tax return as that is when things start to get complex.",
"title": ""
},
{
"docid": "94c39b345a0eb3878d903cb081e28da2",
"text": "Are you planning to not pay taxes? Any time someone has income in the U.S., it is subject to U.S. taxes. You must file tax returns (and pay taxes if necessary) if you have income above a certain threshold, regardless of whether you're not authorized to work or not. If you plan to intentionally not pay taxes, then that's a whole other matter from working without authorization. Working without authorization is an immigration issue. It probably violates the conditions of your status, which will make you to automatically lose your status. That may or may not affect when you want to want to visit, immigrate to, or get other immigration benefits in the U.S. in the future; and at worst you may be deported. It's a complicated topic, but not really relevant for this site.",
"title": ""
},
{
"docid": "acc343e3f8b327a4ea13ba9a21c8bb90",
"text": "Since you worked as an RA, the university should send you a W2 form. The taxable wages line in that form would be the sum of both the direct salary and employer paid benefits that are taxable. As such you should not need to do anything than enter the numbers that they provide you.",
"title": ""
},
{
"docid": "7c2718faab7ee5008d2257c0669ca216",
"text": "\"I'm assuming that by saying \"\"I'm a US resident now\"\" you're referring to the residency determination for tax purposes. Should I file a return in the US even though there is no income here ? Yes. US taxes its residents for tax purposes (which is not the same as residents for immigration or other purposes) on worldwide income. If yes, do I get credits for the taxes I paid in India. What form would I need to submit for the same ? I am assuming this form has to be issued by IT Dept in India or the employer in India ? The IRS doesn't require you to submit your Indian tax return with your US tax return, however they may ask for it later if your US tax return comes under examination. Generally, you claim foreign tax credits using form 1116 attached to your tax return. Specifically for India there may also be some clause in the Indo-US tax treaty that might be relevant to you. Treaty claims are made using form 8833 attached to your tax return, and I suggest having a professional (EA/CPA licensed in your State) prepare such a return. Although no stock transactions were done last year, should I still declare the value of total stocks I own ? If so what is an approx. tax rate or the maximum tax rate. Yes, this is done using form 8938 attached to your tax return and also form 114 (FBAR) filed separately with FinCEN. Pay attention: the forms are very similar with regard to the information you provide on them, but they go to different agencies and have different filing requirements and penalties for non-compliance. As to tax rates - that depends on the types of stocks and how you decide to treat them. Generally, the tax rate for PFIC is very high, so that if any of your stocks are classified as PFIC - you'd better talk to a professional tax adviser (EA/CPA licensed in your State) about how to deal with them. Non-PFIC stocks are dealt with the same as if they were in the US, unless you match certain criteria described in the instructions to form 5471 (then a different set of rules apply, talk to a licensed tax adviser). I will be transferring most of my stock to my father this year, will this need to be declared ? Yes, using form 709. Gift tax may be due. Talk to a licensed tax adviser (EA/CPA licensed in your State). I have an apartment in India this year, will this need to be declared or only when I sell the same later on ? If there's no income from it - then no (assuming you own it directly in your own name, for indirect ownership - yes, you do), but when you sell you will have to declare the sale and pay tax on the gains. Again, treaty may come into play, talk to a tax adviser. Also, be aware of Section 121 exclusion which may make it more beneficial for you to sell earlier.\"",
"title": ""
},
{
"docid": "9cf7eb1d359acbe01101e11b426bc974",
"text": "Let's have a look at Who must send a tax return: You’ll need to send a tax return if, in the last tax year: And we're done. It doesn't matter that your tax will come out to zero - you still need to TELL them this, otherwise how are they going to know? 'Person liable for zero tax who doesn't send their tax return' and 'Person liable for a million quid of tax who doesn't send their tax return' look the same...",
"title": ""
},
{
"docid": "4cf29d950fdc42da450810e87d3e1eac",
"text": "\"I am not aware of any place that the tax forms ask, \"\"How many people live in your house?\"\" They ask how many dependants you have, and not everyone who lives in your house is your dependant. There are very specific rules about that. If your girlfriend is being claimed as a dependent on her parents' tax return, then she cannot also be claimed on anyone else's return, and there's no need to investigate further. To claim someone as a dependent, they have to meet a number of conditions. I am not a lawyer. See IRS Publication 17. But the gist of it is that they must, (a) either be a relative (there's a list of what sorts of relatives qualify) or live with you all year; (b) Living with you must not violate local law; (c) Must make less than $4000 per year; and (d) You must provide over half of their support. Your girlfriend may meet the \"\"live with you all year\"\" or maybe not. But the real stumper is likely to be (d). Unless your parents are paying her tuition, they almost certainly don't meet this test.\"",
"title": ""
},
{
"docid": "00b3c587b025b5ae800f89468ba7f5d0",
"text": "To be on the safe side - you'll want to get the full invoice. You don't need to actually print them, you can save it as a PDF and make sure to make your own backups once in a while. Only actually print them when the IRS asks you to kill some trees and send them a paper response, and even then you can talk to the agent in charge and check if you can email the digital file instead. The IRS won't ask for this when you file your taxes, they will only ask for this if you're under audit and they will want to actually validate the numbers on your return. You'll know when you're under audit, and who is the auditor (the agent in charge of your case). You'll also want to have some representation when that happens.",
"title": ""
},
{
"docid": "328d9ea0fda297f04389a4d04d3ab323",
"text": "It is unlikely that UK tax will be due on the money -- see here: Foreign students usually don’t pay UK tax on foreign income or gains, as long as they’re used for course fees or living costs But if the UK doesn't tax you on the money then double-taxation agreements probably won't apply, and so any Italian tax due will be payable.",
"title": ""
},
{
"docid": "c9465295f9681f3dc74f2e647335bfdd",
"text": "Since you are living in India and earning income not from salary, you must file your tax return under ITR4(Profits or Gains of Business or Profession). You can do it online on IncomeTax India eFiling website, step by step guide available here.",
"title": ""
},
{
"docid": "9c3b32d642fa5b954e6042862d04208d",
"text": "One significant reason it makes sense for filing to be the default is home ownership rates. I think far more so than investment income, Americans own homes: as there is a significant mortgage interest deduction, between that and investments a large number of Americans would have to file (about a third of Americans get the mortgage interest tax deduction, and a large chunk of the richest don't qualify but would have to file for investments anyway). We also have a very complicated tax code, with nearly everyone getting some kind of deduction. Earned Income Tax Credit for the working poor (folks making, say, $30k for a family of 4 with a full-time job get several thousand dollars in refundable credits, for example), the Student Loan interest deduction, the above mortgage deduction, almost everyone gets something. Finally, your employer may not know about your family situation. As we have tax credits and deductions for families based on number of children, for example, it's possible your employer doesn't know about those (if you don't get health insurance on their behalf, they may well not know). Start reporting things like that separately... and you end up with about as much work as filing is now.",
"title": ""
},
{
"docid": "9c68cedbd4aa170b06821aa99ccc65c1",
"text": "\"There are two different issues that you need to consider: and The answers to these two questions are not always the same. The answer to the first is described in some detail in Publication 17 available on the IRS website. In the absence of any details about your situation other than what is in your question (e.g. is either salary from self-employment wages that you or your spouse is paying you, are you or your spouse eligible to be claimed as a dependent by someone else, are you an alien, etc), which of the various rule(s) apply to you cannot be determined, and so I will not state a specific number or confirm that what you assert in your question is correct. Furthermore, even if you are not required to file an income-tax return, you might want to choose to file a tax return anyway. The most common reason for this is that if your employer withheld income tax from your salary (and sent it to the IRS on your behalf) but your tax liability for the year is zero, then, in the absence of a filed tax return, the IRS will not refund the tax withheld to you. Nor will your employer return the withheld money to you saying \"\"Oops, we made a mistake last year\"\". That money is gone: an unacknowledged (and non-tax-deductible) gift from you to the US government. So, while \"\"I am not required to file an income tax return and I refuse to do voluntarily what I am not required to do\"\" is a very principled stand to take, it can have monetary consequences. Another reason to file a tax return even when one is not required to do so is to claim the Earned Income Tax Credit (EITC) if you qualify for it. As Publication 17 says in Chapter 36, qualified persons must File a tax return, even if you: (a) Do not owe any tax, (b) Did not earn enough money to file a return, or (c) Did not have income taxes withheld from your pay. in order to claim the credit. In short, read Publication 17 for yourself, and decide whether you are required to file an income tax return, and if you are not, whether it is worth your while to file the tax return anyway. Note to readers preparing to down-vote: this answer is prolix and says things that are far too \"\"well-known to everybody\"\" (and especially to you), but please remember that they might not be quite so well-known to the OP.\"",
"title": ""
},
{
"docid": "b80f37a9693776121b787c7f4caa04d8",
"text": "No, you probably do not need to file a tax return if you received no income, and if you meet a number of other criteria. The below is copied and pasted, slightly edited, from the CRA: You must file a return for 2014 if any of the following situations apply: You have to pay tax for 2014. We sent you a request to file a return. You and your spouse or common-law partner elected to split pension income for 2014. See lines 115, 116, 129, and 210. You received working income tax benefit (WITB) advance payments in 2014. You disposed of capital property in 2014 (for example, if you sold real estate or shares) or you realized a taxable capital gain (for example, if a mutual fund or trust attributed amounts to you, or you are reporting a capital gains reserve you claimed on your 2013 return). You have to repay any of your old age security or employment insurance benefits. See line 235. You have not repaid all amounts withdrawn from your registered retirement savings plan (RRSP) under the Home Buyers’ Plan or the Lifelong Learning Plan. For more information, go to Home Buyers' Plan (HBP) or see Guide RC4112, Lifelong Learning Plan (LLP) or You have to contribute to the Canada Pension Plan (CPP). This can apply if, for 2014, the total of your net self-employment income and pensionable employment income is more than $3,500. See line 222. You are paying employment insurance premiums on self-employment and other eligible earnings. See lines 317 and 430. In general, you will want to file a tax return even if none of the above applies. You could, for example, claim a GST/HST credit even with no income. Now, if you receive any income at all, you are going to have to pay taxes, which means you are obligated to file a tax return. If sufficient taxes were deducted from your paycheque, you are still obligated to file a tax return. However, you will not have to pay penalties if you file late, even if you file very late, at least not until the CRA sends you a request to file. But be aware, you won't likely be able to tell if you owe the CRA money until you do your taxes, and if you do end up owing, there are substantial penalties for filing late. In general, I'd strongly advise filing your tax return in almost all circumstances.",
"title": ""
}
] |
fiqa
|
ae38f26377327f984879ab718eea1cee
|
Quantiative Easing fuels stock markets, but why?
|
[
{
"docid": "96a2942dfa624446406a128889324e34",
"text": "There's a premium or discount for various stocks subject to influence by the alternatives available to investors, meaning investments are susceptible to the principle of supply and demand. This is easily seen when industries or business models get hot, and everybody wants a tech company, a social media company, or a solar company in his portfolio. You'll see bubbles like the dotcom bubble, the RE bubble, etc., as people start to think that the industry and not its performance are all that matters. The stock price of a desired industry or company is inflated beyond what might otherwise be expected, to accommodate the premium that the investment can demand. So if bonds become uniformly less attractive in terms of returns, and certain institutional investors are largely obliged to continue purchasing them anyway, then flexible investors will need to look elsewhere. As more people want to buy stocks, the price rises. Supply and demand is sometimes so elementary it feels nearly counter-intuitive, but it applies here as elsewhere.",
"title": ""
}
] |
[
{
"docid": "7acc0cc7b924cbf49ca9a80edd4ec788",
"text": "The satisfaction from gains packs less of an emotional impact than the fear of loss. It's very difficult for many people to overcome this fear, so when prices begin to fall, many investors sell to minimize their potential loss. This causes a further drop, which can lead to more selling as other investors reach their emotional threshold for loss. This emotion-based selling keeps the market inefficient in the short term. If there aren't enough value investors waiting to scoop up the stock at the new discount, it can stay undervalued for a long time.",
"title": ""
},
{
"docid": "faa8b56eb94acc86948a4221b8a79aa5",
"text": "Assuming you were immersed in math with your CS degree, the book **'A Non-Random Walk Down Wall Street' by Andrew Lo** is a very interesting book about the random walk hypothesis and it's application to financial markets and how efficient markets might not necessarily imply complete randomness. Lots of higher level concepts in the book but it's an interesting topic if you are trying to branch out into the quant world. The book isn't very specific towards algorithmic trading but it's good for concept and ideas. Especially for general finance, that will give you a good run down about markets and the way we tackle modern finance. **A Random Walk Down Wall Street** (which the book above is named after) by **Burton Malkiel** is also supposed to be a good read and many have suggested reading it before the one I listed above, but there really isn't a need to do so. For investing specifically, many mention **'The Intelligent Investor' by Benjamin Graham** who is the role model for the infamous Warren Buffet. It's an older book and really dry and I think kind of out dated but mostly still relevant. It's more specifically about individual trading rather than markets as a whole or general markets. It sounds like you want to learn more about markets and finance rather than simply trading or buying stocks. So I'd stick to the Andrew Lo book first. --- Also, since you might not know, it would be a good idea to understand the capital asset pricing model, free cash flow models, and maybe some dividend discount models, the last of which isn't so much relevant but good foundations for your finance knowledge. They are models using various financial concepts (TVM is almost used in every case) and utilizing them in various ways to model certain concepts. You'd most likely be immersed in many of these topics by reading a math-oriented Finance book. Try to stay away from those penny stock trading books, I don't think I need to tell a math major (who is probably much smarter than I am) that you don't need to be engaging in penny stocks, but do your DD and come to a conclusion yourself if you'd like. I'm not sure what career path you're trying to go down (personal trading, quant firm analyst, regular analyst, etc etc) but it sounds like you have the credentials to be doing quant trading. --- Check out www.quantopian.com. It's a website with a python engine that has all the necessary libraries installed into the website which means you don't have to go through the trouble yourself (and yes, it is fucking trouble--you need a very outdated OS to run one of the libraries). It has a lot of resources to get into algorithmic trading and you can begin coding immediately. You'd need to learn a little bit of python to get into this but most of it will be using matplotlib, pandas, or some other library and its own personal syntax. Learning about alpha factors and the Pipeline API is also moderately difficult to get down but entirely possible within a short amount of dedicated time. Also, if you want to get into algorithmic trading, check out Sentdex on youtube. He's a python programmer who does a lot of videos on this very topic and has his own tool on quantopian called 'Sentiment Analyzer' (or something like that) which basically quantifies sentiment around any given security using web scrapers to scrape various news and media outlets. Crazy cool stuff being developed over there and if you're good, you can even be partnered with investors at quantopian and share in profits. You can also deploy your algorithms through the website onto various trading platforms such as Robinhood and another broker and run your algorithms yourself. Lots of cool stuff being developed in the finance sector right now. Modern corporate finance and investment knowledge is built on quite old theorems and insights so expect a lot of things to change in today's world. --- With a math degree, finance should be like algebra I back in the day. You just gotta get familiar with all of the different rules and ideas and concepts. There isn't that much difficult math until you begin getting into higher level finance and theory, which mostly deals with statistics anyways like covariance and regression and other statistic-related concepts. Any other math is simple arithmetic.",
"title": ""
},
{
"docid": "72219980609d159014b02d59a87983e8",
"text": "\"I don't know what angle you're trying to push or why, but are you also saying that Kenichi Ueda of the IMF and Beatrice Weder Di Mauro of the University of Mainz are similarly lacking the understanding of financial concepts when they published a [paper](http://www.imf.org/external/pubs/ft/wp/2012/wp12128.pdf) \"\"Quantifying Structural Subsidy Values for Systemically Important Financial Institutions\"\"? Are you suggesting a similar \"\"entire shaker of salt\"\" when they \"\"estimate[d] the structural subsidy values by exploiting expectations of state support embedded in credit ratings and by using long-run average value of rating bonus\"\"? Should we really be so skeptical when they conclude: >Section III has provided estimates of the value of the subsidy to SIFIs in terms of the overall ratings. Using the range of our estimates, we can summarize that a one-unit increase in government support for banks in advanced economies has an impact equivalent to 0.55 to 0.9 notches on the overall long-term credit rating at the end-2007. And, this effect increased to 0.8 to 1.23 notches by the end-2009 (Summary Table 8). At the end-2009, the effect of the government support is almost identical between the group of advanced countries and developing countries. Before the crisis, governments in advanced economies played a smaller role in boosting banks’ long-term ratings. These results are robust to a number of sample selection tests, such as testing for differential effects across developing and advanced countries, for both listed and non-listed banks, and also correcting for bank parental support and alternative estimations of an individual bank’s strength. I ask because this article is founded on that study - linked to by Bloomberg which is then linked to in OP's Huffpo article. While you can certainly claim that Mark Gongloff \"\"shows a basic lack of understanding\"\" of whatever, why don't you put some skin in the game and demonstrate how he somehow misses the entire point of that study, or better yet really wow us by de-bunking that study.\"",
"title": ""
},
{
"docid": "97aa231a19798daa12a7ee08fa689c13",
"text": "\"Suppose you have $100 today and suppose that hamburgers cost $5. If you are holding $100, you could buy 20 hamburgers at $5 each. Now suppose you take that $100 and stuff it under your mattress for 24 years. When you pull out your money, you still have $100, but it turns out hamburgers now cost $10. The increase from $5 to $10 is inflation. Your savings of $100 was \"\"eroded\"\" by half even though before and after you had $100 and now you can only buy 10 hamburgers instead of 20 hamburgers. Suppose inflation is 3%. That means that if you earn 3% return on your investments, you'll stay even with inflation (If you can buy 20 hamburgers today, then at any point you can still buy 20 hamburgers). If you want your money to grow in a real, tangible way you'll want to seek returns that beat the rate of inflation.\"",
"title": ""
},
{
"docid": "27ae166b2e9e31ff74f2c32d9fa7cb09",
"text": "Various companies have hired quants to write algorithms to buy and sell stocks. Each of these has unique criteria that determine when it should buy/sell. Most have some AI component that allows it to tweak parameters and learn. The point is the more people try this kind of fake news tactic the better the algorithms get at responding or not responding to it. Keep in mind though that 1) the AIs learn at different rates 2) if an AI notices a boost in trading volume due to a story it determines is fake, the correct move is to buy and then sell before other AIs catch on.",
"title": ""
},
{
"docid": "89a27825da28e95937d83b40b8dd83e0",
"text": "\"For some studies on why investors make the decisions they do, check out For a more readable, though less rigorous, look at it, also consider Kahneman's recent book, \"\"Thinking, Fast and Slow\"\", which includes the two companion papers written with Tversky on prospect theory. In certain segments (mostly trading) of the investing industry, it is true that something like 90% of investors lose money. But only in certain narrow segments (and most folks would rightly want traders to be counted as a separate beast than an 'investor'). In most segments, it's not true that most investors lose money, but it still is true that most investors exhibit consistent biases that allow for mispricing. I think that understanding the heuristics and biases approach to economics is critical, both because it helps you understand why there are inefficiencies, and also because it helps you understand that quantitative, principled investing is not voodoo black magic; it's simply applying mathematics for the normative part and experimental observations for the descriptive part to yield a business strategy, much like any other way of making money.\"",
"title": ""
},
{
"docid": "bb4603a9d130e55a92bbe6c6147cc416",
"text": "More shares mean less volatility because it takes a larger number of trades, a larger number of shares per trade, or a combination of both to raise or lower the stock price. Institutional investors (mutual funds, pensions, hedge funds, other investment firms, etc) are the sorts of organizations with the large amounts of money needed to move a stock price one way or the other. But the more floating shares there are in a company, the harder it is for one or two firms to move a stock price. A company with fewer floating shares wouldn't require as many trades (or as many shares per trade) to see wider swings in price. When it comes to stock price, insider trading isn't the same as manipulation. In the (surprisingly few) cases of insider trading that are prosecuted, it tends to be an individual (or small group) with early access to information that the broader market doesn't have being able to buy or sell ahead of the broader market. Their individual sales are seldom if ever enough to noticeably move a stock price. They're locking in profit or limiting a loss. Manipulation might (but doesn't always) precede insider trading, if misinformation (or truth) is released for the purpose of creating a situation that can be profited from via a trade or trades.",
"title": ""
},
{
"docid": "285a03c9ad4b1e6cab12e0675e95ec57",
"text": "If we were to observe some call price (e.g., 15), and then derived implied volatilities from the BS formula depending on different strike prices but fixed maturity (i.e, maturity = 1, and strike goes from 80 to 140??), would we then see a smile? Yes. Market prices for various strikes and a given maturity often have higher implied volatilities from the Black-Scholes model away from at-the-money. It is not accounted for in the Black-Scholes model in the fact that volatility is not a function of strike, so volatility is assumed to be constant across strikes, but the market does not price options that way. I don't know that a quantitative theory has ever been proven; I've always just assumed that people are willing to pay slightly more for options deep in or out of the money based on their strategy, but I have no evidence to base that theory on.",
"title": ""
},
{
"docid": "f60d0a00d26b6902b0811938684a0671",
"text": "\"Quantitative Easing Explained: http://www.npr.org/blogs/money/2010/10/07/130408926/quantitative-easing-explained The short of it is that you're right; the Fed (or another country's Central Bank) is basically creating a large amount of new money, which it then injects into the economy by buying government and institutional debt. This is, in fact, one of the main jobs of the central bank for a currency; to manage the money supply, which in most fiat systems involves slowly increasing the amount of money to keep the economy growing (if there isn't enough money moving around in the economy it's reflected in a slowdown in GDP growth), while controlling inflation (the devaluation of a unit of currency with respect to most or all things that unit will buy including other currencies). Inflation's primary cause is defined quite simply as \"\"too many dollars chasing too few goods\"\". When demand is low for cash (because you have a lot of it) while demand for goods is high, the suppliers of those goods will increase their price for the goods (because people are willing to pay that higher price) and will also produce more. With quantitative easing, the central bank is increasing the money supply by several percentage points of GDP, much higher than is normally needed. This normally would cause the two things you mentioned: Inflation - inflation's primary cause is \"\"too many dollars chasing too few goods\"\"; when money is easy to get and various types of goods and services are not, people \"\"bid up\"\" the price on these things to get them (this usually happens when sellers see high demand for a product and increase the price to take advantage and to prevent a shortage). This often happens across the board in a situation like this, but there are certain key drivers that can cause other prices to increase (things like the price of oil, which affects transportation costs and thus the price to have anything shipped anywhere, whether it be the raw materials you need or the finished product you're selling). With the injection of so much money into the economy, rampant inflation would normally be the result. However, there are other variables at play in this particular situation. Chief among them is that no matter how much cash is in the economy, most of it is being sat on, in the form of cash or other \"\"safe havens\"\" like durable commodities (gold) and T-debt. So, most of the money the Fed is injecting into the economy is not chasing goods; it's repaying debt, replenishing savings and generally being hoarded by consumers and institutions as a hedge against the poor economy. In addition, despite how many dollars are in the economy right now, those dollars are in high demand all around the world to buy Treasury debt (one of the biggest safe havens in the global market right now, so much so that buying T-debt is considered \"\"saving\"\"). This is why the yields on Treasury bonds and notes are at historic lows; it's bad everywhere, and U.S. Government debt is one of the surest things in the world market, especially now that Euro-bonds have become suspect. Currency Devaluation - This is basically specialized inflation; when there are more dollars in the market than people want to have in order to use to buy our goods and services, demand for our currency (the medium of trade for our goods and services) drops, and it takes fewer Euros, Yen or Yuan to buy a dollar. This can happen even if demand for our dollars inside our own borders is high, and is generally a function of our trade situation; if we're buying more from other countries than they are from us, then our dollars are flooding the currency exchange markets and thus become cheaper because they're easy to get. Again, there are other variables at play here that keep our currency strong. First off, again, it's bad everywhere; nobody's buying anything from anyone (relatively speaking) and so the relative trade deficits aren't moving much. In addition, devaluation without inflation is self-stablizing; if currency devalues but inflation is low, the cheaper currency makes the things that currency can buy cheaper, which encourages people to buy them. At the same time, the more expensive foreign currency increases the cost in dollars of foreign-made goods. All of this can be beneficial from a money policy standpoint; devaluation makes American goods cheaper to Americans and to foreign consumers alike than foreign goods, and so a policy that puts downward pressure on the dollar but doesn't make inflation a risk can help American manufacturing and other producer businesses. China knows this just as well as we do, and for decades has been artificially fixing the exchange rate of the Renmin B (Yuan) lower than its true value against the dollar, meaning that no matter how cheap American goods get on the world market, Chinese goods are still cheaper, because by definition the Yuan has greater purchasing power for the same cost in dollars. In addition, dollars aren't only used to buy American-made goods and services. The U.S. has positioned its currency over the years to be an international medium of trade for several key commodities (like oil), and the primary currency for global lenders like the IMF and the World Bank. That means that dollars become necessary to buy these things, and are received from and must be repaid to these institutions, and thus the dollar has a built-in demand pretty much regardless of our trade deficits. On top of all that, a lot of countries base their own currencies on our dollar, by basically buying dollars (using other valuable media like gold or oil) and then holding that cash in their own central banks as the store of value backing their own paper money. This is called a \"\"dollar board\"\". Their money becomes worth a particular fraction of a dollar by definition, and that relationship is very precisely controllable; with 10 billion dollars in the vault, and 20 billion Kabukis issued from Kabukistan's central bank, a Kabuki is worth $.50. Print an additional 20 billion Kabuki and the value of one Kabuki decreases to $.25; buy an additional 10 billion dollars and the Kabuki's value increases again to $.50. Quite a few countries do this, mostly in South America, again creating a built-in demand for U.S. dollars and also tying the U.S. dollar to the value of the exports of that country. If Kabukistan's goods become highly demanded by Europe, and its currency increases relative to the dollar, then the U.S. dollar gets a boost because by definition it is worth an exact, fixed number of Kabukis (and also because a country with a dollar board typically has no problem accepting dollars as payment and then printing Kabukis to maintain the exchange rate)\"",
"title": ""
},
{
"docid": "a363dc606b8f75dc5fba7f9e4c16aa95",
"text": "\"Leverage here is referring to \"\"financial leverage\"\". This is the practice of \"\"levering\"\" [ie increasing, like the use of a lever to increase the amount of weight you can lift] the value of your investment by taking on debt. For example: if you have 100k in cash, you can buy a 100k rental property. Assume the property makes 10k a year, net of expenses [10%]. Now assume the bank will also give you a 100k mortgage, at 3%. You could take the mortgage, plus your cash, and buy a 200k rental property. This would earn you 20k from the rental property, less 3k a year in interest costs [the 3%]. Your total income would be 17k, and since you only used 100k of your own money, your rate of return would now be 17% instead of 10%. This is financial leveraging. Note that this increases your risk, because if your investment fails not only have you lost your own money, you now need to pay back the bank. \"\"Beta riders\"\" appears to be negative commentary on investors who use Beta to calculate the value of a particular stock, without regard to other quantitative factors. Therefore \"\"leveraged beta riders\"\" are those who take on additional risk [by taking on debt to invest], and invest in a manner that the author would perhaps considered \"\"blindly\"\" following Beta. However, I have never seen this term before, and it appears tainted by the author's views on Quants. A \"\"quant process driven discipline\"\" appears to be positive commentary on investors who use detailed quantitative analysis to develop rules which they rigorously follow to invest. I have never seen this exact phrasing before, and like the above, it appears tainted by the author's views on Quants. I am not providing any opinion on whether \"\"beta riding\"\" or \"\"quant processes\"\" are good or bad things; this is just my attempt to interpret the quote as you presented it. Note that I did not go to the article to get context, so perhaps something else in the article could skew the language to mean something other than what I have presented.\"",
"title": ""
},
{
"docid": "05d8925e7ecfbbba1af17eab9631f537",
"text": "Impossible to unwind. Its a monetary roach motel. They will try to raise rates and unwind their balance sheet until there is another financial crisis, to which there will be another round of QE that dwarfs the previous rounds. Unwinding has the real possibility of triggering another financial crisis. If the bond market turns bearish after a 30 year bull market I wouldnt want to be holding dollars.",
"title": ""
},
{
"docid": "b69d285da0ed0700b3cf059001f2f7e5",
"text": "\"There tends to be high volume around big changes in stock price. The volume of a stock does not remain constant and the term \"\"fat fingers\"\" can influence price.--> http://www.bloomberg.com/news/2014-10-01/that-japanese-fat-finger-can-absolutely-happen-in-u-s-.html That being said keshlam is 99% right when it comes to a stock moving when their is no news or earnings announcements. Check out these papers. http://onlinelibrary.wiley.com/doi/10.1111/j.1475-6803.2010.01285.x/full They do a time series analysis to try and predict future prices off of past demand during news events. They forecast using auto-regressive models. google \"\"forecasting autoregressive model\"\" and the upenn lecture will be helpful. I would post another link but I cannot because I do not have enough rep/ This is more of a quant question. Hope this helps. JL\"",
"title": ""
},
{
"docid": "e3784f5c101ab60491958a8110e884a0",
"text": "The CCAPM attempts to link asset prices/equity risk premiums to the 'intertemporal substitution of consumption' instead of the normal beta. So essentially what it's trying to say is you prefer to smooth consumption, you hate volatile consumption patterns, therefore you demand higher returns in booms and will settle for lower returns in downturns. (It may sound counter-intuitive at first, but think in terms of marginal utilities, in booms your marginal utility is lower as you're already well off, therefore you demand more of an asset). The CCAPM tries to link asset prices to real economic theory (consumption) whereas CAPM is derived from the assumption that investors only care about mean and variance of returns (no real link to the real side of the economy). There are almost no real world applications for the CCAPM. Empirically it is almost a complete failure, complex extensions have only gotten it so far, see the 'equity premium puzzle' by Mehra and Prescott (1985).",
"title": ""
},
{
"docid": "2d4e37567e6c43bb6e80006ce502ad72",
"text": "\"https://en.wikipedia.org/wiki/Irrational_exuberance > Clearly, sustained low inflation implies less uncertainty about the future, and lower risk premiums imply higher prices of stocks and other earning assets. We can see that in the inverse relationship exhibited by price/earnings ratios and the rate of inflation in the past. But how do we know when irrational exuberance has unduly escalated asset values, which then become subject to unexpected and prolonged contractions as they have in Japan over the past decade? > — \"\"The Challenge of Central Banking in a Democratic Society\"\", 1996-12-05\"",
"title": ""
},
{
"docid": "7e16bf72b7e84e7aac3a2eb57a804450",
"text": "\"This falls under value investing, and value investing has only recently picked up study by academia, say, at the turn of the millennium; therefore, there isn't much rigorous on value investing in academia, but it has started. However, we can describe valuations: In short, valuations are randomly distributed in a log-Variance Gamma fashion with some reason & nonsense mixed in. You can check for yourself on finviz. You can basically download the entire US market and then some, with many financial and technical characteristics all in one spreadsheet. Re Fisher: He was tied for the best monetary economist of the 20th century and created the best price index, but as for stocks, he said this famous quote 12 days before the 1929 crash: \"\"Stock prices have reached what looks like a permanently high plateau. I do not feel there will be soon if ever a 50 or 60 point break from present levels, such as (bears) have predicted. I expect to see the stock market a good deal higher within a few months.\"\" - Irving Fisher, Ph.D. in economics, Oct. 17, 1929 EDIT Value investing has almost always been ignored by academia. Irving Fisher and other proponents of it before it was codified by Graham in the mid 20th century certainly didn't help with comments like the above. It was almost always believed that it was a sucker's game, \"\"the bigger sucker\"\" game to be more precise because value investors get destroyed during recession/collapses. So even though a recessionless economy would allow value investors and everyone never to suffer spontaneous collapses, value investors are looked down upon by academia because of the inevitable yet nearly always transitory collapse. This expresses that sentiment perfectly. It didn't help that Benjamin Graham didn't care about money so never reached the heights of Buffett who frequently alternates with Bill Gates as the richest person on the planet. Buffett has given much credibility, and academia finally caught on around in 2000 or so after he was proven right about a pending tech collapse that nearly no one believed would happen; at least, that's where I begin seeing papers being published delving into value concepts. If one looks harder, academia's even taken the torch and discovered some very useful tools. Yes, investment firms and fellow value investors kept up the information publishing, but they are not academics. The days of professors throwing darts at the stock listings and beating active managers despite most active managers losing to the market anyways really held back this side of academia until Buffett entered the fray and embarrassed them all with his club's performance, culminating in the Superinvestors article which is still relatively ignored. Before that, it was the obsession with beta, the ratio of a security's variance to its covariance to the market, a now abandoned theory because it has been utterly discredited; the popularizers of beta have humorously embraced the P/B, not giving the satisfaction to Buffet by spurning the P/E. Tiny technology firms receive ridiculous valuations because a long-surviving tiny tech firm usually doesn't stay small for long thus will grow at huge rates. This is why any solvent and many insolvent tech firms receive large valuations: risk-adjusted, they should pay out huge on average. Still, most fall by the wayside dead, and those 100 P/S valuations quickly crumble. Valuations are influenced by growth. One can see this expressed more easily with a growing perpetuity: Where P is price, i is income, r is the rate of return, and g is the growth rate of i. Rearranging, r looks like: Here, one can see that a higher P relative to i will dull the expected rate of return while a higher g will boost it. It's fun for us value investor/traders to say that the market is totally inefficient. That's a stretch. It's not perfectly inefficient, but it's efficient. Valuations are clustered very tightly around the median, but there are mistakes that even us little guys can exploit and teach the smart money a lesson or two. If one were to look at a distribution of rs, one'd see that they're even more tightly packed. So while it looks like P/Es are all over the place industry to industry, rs are much more well clustered. Tech, finance, and discretionaries frequently have higher growth rates so higher P/Es yet average rs. Utilities and non-discretionaries have lower growth rates so lower P/Es yet average rs.\"",
"title": ""
}
] |
fiqa
|
5449c5d23f920ea1c310a11ca676735e
|
Why is Dell currently trading above the buyout price?
|
[
{
"docid": "7fb7c13002e733a544e44b933d8248ef",
"text": "Dividends would be a possible factor you are ignoring. If Dell has another quarter or two to pay out dividends that could account for some of the difference there. I don't think there is a confirmed date of when the deal is done yet other than around the end of Dell's second quarter which was in the LA Times link you cited. There is also the potential for the terms of the deal to be revised that is another possibility here. Have you examined other deals where a public company went private to see how the stock performed in the last few months before the deal closed?",
"title": ""
}
] |
[
{
"docid": "0e8d94c657d16106d3755564d7398b58",
"text": "\"As others have pointed out, there are often many factors that are contributing to a stock's movement other than the latest news. In particular, the overall market sentiment and price movement very often is the primary driver in any stock's change on a given day. But in this case, I'd say your anecdotal observation is correct: All else equal, announcements of layoffs tend to drive stock prices upwards. Here's why: To the public, layoffs are almost always a sign that a company is willing to do whatever is needed to fix an already known and serious problem. Mass layoffs are brutally hard decisions. Even at companies that go through cycles of them pretty regularly, they're still painful every time. There's a strong personal drain on the chain of executives that has to decide who loses their livelihood. And even if you think most execs don't care (and I think you'd be wrong) it's still incredibly distracting. The process takes many weeks, during which productivity plummets. And it's demoralizing to everyone when it happens. So companies very rarely do it until they think they have to. By that point, they are likely struggling with some very publicly known problems - usually contracting (or negative) margins. So, the market's view of the company at the time just before layoffs occur is almost always, \"\"this company has problems, but is unable or unwilling to solve them.\"\". Layoffs signal that both of those possibilities are incorrect. They suggest that the company believes that layoffs will fix the problem, and that they're willing to make hard calls to do so. And that's why they usually drive prices up.\"",
"title": ""
},
{
"docid": "f4f42a26d035479427867cc4eb653fc4",
"text": "Two reasons why I think that's irrelevant: First, if it was on 3/31/2012 (two other sources say it was actually 4/3/2012), why the big jump two trading days later? Second, the stock popped up from $3.10 to $4.11, then over the next several trading days fell right back to $3.12. If this were about the intrinsic value of the company, I'd expect the stock to retain some value.",
"title": ""
},
{
"docid": "3b64c6af2f5cde4e5b51b5d226cb524b",
"text": "A few reasons. First, it's hard to buy a stock that has never gone up, and isn't necessarily wise to do so. Even if you just wait for a stock go down, what if you wait and it goes up two dollars, then drops 10 cents? Has it gone up or down? When should you buy it? In general, your idea is correct, the higher the price the less you should want the stock. But in some sense, the past price is irrelevant, you can't buy it at the past price. You should buy it now if it's the best option now. And that is based on your assessment of whether it's future prospects are worth the current price (and in fact enough worth enough to make buying the stock the best economic decision you can currently make). Finally, the price may have gone up for a reason. The company may have done something, or some information about the company may have become known, that affects it's future prospects. That might make it a better deal, perhaps even better than it was before the price increase.",
"title": ""
},
{
"docid": "f531cb1fedb1aedb3083c67fa8c7fb9a",
"text": "This seemed very unrealistic, I mean who would do that? But to my immense surprise the market price increased to 5.50$ in the following week! Why is that? This is strange. It seems that people mistakenly [?] believe that the company should be at 5.5 and currently available cheap. This looks like irrational behaviour. Most of the past 6 months the said stock in range bound to 4.5 to 5. The last time it hit around 5.5 was Feb. So this is definitely strange. If the company had set a price of 6.00$ in the rights offering, would the price have increased to 6$? Obviously the company thinks that their shares are worth that much but why did the market suddenly agree? Possibly yes, possible no. It can be answered. More often the rights issue are priced at slight discount to market price. Why did this happen? Obviously management thinks that the company is worth that much, but why did the market simply believe this statement without any additional information? I don't see any other information; if the new shares had some special privileges [in terms of voting rights, dividends, etc] then yes. However the announcements says the rights issues is for common shares.",
"title": ""
},
{
"docid": "580a0b1e7b894ec2d0edfe06246d8a7f",
"text": "It's based on potential. Things like market share, market size, competitive analysis and growth opportunity. Ex: being as big as reddit is + the fact they are a large player = how they could leverage this to drive even more value than they currently have in the future Also everything is inflated right now and the value factors in how much someone might (over) pay to acquire them.",
"title": ""
},
{
"docid": "86f7fb8aee91031e8893956bc83201aa",
"text": "Are you implying that Amazon is a better investment than GE because Amazon's P/E is 175 while GE's is only 27? Or that GE is a better investment than Apple because Apple's P/E is just 13. There are a lot of other ratios to consider than P/E. I personally view high P/E numbers as a red flag. One way to think of a P/E ratio is the number of years it's expected for the company to earn its market cap. (Share price divided by annual earnings per share) It will take Amazon 175 years to earn $353 billion. If I was going to buy a dry cleaners, I would not pay the owner 175 years of earnings to take control of it, I'd never see my investment back. To your point. There is so much future growth seemingly built in to today's stock market that even when a company posts higher than expected earnings, the company's stock may take a hit because maybe future prospects are a little less bright than everyone thought yesterday. The point of fundamental analysis is that you want to look at a company's management style and financial strategies. How is it paying its debt? How is it accumulating the debt? How is it's return on assets? How is the return on assets trending? This way when you look at a few companies in the same market segment you may have a better shot at picking the winner over time. The company that piles on new debt for every new project is likely to continue that path in to oblivion, regardless of the P/E ratio. (or some other equally less forward thinking management practice that you uncover in your fundamental analysis efforts). And I'll add... No amount of historical good decision making from a company's management can prepare for a total market downturn, or lack of investor confidence in general. The market is the market; sometimes it's up irrationally, sometimes it's down irrationally.",
"title": ""
},
{
"docid": "85a1dc1faedb99d0afe67c678d523509",
"text": "Would make sense that the higher liquidation cost and Transaction costs are driving the share price down. Higher liq and transaction means higher investors would require higher return, driving down the share price. The other possibilities I can think of off the top of my head, based on looking at the firm for five minutes 1) In transaction costs, did you include tax? Disclaimer: math below done on the back of the envelope in between meetings; So, NAV says they are at ~$75M. Liquidating that entire portfolio means about 22% capital gains tax rate. Which means after tax value is about $60M. Add in any fees you'd incur from trying to sell this stuff, and it's not unreasonable to assume you'll only get about $55M once all is said and done, which is pretty close to the actual market cap. If you have accounted for the above, consider ; 2) Bulk of their investments seem to be in private assets. Which implies that they have some discretion in how they mark the value of those investments. And, there is the chance that the market doesn't have confidence in these guys. What's their performance been like in recent years? Especially with a private asset portfolio, I'd be weary. If I was to invest in them, I'd want a higher return for the opaque portfolio.",
"title": ""
},
{
"docid": "2fc9406ef5423df30fef658c53989eae",
"text": "Low interest rates and tax breaks caused large co and PE firms to leverage buyout other firms, didnt stop people from issuing equity. For example, if you follow semiconductors, a lot of M&A has happened over past 4 years and some analysts coverage list went from high teens to a dozen. Also, it exacerbate debt levered co going bankrupt, e.g., solar and wind co.",
"title": ""
},
{
"docid": "2f9c383ddc0240549e56b8035e2188fb",
"text": "Can a company not bargain with a dying company for example and buy a falling stock at lower than market value? Of course. If the shareholders agree to it. But why would they, if the market value is higher, agree to sell to someone who offers less? If there's a compelling reason - it can happen. It might happen during a hostile takeover, for example. In the case of buying the company for more than market value, are the stocks bought for significantly more, or slightly more than the current market value? Again, depends on how valuable the shareholders think the company is. If the shareholders think that the company has a potential which has not yet affected the stock price, they'll want a higher premium (and they'd think that, otherwise why would they hold the stock?). How much higher? Depends on the bargaining abilities of the sides.",
"title": ""
},
{
"docid": "be34b632b21a464f625e2f315d38beba",
"text": "The price gaps up because the offer is for a price above the current price. Therefore people want to buy now before the price jumps to the offer level. Of course it does depend on the tone of the announcement, which party is making the announcement, and are they announcing an offer or a deal. If the price is $10, and the offer is for $12; then the price may quickly jump. The early buyers will make the most quick money. They hope that the deal is done quickly, or if not the final price ends up higher. There are risks. The company could reject the offer. The due diligence could expose a problem. The regulators could reject the deal based on anti-trust issues. The deal could take many months to complete. Or the final deal could be for shares in the new company. The risks are one reason people sell after the deal/offer is announced. In other cases the seller finally is seeing a profit, or a smaller loss and wants out while they can.",
"title": ""
},
{
"docid": "1191b085a69103a24611cadecff7bd21",
"text": "\"I did a quick search, they have a $2B/5yr deal with google cloud. Downside is Google is a competitor potentially, especially in the ad market. Upside is SNAP revenue increased from $58M in 2015 to just over $404M in 2016. I think in today's market, everyone wants to hold the next \"\"Amazon\"\" or \"\"Google\"\" stocks at their conception. Sure would be nice if you had a few thousand in Amazon at their IPO. So I think pure speculation is why they were trading above IPO price for so long. It could be the next biggest thing, or it could fail in 5 years we never know these things lol\"",
"title": ""
},
{
"docid": "5e505a1c644891079b66420e56e17256",
"text": "History... No company has maintained such a high market cap over an extended amount of time. Not only that, but is Apple worth a trillion dollars? In a generation will their products be as popular? They're worth significantly more than Exxon Mobil at this point... If Apple's market cap does go to a trillion dollars its an upside of 60 percent or so. Or I can invest in a company like Lenovo whose market cap is 11 billion and is expanding like crazy. If their valuation goes up even to the 50 billion mark, that's an upside of nearly 400 percent. Plus there's the whole supply/demand dynamic for a stock that is already widely owned, how much more money can new investors put into it? When will all the funds who hold massive quantities sell? Etc... There are many reasons why no company has maintained a trillion dollar valuation.... Honestly it shocks me that people who frequent a finance message board don't understand these things.",
"title": ""
},
{
"docid": "059852dbffd3476675acc40c0dfb6773",
"text": "1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts have to be higher.",
"title": ""
},
{
"docid": "a031a40d76d52dc0f058342027846fa7",
"text": "That is mostly true, in most situations when there are more buy orders than sell orders (higher buy volume orders than sell volume orders), the price will generally move upwards and vice versa, when there are more sell orders than buy orders (higher sell volume orders than buy volume orders), the price will generally move downwards. Note that this does not always happen, but usually it does. You are also correct that for a trade to take place a buyer has to be matched with a seller (or the buy volume matched with the sell volume). But not all orders get executed as trades. Say there are 50 buy orders in the order book with a total volume of 100,000 shares and the highest buy order is currently at $10.00. On the other side there are only 10 sell orders in the order book with total volume of 10,000 shares and the lowest sell order is currently $10.05. At the moment there won't be a trade unless a new buyer or seller enters the market to match the opposing side, or an existing order gets amended upper or lower to match the opposing side. With more demand than supply in the order books what will be the most likely direction that this stock moves in? Most likely the price will move upwards. If a new buyer sees the price moving higher and then looks at the market depth, they would most likely place an order closer to the lowest sell order than the current highest buy order, say $10.01, to be first in line in case a market sell order is placed on the market. As new buy orders enter the market it drives the price higher and higher until the buy orders dry up.",
"title": ""
},
{
"docid": "2c2ba8dba2f6f2b1e937ccfc001c4238",
"text": "\"In some cases, when a company purchases a minor stake, they often intend to increase the size of the stake over time. As a reference, note that Coca Cola has increased their stake in Green Mountain Coffee Roasters (GMCR) over time. It also adds some \"\"support\"\" to the price because these investors may be willing to step in and purchase the stock if there is any distress or poor performance. Finally, its generally a good \"\"tell\"\" that the stock has good things going for it and may be subject to additional interest from large investors.\"",
"title": ""
}
] |
fiqa
|
0b19748885e134b21ab1b8d6ff510102
|
What are the best software tools for personal finance?
|
[
{
"docid": "dde75a1e21f7b47ec49b3adab2452970",
"text": "Mint.com—Easy solution to provide insight into finances. Pros: Cons:",
"title": ""
},
{
"docid": "e5757b6e4e418452ae0693563db8b0ec",
"text": "GnuCash—Great for the meticulous who want to know every detail of their finances. Pros: Cons:",
"title": ""
},
{
"docid": "a3af0ee6932e3f2b938450a96bbcf10e",
"text": "I like You Need A Budget (YNAB) Pros: Cons:",
"title": ""
},
{
"docid": "0d108e28da3faeb8cdeb696841eb11be",
"text": "Excel Pros: Cons:",
"title": ""
},
{
"docid": "f124aa4001a9d7b601f65bc11e8e9b50",
"text": "Intuit Quicken. Pros: Cons:",
"title": ""
},
{
"docid": "0943a082c5bd10707421468ccb4a3c56",
"text": "I'm a big fan of buxfer.com",
"title": ""
},
{
"docid": "19b43d6dbb8d9a0251a001eba1504725",
"text": "I just switched (from the abandoned, but good MS Money) to Moneydance 2010",
"title": ""
},
{
"docid": "deff6a9937e2a877ed36023bb1a286d1",
"text": "http://www.Mvelopes.com Mvelopes is envelope-style budgeting in an online application. I've tried all of the other applications and I choose to pay for this one for the following reasons:",
"title": ""
},
{
"docid": "baab575450a4d7464f33b0d04dd73f0c",
"text": "For Mac it's definitely iFinance.",
"title": ""
},
{
"docid": "6ab84a4012b949349f3fa5c4f201402e",
"text": "I use iBank for Mac to keep track of my expenses. I also use the iPhone version since they can sync over Wi-Fi and I can capture expenses right on the spot instead of trying to remember what I spent on when I turn on my laptop.",
"title": ""
},
{
"docid": "1724fde15d70a99493b9a8accf23f30b",
"text": "KMyMoney Pros: Cons:",
"title": ""
},
{
"docid": "2d2ce9825af8a8cde4a7bcb4467d89bc",
"text": "For iPhone: iExpenseIt",
"title": ""
},
{
"docid": "43971a28889cd01e188d721a276ae8a9",
"text": "Money Manager Ex PROS: CONS",
"title": ""
},
{
"docid": "e4efeb188c0d8b2f8af4548ef322ba59",
"text": "Emergency Account Vault (Windows) I use it to store info about all of my accounts/assets in an encrypted document. It's more for keeping track of everything that is in your name than managing money. Good for situations when you need to quickly look up info about a specific account you own.",
"title": ""
},
{
"docid": "fad2f2893d5c2be6029ac8d3af9dc96a",
"text": "For any android device you can try: Daily Expense Manager - to track your expenses and a host of other apps to suit your specific needs.",
"title": ""
}
] |
[
{
"docid": "46bc1213fb52a6c9ecdc1047f6d59daa",
"text": "For double entry bookkeeping, personal or small business, GnuCash is very good. Exists for Mac Os.",
"title": ""
},
{
"docid": "bb7297662734c48964eb593b905aee35",
"text": "Another one I have seen mentioned used is Equity Feed. It had varies levels of the software depending on the markets you want and can provide level 2 quotes if select that option. http://stockcharts.com/ is also a great tool I see mentioned with lots of free stuff.",
"title": ""
},
{
"docid": "268cd755684c231e913f38fbc07eafd4",
"text": "Long time Quicken user, but I have Bootcamp on my Mac, and one reason is so I can run Quicken Windows. That's one solution. You didn't mention what version of the Mac OS you're running, but Bootcamp is one alternative if you have (or can purchase) a Windows license. Be advised, Bootcamp 4, which is available with OS 10.7 (Lion) and OS 10.8 (Mountain Lion), officially supports Windows 7 only. Quicken running under Bootcamp isn't perfect, but it's better than any Mac version, and Quicken 2013 has a mobile app that allows you to view your data & enter transactions via your mobile. The Mac Version of Quicken has been panned by users. I do use Windows for work-related stuff, so I have a reason for running Windows besides using Quicken. I've read that Intuit has a market share of more than 70% in the personal finance software sector, and at this point it seems pretty clear that they are not interested in pursuing a larger share via Mac users. So if we ever see a highly functional version of Quicken for the Mac OS, it won't be any time soon. I've not used other products, but there are many reviews out there which rank them, and some consistently come to the front. Top 10 Reviews Mac Personal Finance Software 2013; WeRockYourWeb Personal Finance Software Rankings includes many Web-based alternatives; Personally, I'm not real enthusiastic about posting my personal financial data on someone's Web site. I have nothing to hide, but I just can't get comfortable with cloud-based personal finance software providers that are combing through my data, Google-like, to generate revenue. Too, it seems an unnecessary risk giving a third party a list of all my account numbers, user names, and passwords. I know that information is out there, if one has the right sort of access, but to my way of thinking, using a cloud-based personal finance software application makes it more out there.",
"title": ""
},
{
"docid": "e398e303fb3180307362ca764a3a80b9",
"text": "\"As your financial situation becomes more complex, it becomes increasingly more difficult to keep track of everything with a simple spreadsheet. It is much easier to work with software that is specifically designed for personal finances. A good program will allow you to keep track of as many accounts as you want. A great program will completely separate the different account balances (location of the money) from the budget category balances (purpose of the money). Let me explain: When you set up the software, you will enter in all of your different bank accounts with their balances. Perhaps you have three savings accounts and two checking accounts. It doesn't matter. When you are done entering those, the software will total them up, and the next job you have is assigning this money into different budget categories: your spending plan. For example, you might put some of it into a grocery category, some into an entertainment category, some will be assigned to pay your next car insurance bill, and some will be an emergency fund. (These categories are completely customizable, and your budget can be as broad or as detailed as you wish.) When you deposit your paycheck, you assign that new income into budget categories as well. It doesn't matter at this point which accounts your money are located in; the only thing that matters is that you own this money and you have access to it. Now, you might want to use a certain account for a certain budget category, but you are not required to do so. (For example, your grocery category money will probably be in your checking account, since you will be spending from it regularly. Your emergency fund will hopefully be in an account that earns a little higher interest.) Once you take this approach, you might find you don't need as many bank accounts as you thought you did, because the software does the job of separating your money into different \"\"accounts\"\" for different purposes. I've written before about the different categories of personal finance software. YNAB, Mvelopes, and EveryDollar are three examples of software that will take this approach of separating the concepts of the bank account and the budget category.\"",
"title": ""
},
{
"docid": "5685b1ded2c93079cd5e6b11fdc85535",
"text": "I found that an application already exists which does virtually everything I want to do with a reasonable interface. Its called My Personal Index. It has allowed me to look at my asset allocation all in one place. I'll have to enter: The features which solve my problems above include: Note - This is related to an earlier post I made regarding dollar cost averaging and determining rate of returns. (I finally got off my duff and did something about it)",
"title": ""
},
{
"docid": "b32304b701b8d58dafd682346da54418",
"text": "The short answer is that there are no great personal finance programs out there any more. In the past, I found Microsoft Money to be slick and feature rich but unfortunately it has been discontinued a few years ago. Your choices now are Quicken and Mint along with the several open-source programs that have been listed by others. In the past, I found the open source programs to be both clunky and not feature-complete for my every day use. It's possible they have improved significantly since I had last looked at them. The biggest limitation I saw with them is weakness of integration with financial service providers (banks, credit card companies, brokerage accounts, etc.) Let's start with Mint. Mint is a web-based tool (owned by the same company as Quicken) whose main feature is its ability to connect to nearly every financial institution you're likely to use. Mint aggregates that data for you and presents it on the homepage. This makes it very easy to see your net worth and changes to it over time, spending trends, track your progress on budgets and long-term goals, etc. Mint allows you to do all of this with little or no data entry. It has support for your investments but does not allow for deep analysis of them. Quicken is a desktop program. It is extremely feature rich in terms of supporting different types of accounts, transactions, reports, reconciliation, etc. One could use Quicken to do everything that I just described about Mint, but the power of Quicken is in its more manual features. For example, while Mint is centred on showing you your status, Quicken allows you to enter transactions in real-time (as you're writing a check, initiating a transfer, etc) and later reconciles them with data from your financial institutions. Link Mint, Quicken has good integration with financial companies so you can generally get away with as little or as much data entry as you want. For example, you can manually enter large checks and transfers (and later match to automatically-downloaded data) but allow small entries like credit card purchases to download automatically. Bottom line, if you're just looking to keep track of where you are at, try Mint. It's very simple and free. If you need more power and want to manage your finances on a more transactional level, try Quicken (though I believe they do not have a trial version, I don't understand why). The learning curve is steep although probably gentler than that of GnuCash. Last note on why Mint.com is free: it's the usual ad-supported model, plus Mint sells aggregated consumer behaviour reports to other institutions (since Mint has everyone's transactions, it can identify consumer trends). If you're not comfortable with that, or with the idea of giving a website passwords to all your financial accounts, you will find Quicken easier to accept. Hope this helps.",
"title": ""
},
{
"docid": "830ab9fb4caf0738837905aa1d8a5b57",
"text": "I generally concur with your sentiments. mint.com has 'hack me' written all over it. I know of two major open source tools for accounting: GNUCash and LedgerSMB. I use GNUCash, which comes close to meeting your needs: The 2.4 series introduced SQL DB support; mysql, postgres and sqlite are all supported. I migrated to sqlite to see how the schema looked and ran, the conclusion was that it runs fine but writing direct sql queries is probably beyond me. I may move it to postgres in the future, just so I can write some decent reports. Note that while it uses HTML for reporting, there is no no web frontend. It still requires a client, and is not multi-user safe. But it's probably about the closest to what you what that still falls under the heading of 'personal finance'. A fork of SQL Ledger, this is postgreSQL only but does have a web frontend. All the open source finance webapps I've found are designed for small to medium busineses. I believe it should meet your needs, though I've never used it. It might be overkill and difficult to use for your limited purposes though. I know one or two people in the regional LUG use LedgerSMB, but I really don't need invoicing and paystubs.",
"title": ""
},
{
"docid": "80cd38443246f7d211761deb6020b2fc",
"text": "\"I've just recently launched an open source wealth management platform - wealthbot.io ... \"\"Webo\"\" is mostly targeted at RIA's to help the manage multiple portfolios, etc. Take a look at the demo at demo.wealthbot.io, you'll also find links to github, etc. there. It's a rather involved project, but if you are looking for use cases of rebalancing, portfolio accounting, custodian integration, tax loss harvesting, and many other features available at some of the popular robo-advisors, you might find it interesting.\"",
"title": ""
},
{
"docid": "b571809824f8d4516f9f62c50bb3d418",
"text": "\"I use the (gratis, libre) command-line program ledger for my personal accounts. It handles funds across accounts gracefully, through a feature called \"\"Virtual Accounts\"\". A transaction can add or subtract money from a virtual account, which need not balance with all the other entries in the transaction. Then it's just a matter of setting up reports to include or exclude these accounts.\"",
"title": ""
},
{
"docid": "d225d2331f7d129a90f1c758f2b0190d",
"text": "\"Quicken. I am in the same situation. I've tried mint.com and switched back to Quicken because i want to know how much money i'll have in my accounts in 2 weeks, 4 weeks, etc. I have to admit though, quicken is getting worse and worse every year. Can't really say i \"\"recommend\"\" it.\"",
"title": ""
},
{
"docid": "d1aaff128047147c4294b6d670100fa8",
"text": "Look up You Need A Budget...the methodology is really the key and the software is elegant and practical. It's not about tracking spending, it's about planning what your dollars are going to do. The application automates much of the budget planning and data entry as it remembers your input (and is totally customizable). If you follow their basic blueprint, you can spend just minutes a week. They offer free online classes too (love this). I do not have skin in their game but have been a fan since it was just a spreadsheet. And yes, they have a mobile app, which means you can enter transactions on the go with just a few taps and then have your data synced across the cloud or just across your network.",
"title": ""
},
{
"docid": "763b586d811fa6556c94d509dafdbe69",
"text": "\"Yodlee and Mint are good solutions if you don't mind your personal financial information being stored \"\"in the cloud\"\". I do, so I use Quicken. Quicken stores whatever you give to it for as long as you want: so the only question is how to get the credit card transactions you want into it? All my financial institutions allow me to view my credit card statements for a year back, and download them in a form Quicken can read. So you can have a record of your transactions from a year ago right now, and in a year you will have two year's worth.\"",
"title": ""
},
{
"docid": "8e54f391924671d1e00e469749b7206a",
"text": "Most businesses have some sort of software to manage their client data. Most of these various software and/or services are industry specific. Black Diamond seems to be a client management tool targeting investment advisers. From the black diamond site Reach an unparalleled level of productivity and transform your client conversations. You don't need one of these unless you're a professional investment adviser with so many clients you can't track them yourself or need more robust reporting or statement generation tools. For your purposes most regular brokers, Fidelity, Schwab, Vanguard, TD, etc, have more than enough tools for the retail level investor. They have news feeds, security analysis papers, historical data, stock screeners, etc. You, a regular retail investor doesn't need to buy special software, your broker will generally provide these things as part of the service.",
"title": ""
},
{
"docid": "c54d44fcdbe6423086dfee7e9d614c5f",
"text": "\"Note that mutual funds' quarterly/annual reports usually have this number. I generally just let my home-accounting software project my future net worth; its numbers agree well enough with those I've gotten from more \"\"professional\"\" sources such as monte-carlo modelling. (They'd agree better if I fed in all the details of my paycheck, but I don't feel like doing the work to keep that up to date.) I'm using Quicken, but I assume MS Money and other competitors have the same capability if you buy the appropriate version.\"",
"title": ""
},
{
"docid": "cf879d817b1a282b62a24a5bf1dc6ed0",
"text": "\"I'm another programmer, I guess we all just like complicated things, or got here via stackoverflow. Obligatory tedious but accurate point: Investing is not personal finance, in fact it's maybe one of the less important parts of it. See this answer: Where to start with personal finance? Obligatory warning for software developer type minds: getting into investing because it's complicated and therefore fun is a really awful idea from a financial perspective. Or see behavioral finance research on how analytical/professional/creative type people are often terrible at investing, while even-tempered practical people are better. The thing with investing is that inaction is better than action, tried and true is better than creative, and simple is better than complicated. So if you're like me and many programmers and like creative, complicated action - not good for the wallet. You've been warned. That said. :-) Stuff I read In general I hate reading too much financial information because I think it makes me take ill-advised actions. The actions I most need to take have to do with my career and my spending patterns. So I try to focus on reading about software development, for example. Or I answer questions on this site, which at least might help someone out, and I enjoy writing. For basic financial news and research, I prefer Morningstar.com, especially if you get the premium version. The writing has more depth, it's often from qualified financial analysts, and with the paid version you get data and analysis on thousands of funds and stocks, instead of a small number as with Motley Fool newsletters. I don't follow Morningstar regularly anymore, instead I use it for research when I need to pick funds in a 401k or whatever. Another caveat on Morningstar is that the \"\"star ratings\"\" on funds are dumb. Look at the Analyst Picks and the analyst writeups instead. I just flipped through my RSS reader and I have 20-30 finance-related blogs in there collecting unread posts. It looks like the only one I regularly read is http://alephblog.com/ which is sort of random. But I find David Merkel very thoughtful and interesting. He's also a conservative without being a partisan hack, and posts frequently. I read the weekly market comment at http://hussmanfunds.com/ as well. Most weeks it says the market is overvalued, so that's predictable, but the interesting part is the rationale and the other ideas he talks about. I read a lot of software-related blogs and there's some bleed into finance, especially from the VC world; blogs like http://www.avc.com/ or http://bhorowitz.com/ or whatever. Anyway I spend most of my reading time on career-related stuff and I think this is also the correct decision from a financial perspective. If you were a doctor, you'd be better off reading about doctoring, too. I read finance-related books fairly often, I guess there are other threads listing ideas on that front. I prefer books about principles rather than a barrage of daily financial news and questionable ideas. Other than that, I keep up with headlines, just reading the paper every day including business-related topics is good enough. If there's some big event in the financial markets, it'll show up in the regular paper. Take a class I initially learned about finance by reading a pile of books and alongside that taking the CFP course and the first CFA course. Both are probably equivalent to about a college semester worth of work, but you can plow through them in a couple months each if you focus. You can just do the class (and take the exam if you like), without having to go on and actually get the work experience and the certifications. I didn't go on to do that. This sounds like a crazy thing to do, and it kind of is, but I think it's also sort of crazy to expect to be competent on a topic without taking some courses or otherwise getting pretty deep into the material. If you're a normal person and don't have time to take finance courses, you're likely better off either keeping it super-simple, or else outsourcing if you can find the right advisor: What exactly can a financial advisor do for me, and is it worth the money? When it's inevitably complex (e.g. as you approach retirement) then an advisor is best. My mom is retiring soon and I found her a professional, for example. I like having a lot of knowledge myself, because it's just the only way I could feel comfortable. So for sure I understand other people wanting to have it too. But what I'd share from the other side is that once you have it, the conclusion is that you don't have enough knowledge (or time) to do anything fancy anyway, and that the simple answers are fine. Check out http://www.amazon.com/Smart-Simple-Financial-Strategies-People/dp/0743269942 Investing for fun isn't investing for profit Many people recommend Motley Fool (I see two on this question already!). The site isn't evil, but the problem (in my opinion) is that it promotes an attitude toward and a style of investing that isn't objectively justifiable for practical reasons. Essentially I don't think optimizing for making money and optimizing for having fun coexist very well. If investing is your chosen hobby rather than fishing or knitting, then Motley Fool can be fun with their tone and discussion forums, but other people in forums are just going to make you go wrong money-wise; see behavioral finance research again. Talking to others isn't compatible with ice in your decision-making veins. Also, Motley Fool tends to pervasively make it sound like active investing is easier than it is. There's a reason the Chartered Financial Analyst curriculum is a few reams of paper plus 4 years of work experience, rather than reading blogs. Practical investing (\"\"just buy the target date fund\"\") can be super easy, but once you go beyond that, it's not. I don't really agree with the \"\"anyone can do it and it's not work!\"\" premise, any more than I think that about lawyering or doctoring or computer programming. After 15 years I'm a programming expert; after some courses and a lot of reading, I'm not someone who could professionally run an actively-managed portfolio. I think most of us need to have the fun part separate from the serious cash part. Maybe literally distinct accounts that you keep at separate brokerages. Or just do something else for fun, besides investing. Morningstar has this problem too, and finance.yahoo.com, and Bloomberg, I mean, they are all interested in making you think about investing a lot more than you ought to. They all have an incentive to convince you that the latest headlines make a difference, when they don't. Bottom line, I don't think personal finance changes very quickly; the details of specific mutual funds change, and there's always some new twist in the tax code, but the big picture is pretty stable. I think going in-depth (say, read the Chartered Financial Analyst curriculum materials) would teach you a lot more than reading blogs frequently. The most important things to work on are income (career) and spending (to maximize income minus spending). That's where time investment will pay off. I know it's annoying to argue the premise of the question rather than answering, but I did try to mention a couple things to read somewhere in there ;-)\"",
"title": ""
}
] |
fiqa
|
989a8a0f2e042eeed3c9c38dc6a6864a
|
Quickbooks custom field for computing a value
|
[
{
"docid": "7a6d1ce5a9f319a672629b90a457d4d3",
"text": "Custom fields are limited to non-calculated values. Read more here: http://qbblog.ccrsoftware.info/2008/07/custom-fields-in-quickbooks/ To do this you will need an add-on. I would reccomend CCRQInvoice, but only because its the only one I've tried and it worked. More here (this is an order form example, but it works): http://ccrqblog.ccrsoftware.info/adding-calculated-fields-to-order-forms/ The product info is here: http://www.ccrsoftware.com/CCRQInvoice/InvoiceQ.htm",
"title": ""
}
] |
[
{
"docid": "0f8bff4246bf5e8c9e8ded7affa5caa8",
"text": "\"Gnucash is first and foremost just a general ledger system. It tracks money in accounts, and lets you make transactions to transfer money between the accounts, but it has no inherent concept of things like taxes. This gives you a large amount of flexibility to organize your account hierarchy the way you want, but also means that it sometimes can take a while to figure out what account hierarchy you want. The idea is that you keep track of where you get money from (the Income accounts), what you have as a result (the Asset accounts), and then track what you spent the money on (the Expense accounts). It sounds like you primarily think of expenses as each being for a particular property, so I think you want to use that as the basis of your hierarchy. You probably want something like this (obviously I'm making up the specifics): Now, when running transaction reports or income/expense reports, you can filter to the accounts (and subaccounts) of each property to get a report specific to that property. You mention that you also sometimes want to run a report on \"\"all gas expenses, regardless of property\"\", and that's a bit more annoying to do. You can run the report, and when selecting accounts you have to select all the Gas accounts individually. It sounds like you're really looking for a way to have each transaction classified in some kind of two-axis system, but the way a general ledger works is that it's just a tree, so you need to pick just one \"\"primary\"\" axis to organize your accounts by.\"",
"title": ""
},
{
"docid": "0c4f199c3229d5ad0d8bd108f7cc2133",
"text": "depends entirely on the scope and where your chokepoints are. if its a question of ginormeous amounts of data being stored in your spreadsheet and then extracted/joined with a mess of index match functions, that can quickly run up in size, and can be deftly replaced with a powerquery setup. If it's a computation that requires a few iterative steps or complex nested lookups, but with simple inputs, then a few simply scripted UDFs can lower the complexity (and workload and size) of the workbook. OP also mentions that the workbook is used for the display. If there is a lot of repeated deletion and adding of formats, sometimes workbook size can be seriously affected by these things cluttering up the sheet, and it can be useful to just clear those outs. I'd say it makes sense to move away from workbooks and into something more technical if you the organizational support to do so. If one person sits and codes models in python but none of his colleagues can work on it or fix it, and it's not documented correctly, and there's no support structure, then I'd be cautious of transferring something business critical to that structure, rather than optimizing the solution that people are familiar with and can modify themselves. But if it's a tech-savvy organization that recruits accordingly and has the technical support structures to implement changes and modifications as required by the business, I don't see any problem in using other tools.",
"title": ""
},
{
"docid": "4c07eac84072af95d6ef2c086ba24bbf",
"text": "He has included this on Schedule D line 1a, but I don't see any details on the actual transaction. It is reported on form 8949. However, if it is fully reported in 1099-B (with cost basis), then you don't have to actually detail every position. Turbotax asked me to fill in individual stock sales with proceeds and cost basis information. ... Again, it seems to be documented on Schedule D in boxes 1a and 8a. See above. I received a 1099-Q for a 529 distribution for a family member. It was used for qualified expenses, so should not be taxable. Then there's nothing to report. I believe I paid the correct amounts based on my (possibly flawed) understanding of estimated taxes. His initial draft had me paying a penalty. I explained my situation for the year, and his next draft had the penalties removed, with no documentation or explanation. IRS assesses the penalty. If you volunteer to pay the penalty, you can calculate it yourself and pay with the taxes due. Otherwise - leave it to the IRS to calculate and assess the penalty they deem right and send you a bill. You can then argue with the IRS about that assessment. Many times they don't even bother, if the amounts are small, so I'd suggest going with what the CPA did.",
"title": ""
},
{
"docid": "92ee9cadaa14d9d89f6ca7d5aaa4a99e",
"text": "\"There are some assumptions which can be made in terms of the flexibility you have - I will start with the least flexible assumption and then move to more flexible assumptions. If you must put down a number 1, your go-to for this(\"\"Change the start period to 1\"\"), is pretty good, and it's used frequently for other divide-by-zero calculations like kda in a video game. The problem I have with '1' is that it doesn't allow you to handle various scales. Some problems are dealt with in thousands, some in fractions, and some in hundreds of millions. Therefore, you should change the start period to the smallest significantly measurable number you could reasonably have. Here, that would take your example 0 and 896 and give you an increase of 89,500%. It's not a great result, but it's the best you can hope for if you have to put down a number, and it allows you to keep some of the \"\"meaning in the change.\"\" If you absolutely must put something This is the assumption that most answers have taken - you can put down a symbol, a number with a notation, empty space, etc, but there is going to be a label somewhere called 'Growth' that will exist. I generally agree with what I've seen, particularly the answers from Benjamin Cuninghma and Nath. For the sake of preservation - those answers can be summarized as putting 'N/A' or '-', possibly with a footnote and asterisk. If you can avoid the measurement entirely The root of your question is \"\"What do my manager and investors expect to see?\"\" I think it's valuable to dig even further to \"\"What do my manager and investors really want to know?\"\". They want to know the state of their investment. Growth is often a good measurement of that state, but in cases where you are starting from zero or negative, it just doesn't tell you the right information. In these situations, you should avoid % growth, and instead talk in absolute terms which mention the time frame or starting state. For example:\"",
"title": ""
},
{
"docid": "0a73b83ef85d6ca73218ea60b4779a1a",
"text": "\"The OP does not explain \"\"what we pay for processing the transaction (cost of debiting the customer)\"\". Who exactly do you pay? Someone else, or your own employees/contractors? I will assume that $0.10 is paid to your own employees. Dr $10cash from money people give you Cr $10 liability to them because it is their money in your accounts. Dr $0.10 cash payment of paycheques or supplier invoices Cr $0.10 income statement Operating Eexpense Dr 0.20 liability to depositors for fees they pay, resulting in $9.80 remaining liability for their money you still have. Cr 0.20 income statement Fee Revenues\"",
"title": ""
},
{
"docid": "aa1f9c1214d7c33fb2a1e73c46fcb482",
"text": "\"You don't. No one uses vanilla double entry accounting software for \"\"Held-For-Trading Security\"\". Your broker or trading software is responsible for providing month-end statement of changes. You use \"\"Mark To Market\"\" valuation at the end of each month. For example, if your cash position is -$5000 and stock position is +$10000, all you do is write-up/down the account value to $5000. There should be no sub-accounts for your \"\"Investment\"\" account in GNUCash. So at the end of the month, there would be the following entries:\"",
"title": ""
},
{
"docid": "82556cf6dd6ff545b2163acfa5412108",
"text": "\"An accounting general ledger is based on tracking your actual assets, liabilities, expenses, and income, and Gnucash is first and foremost a general ledger program. While it has some simple \"\"budgeting\"\" capabilities, they're primarily based around reporting how close your actual expenses were to a planned budget, not around forecasting eventual cash flow or \"\"saving\"\" a portion of assets for particular purposes. I think the closest concept to what you're trying to do is that you want to take your \"\"real\"\" Checking account, and segment it into portions. You could use something like this as an Account Hierarchy: The total in the \"\"Checking Account\"\" parent represents your actual amount of money that you might reconcile with your bank, but you have it allocated in your accounting in various ways. You may have deposits usually go into the \"\"Available funds\"\" subaccount, but when you want to save some money you transfer from that into a Savings subaccount. You could include that transfer as an additional split when you buy something, such as transferring $50 from Assets:Checking Account:Available Funds sending $45 to Expenses:Groceries and $5 to Assets:Checking Account:Long-term Savings. This can make it a little more annoying to reconcile your accounts (you need to use the \"\"Include Subaccounts\"\" checkbox), and I'm not sure how well it'd work if you ever imported transaction files from your bank. Another option may be to track your budgeting (which answers \"\"How much am I allowed to spend on X right now?\"\") separately from your accounting (which only answers \"\"How much have I spent on X in the past?\"\" and \"\"How much do I own right now?\"\"), using a different application or spreadsheet. Using Gnucash to track \"\"budget envelopes\"\" is kind of twisting it in a way it's not really designed for, though it may work well enough for what you're looking for.\"",
"title": ""
},
{
"docid": "44e7a7cb513b863434091609d159ded7",
"text": "I'm responsible for all our hedging. Since we sell the energy to end users we do mostly fixed buys, swaps and calls. I'm a excel guru and dabble a little in SQL. we have Crystal Ball as well but i have no idea how to use it. I guess I'm trying to figure out if there is a tool that people use to help me analyze the spreads. or perhaps some reading material to help me through this. This is what i've been working towards for so long and i really don't want to fuck this up",
"title": ""
},
{
"docid": "0ddf5935ce37f66c96defd0182a0c28d",
"text": "\"This may be closed as not quite PF, but really \"\"startup\"\" as it's a business question. In general, you should talk to a professional if you have this type of question, specifics like this regarding your tax code. I would expect that as a business, you will use a proper paper trail to show that money, say 1000 units of currency, came in and 900 went out. This is a service, no goods involved. The transaction nets you 100, and you track all of this. In the end you have the gross profit, and then business expenses. The gross amount, 1000, should not be the amount taxed, only the final profit.\"",
"title": ""
},
{
"docid": "c1b97df8f72eb9db4c987059358d87ac",
"text": "\"Because you've sold something you've received cash (or at least an entry on your brokerage statement to say you've got cash) so you should record that as a credit in your brokerage account in GnuCash. The other side of the entry should go into another account that you create called something like \"\"Open Positions\"\" and is usually marked as a Liability account type (if you need to mark it as such). If you want to keep an accurate daily tally of your net worth you can add a new entry to your Open Positions account and offset that against Income which will be either negative or positive depending on how the position has moved for/against you. You can also do this at a lower frequency or not at all and just put an entry in when your position closes out because you bought it back or it expired or it was exercised. My preferred method is to have a single entry in the Open Positions account with an arbitrary date near when I expect it to be closed and each time I edit that value (daily or weekly) so I only have the initial entry and the current adjust to look at which reduces the number of entries and confusion if there are too many.\"",
"title": ""
},
{
"docid": "9e3aeb1e220e254a1b835e73c9e24e8b",
"text": "\"Since this is a cooperative I'm guessing your partners may want to be able to view the books so another key point you may want to consider is collaboration. QuickBooks desktop has all of these same issues because it is meant to be used on a single desktop. We're in an age of mobile devices, and especially in a business like landscaping it would be nice if certain aspects of record keeping could be done at the point and time where they are incurred. I'd argue you want a Software as a Service (SaaS) accounting package as opposed to \"\"accounting software\"\" which might come on a CD in the form of QuickBooks, Sage and others. Additionally, most of these will also have guides to help make sure you are properly entering your records. Most of these SaaS products also have customer success teams to help you along should you need assistance. Depending on the level of your subscription you may get more sophisticated handling of taxes, customized invoices or integrated payroll. Your goal is to keep accurate records so you can better run your business and maintain obligations like filing taxes. You're not keeping the records just to have them. Keep them in a place where they will work for you and provide the insights and functionality that will help your business grow and become successful. Accounting software will always win in this scenario over a spreadsheet. FULL DISCLAIMER: I work for Kashoo, a simple cloud accounting product designed for small businesses. But the points I mention above are true for Xero, QuickBooks Online and Wave as well as Kashoo. And if you really want expertise to go with the actual software consider service providers with a platform like: Indinero, Bench, easyrecordbooks or Liberty Accounting.\"",
"title": ""
},
{
"docid": "de91a74d3d2cb9541a9866e233ae6c28",
"text": "Typically that applies if the broker Form 1099-B reports an incorrect basis to the IRS. If the Form 1099-B shows incorrect basis relative to your records, then you can use 8949, column (g) to report the correct basis. The 8949 Instructions provide a brief example. http://www.irs.gov/pub/irs-prior/i8949--2013.pdf Although you have an obligation to report all income, and hence to report the true basis, as a practical matter this information will usually be correct as presented by the broker. If you have separate information or reports relating to your investments, and you are so inclined, then you can double-check the basis information in your 1099-B. If you aren't aware of basis discrepancies, then the adjustments probably don't apply to you and your investments can stick to Schedule D.",
"title": ""
},
{
"docid": "beea3f671766c0cef4427097bdc05788",
"text": "Funds earned and spent before opening a dedicated business account should be classified according to their origination. For example, if your business received income, where did that money go? If you took the money personally, it would be considered either a 'distribution' or a 'loan' to you. It is up to you which of the two options you choose. On the flip side, if your business had an expense that you paid personally, that would be considered either a 'contribution of capital' or a 'loan' from you. If you choose to record these transactions as loans, you can offset them together, so you don't need two separate accounts, loan to you and loan from you. When the bank account was opened, the initial deposit came from where? If it came from your personal funds, then it is either a 'contribution of capital' or a 'loan' from you. From the sound of your question, you deposited what remained after the preceding income/expenses. This would, in effect, return the 'loan' account back to zero, if choosing that route. The above would also be how to record any expenses you may pay personally for the business (if any) in the future. Because these transactions were not through a dedicated business bank account, you can't record them in Quickbooks as checks and deposits. Instead, you can use Journal Entries. For any income received, you would debit your capital/loan account and credit your income account. For any expenses, you would debit the appropriate expense account and credit your distribution/loan account. Also, if setting up a loan account, you should choose either Current Asset or Current Liability type. The capital contribution and distribution account should be Equity type. Hope this helps!",
"title": ""
},
{
"docid": "aba782590d5f1712aaaa8e5e9895a03b",
"text": "I suggest that you use your own judgement on this. You can assign a reasonable percentage since it is impossible to monitor the hours using those assets. Example: 40 personal and 60 for business. It's really your call. I also suggest that you should be conservative on valuing the assets. Record the assets at it's lowest value. This is one of the most difficult scenarios in making your own financial statements. You can also use this approach, i will record the assets at its original cost then use a higher depreciation rate or double declining method of depreciation. If the assets have a depreciation rate of 20% per year (useful life of 5 years), i will make it 30%. the other 10% will add more expense and helps you not to overstate your Financial Statement. You can also use the residual value of the asset, but if you do this, you should figure out the reliable amount. I understand that this is not for tax reporting purposes. Therefore, there's no harm if you overstate your Financial statement. And even if you overstate, you can still adjust the cost of the asset. Along the way (in the middle of the year or year end), you will figure out the cost of the asset if it's over valued once the financial statement is done.",
"title": ""
},
{
"docid": "6d0884103408e571b9a1cd40123973b7",
"text": "\"There is no \"\"standard\"\" way for personal accounting. However, GNUCash default accounts set includes \"\"Expense: Adjustment\"\". It is usually used by the community for reconciliation of unknown small money lost.\"",
"title": ""
}
] |
fiqa
|
2a1a06ab72700fe07914c144a23240b6
|
Pros & cons of buying gold directly vs. investing in a gold ETF like GLD, IAU, SGOL?
|
[
{
"docid": "08cec8c13d6cc51c6f85f6b481c17691",
"text": "Owning physical gold (assuming coins): Owning gold through a fund:",
"title": ""
},
{
"docid": "e3ee11e77e85eaf369243b040ef882e3",
"text": "If you want to speculate on gold price you should always buy an ETF/ETC (Exchange Traded Commodity). The reasons are simple: Easy to buy and sell (one mouse click) Cheap to buy and sell (small bank commission), compared to buy real gold (always 6 to 12% comission to the local shop when you buy and when you sell), see this one it's one cheap gold buy/sell shop I found on the internet But if you sometimes feel unsecure that you might one day loose everything due to a major economy collapse event (like an armageddon), or not to have enough money in bad periods or during retirment, and it makes you feel better to know you buried 999 Gold Sovereign in your house backyard (along with a rifle as suggested in comments), then just buy them and live an happy life (as long as you hide your gold in good ways and write a good treasury map).",
"title": ""
}
] |
[
{
"docid": "51f09d8025fb86f43c74dfdb82941039",
"text": "\"Two points: One, yes -- the price of gold has been going up. [gold ETF chart here](http://www.google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=maximized&chdeh=0&chfdeh=0&chdet=1349467200000&chddm=495788&chls=IntervalBasedLine&q=NYSEARCA:IAU&ntsp=0&ei=PQhvUMjiAZGQ0QG5pQE) Two, the US has confiscated gold in the past. They did it in the 1930s. Owning antique gold coins is stupid because you're paying for gold + the supply / demand imbalance forced upon that particular coin by the coin collector market. If you want to have exposure to gold in your portfolio, the cheapest way is through an ETF. If you want to own physical gold because a) it's shiny or b) you fear impending economic collapse -- you're probably better off with bullion from a reputable dealer. You can buy it in grams or ounces -- you can also buy it in coins. Physical gold will generally cost you a little more than the spot price (think 5% - 10%? -- not really sure) but it can vary wildly. You might even be able to buy it for under the spot price if you find somebody that isn't very bright willing to sell. Buyer beware though -- there are lots of shady folks in the \"\"we buy gold\"\" market.\"",
"title": ""
},
{
"docid": "001bd856c730fa6fc8e49f45937cb647",
"text": "Here's a start at a high level: I have a few friends who have made a killing on GLD, and write options to make money off of the investment without incurring the capital gains penalties for selling. That's a little out of my comfort zone though.",
"title": ""
},
{
"docid": "a45d86720144171e1b19179224fec645",
"text": "It depends on what your goals are, your age, how much debt you have, etc. Assuming -- and we all know what happens when you assume -- that your financial life is otherwise in order, the 5% to 10% range you're talking about isn't overinvesting. You won't have a lot of company; most people don't own any. One comment on this part: I have some gold (GLD), but not much ... Gold and GLD are not the same thing at all. Owning shares of the SPDR Gold Trust is not the same thing as owning gold coins or bars. You're achieving different ends by owning GLD shares as opposed to the physical yellow metal. GLD will follow the spot price of gold pretty closely, but it isn't the same thing as physical ownership.",
"title": ""
},
{
"docid": "a43b96a974577a49b2762736aabffc13",
"text": "\"As proposed: Buy 100 oz of gold at $1240 spot = -$124,000 Sell 1 Aug 2014 Future for $1256 = $125,600 Profit $1,600 Alternative Risk-Free Investment: 1 year CD @ 1% would earn $1240 on $124,000 investment. Rate from ads on www.bankrate.com \"\"Real\"\" Profit All you are really being paid for this trade is the difference between the profit $1,600 and the opportunity for $1240 in risk free earnings. That's only $360 or around 0.3%/year. Pitfalls of trying to do this: Many retail futures brokers are set up for speculative traders and do not want to deal with customers selling contracts against delivery, or buying for delivery. If you are a trader you have to keep margin money on deposit. This can be a T-note at some brokerages, but currently T-notes pay almost 0%. If the price of gold rises and you are short a future in gold, then you need to deposit more margin money. If gold went back up to $1500/oz, that could be $24,400. If you need to borrow this money, the interest will eat into a very slim profit margin over the risk free rate. Since you can't deliver, the trades have to be reversed. Although futures trades have cheap commissions ~$5/trade, the bid/ask spread, even at 1 grid, is not so minimal. Also there is often noisy jitter in the price. The spot market in physical gold may have a higher bid/ask spread. You might be able to eliminate some of these issues by trading as a hedger or for delivery. Good luck finding a broker to let you do this... but the issue here for gold is that you'd need to trade in depository receipts for gold that is acceptable for delivery, instead of trading physical gold. To deliver physical gold it would likely have to be tested and certified, which costs money. By the time you've researched this, you'll either discover some more costs associated with it or could have spent your time making more money elsewhere.\"",
"title": ""
},
{
"docid": "184b192142a08e69ff99c90145a0ef1a",
"text": "You're missing the cost-of-carry aspect: The cost of carry or carrying charge is the cost of storing a physical commodity, such as grain or metals, over a period of time. The carrying charge includes insurance, storage and interest on the invested funds as well as other incidental costs. In interest rate futures markets, it refers to the differential between the yield on a cash instrument and the cost of the funds necessary to buy the instrument. So in a nutshell, you'd have to store the gold (safely), invest your money now, i.e. you're missing out on interests the money could have earned until the futures delivery date. Well and on top of that you need to get the gold shipped to London or wherever the agreed delivery place is. Edit: Forgot to mention that of course there are arbitrageurs that make sure the futures and spot market prices don't diverge. So the idea isn't that bad as I might have made it sound but being in the arbitrage business myself I should disclaim that profits are small and arbitraging is highly automated, so before you spot a $1 profit somewhere between any two contracts, you can be quite sure it's been taken by an arbitrageur already.",
"title": ""
},
{
"docid": "9c84d0cd8ba4ce0d23663e0591844911",
"text": "Gold is a risky and volatile investment. If you want an investment that's inflation-proof, you should buy index-linked government bonds in the currency that you plan to be spending the money in, assuming that government controls its own currency and has a good credit rating.",
"title": ""
},
{
"docid": "8c507717d9501648c82e19ba942fa209",
"text": "This is an excellent question; kudos for asking it. How much a person pays over spot with gold can be negotiated in person at a coin shop or in an individual transaction, though many shops will refuse to negotiate. You have to be a clever and tough negotiator to make this work and you won't have any success online. However, in researching your question, I dug for some information on one gold ETF OUNZ - which is physically backed by gold that you can redeem. It appears that you only pay the spot price if you redeem your shares for physical gold: But aren't those fees exorbitant? After all, redeeming for 50 ounces of Gold Eagles would result in a $3,000 fee on a $65,000 transaction. That's 4.6 percent! Actually, the fee simply reflects the convenience premium that gold coins command in the market. Here are the exchange fees compared with the premiums over spot charged by two major online gold retailers: Investors do pay an annual expense ratio, but the trade-off is that as an investor, you don't have to worry about a thief breaking in and stealing your gold.",
"title": ""
},
{
"docid": "613f34cb917a8d2321c89092453f5ebe",
"text": "I think your question is very difficult to answer because it involves speculation. I think the best article describing why or why not to invest in gold in a recent Motley Fool Article.",
"title": ""
},
{
"docid": "e26623e08553c09696cac38fbef44909",
"text": "gold is incredibly volatile, I tried spreadbetting on it. During the month of its highest gain, month beginning to month end, I was betting it would go up - and I still managed to lose money. It went down so much, that my stop loss margin would kick in. Don't do things with gold in the short term its a very small and liquid market. My advice with gold, actually buy some physical gold as insurance.",
"title": ""
},
{
"docid": "2b61c5a5c10181068fa87709c6c4ddf5",
"text": "Just sticking to equities: If you are investing directly in a share/stock, depending on various factors, you may have picked up a winner or to your dismay a loser. Say you just have Rs 10,000/- to invest, which stock would you buy? If you don't know, then it’s better to buy a Mutual Fund. Now if you say you would buy a few of everything, then even to purchase say Rs 5000/- worth of each stock in the NIFTY Index [50 companies] you would require at least an investment of 250,000/-. When you are investing directly you always have to buy in whole numbers, i.e. you can't buy 1/2 share or 1.6 share of some stock. The way Mutual funds work is they take 10,000 from 250 people and invest in all the stocks. There are fund managers who's job is to pick good stocks, however even they cannot predict winners all the time. Normally a few of the picks become great winners, most are average, and a few are losers; this means that overall your returns are average VS if you had picked the winning stock. The essential difference between you investing on your own and via mutual funds are: It is good to begin with a Mutual Fund, and once you start understanding the stocks better you can invest directly into the equities. The same logic holds true for Debt as well.",
"title": ""
},
{
"docid": "f87e691cf0d2cbc4dbe43f3e6a856f8b",
"text": "\"In addition to the possibility of buying gold ETFs or tradable certificates, there are also firms specializing in providing \"\"bank accounts\"\" of sorts which are denominated in units of weight of precious metal. While these usually charge some fees, they do meet your criteria of being able to buy and sell precious metals without needing to store them yourself; also, these fees are likely lower than similar storage arranged by yourself. Depending on the specifics, they may also make buying small amounts practical (buying small amounts of physical precious metals usually comes with a large mark-up over the spot price, sometimes to the tune of a 50% or so immediate loss if you buy and then immediately sell). Do note that, as pointed out by John Bensin, buying gold gets you an amount of metal, the local currency value of which will vary over time, sometimes wildly, so it is not the same thing as depositing the original amount of money in a bank account. Since 2006, the price of an ounce (about 31.1 grams) of gold has gone from under $500 US to over $1800 US to under $1100 US. Few other investment classes are anywhere near this volatile. If you are interested in this type of service, you might want to check out BitGold (not the same thing at all as Bitcoin) or GoldMoney. (I am not affiliated with either.) Make sure to do your research thoroughly as these may or may not be covered by the same regulations as regular banks, particularly if you choose a company based outside of or a storage location outside of your own country.\"",
"title": ""
},
{
"docid": "83019dc6c425172c79135e3a453e0f56",
"text": "\"I recommend avoiding trading directly in commodities futures and options. If you're not prepared to learn a lot about how futures markets and trading works, it will be an experience fraught with pitfalls and lost money – and I am speaking from experience. Looking at stock-exchange listed products is a reasonable approach for an individual investor desiring added diversification for their portfolio. Still, exercise caution and know what you're buying. It's easy to access many commodity-based exchange-traded funds (ETFs) on North American stock exchanges. If you already have low-cost access to U.S. markets, consider this option – but be mindful of currency conversion costs, etc. Yet, there is also a European-based company, ETF Securities, headquartered in Jersey, Channel Islands, which offers many exchange-traded funds on European exchanges such as London and Frankfurt. ETF Securities started in 2003 by first offering a gold commodity exchange-traded fund. I also found the following: London Stock Exchange: Frequently Asked Questions about ETCs. The LSE ETC FAQ specifically mentions \"\"ETF Securities\"\" by name, and addresses questions such as how/where they are regulated, what happens to investments if \"\"ETF Securities\"\" were to go bankrupt, etc. I hope this helps, but please, do your own due diligence.\"",
"title": ""
},
{
"docid": "af190e38f4bb8831e73bcc2a214574c2",
"text": "\"Gold ownership has been outlawed before in this country. However, if you research it I think you'll find that there are two components in pricing gold coins: * The spot value of gold * The numismatic value of the coin in question. That second point is where you get fucked. There are a whole lot of outfits selling worthless \"\"investment grade\"\" coins that sell for way more than they should based on gold content, and for way more than any coin collector would ever give you for the value of the coin itself. But it's much harder to find a reasonable price for some supposedly rare coin than it is for the metal itself, so it's easier to scam you. So it's in the best interest of the guys that advertise for these firms to say \"\"buying rare coins is awesome, and buying straight gold is stupid.\"\" Me? If I want to buy going coins I'll buy US Gold Eagles for a small percentage over the spot price. They're probably more liquid than some random chunk of goldish metal that says it's 1oz/10oz/100oz of gold.\"",
"title": ""
},
{
"docid": "8d00dd5afb4e0e6968e4d1bf071575e6",
"text": "\"ETFs purchases are subject to a bid/ask spread, which is the difference between the highest available purchase offer (\"\"bid\"\") and the lowest available sell offer (\"\"ask\"\"). You can read more about this concept here. This cost doesn't exist for mutual funds, which are priced once per day, and buyers and sellers all use the same price for transactions that day. ETFs allow you to trade any time that the market is open. If you're investing for the long term (which means you're not trying to time your buy/sell orders to a particular time of day), and the pricing is otherwise equal between the ETF and the mutual fund (which they are in the case of Vanguard's ETFs and Admiral Shares mutual funds), I would go with the mutual fund because it eliminates any cost associated with bid/ask spread.\"",
"title": ""
},
{
"docid": "701044a51a7f47011eb598f92c1ca560",
"text": "Gold's valuation is so stratospheric right now that I wonder if negative numbers (as in, you should short it) are acceptable in the short run. In the long run I'd say the answer is zero. The problem with gold is that its only major fundamental value is for making jewelry and the vast majority is just being hoarded in ways that can only be justified by the Greater Fool Theory. In the long run gold shouldn't return more than inflation because a pile of gold creates no new wealth like the capital that stocks are a claim on and doesn't allow others to create new wealth like money lent via bonds. It's also not an important and increasingly scarce resource for wealth creation in the global economy like oil and other more useful commodities are. I've halfway-thought about taking a short position in gold, though I haven't taken any position, short or long, in gold for the following reasons: Straight up short-selling of a gold ETF is too risky for me, given its potential for unlimited losses. Some other short strategy like an inverse ETF or put options is also risky, though less so, and ties up a lot of capital. While I strongly believe such an investment would be profitable, I think the things that will likely rise when the flight-to-safety is over and gold comes back to Earth (mainly stocks, especially in the more beaten-down sectors of the economy) will be equally profitable with less risk than taking one of these positions in gold.",
"title": ""
}
] |
fiqa
|
4363e7ad50157e49a199ff7a0160bc6a
|
Does a bond etf drop by the amount of the dividend just like an equity etf
|
[
{
"docid": "c8e6b1e733931958f9180e8ad4a2b7d7",
"text": "No, they do not. Stock funds and bonds funds collect income dividends in different ways. Stock funds collect dividends (as well as any capital gains that are realized) from the underlying stocks and incorporates these into the funds’ net asset value, or daily share price. That’s why a stock fund’s share price drops when the fund makes a distribution – the distribution comes out of the fund’s total net assets. With bond funds, the internal accounting is different: Dividends accrue daily, and are then paid out to shareholders every month or quarter. Bond funds collect the income from the underlying bonds and keep it in a separate internal “bucket.” A bond fund calculates a daily accrual rate for the shares outstanding, and shareholders only earn income for the days they actually hold the fund. For example, if you buy a bond fund two days before the fund’s month-end distribution, you would only receive two days’ worth of income that month. On the other hand, if you sell a fund part-way through the month, you will still receive a partial distribution at the end of the month, pro-rated for the days you actually held the fund. Source Also via bogleheads: Most Vanguard bond funds accrue interest to the share holders daily. Here is a typical statement from a prospectus: Each Fund distributes to shareholders virtually all of its net income (interest less expenses) as well as any net capital gains realized from the sale of its holdings. The Fund’s income dividends accrue daily and are distributed monthly. The term accrue used in this sense means that the income dividends are credited to your account each day, just like interest in a savings account that accrues daily. Since the money set aside for your dividends is both an asset of the fund and a liability, it does not affect the calculated net asset value. When the fund distributes the income dividends at the end of the month, the net asset value does not change as both the assets and liabilities decrease by exactly the same amount. [Note that if you sell all of your bond fund shares in the middle of the month, you will receive as proceeds the value of your shares (calculated as number of shares times net asset value) plus a separate distribution of the accrued income dividends.]",
"title": ""
},
{
"docid": "b962d0c6c11e5ca3e77f09acaddf793b",
"text": "Most bond ETFs have switched to monthly dividends paid on the first of each month, in an attempt to standardize across the market. For ETFs (but perhaps not bond mutual funds, as suggested in the above answer) interest does accrue in the NAV, so the price of the fund does drop on ex-date by an amount equal to the dividend paid. A great example of this dynamic can be seen in FLOT, a bond ETF holding floating rate corporate bonds. As you can see in this screenshot, the NAV has followed a sharp up and down pattern, almost like the teeth of a saw. This is explained by interest accruing in the NAV over the course of each month, until it is paid out in a dividend, dropping the NAV sharply in one day. The effect has been particularly pronounced recently because the floating coupon payments have increased significantly (benchmark interest rates are higher) and mark-to-market changes in credit spreads of the constituent bonds have been very muted.",
"title": ""
},
{
"docid": "7c73f3efee233cebf09efa70a897dd2c",
"text": "It may be true for a bond fund. But it is not true for bond etf. Bond etf will drop by the same amount when it distribute dividend on ex-dividend date.",
"title": ""
}
] |
[
{
"docid": "a6ee4e5de0eaac8cd605fe3bd7730482",
"text": "\"You seem to be assuming that ETFs must all work like the more traditional closed-end funds, where the market price per share tends—based on supply and demand—to significantly deviate from the underlying net asset value per share. The assumption is simplistic. What are traditionally referred to as closed-end funds (CEFs), where unit creation and redemption are very tightly controlled, have been around for a long time, and yes, they do often trade at a premium or discount to NAV because the quantity is inflexible. Yet, what is generally meant when the label \"\"ETF\"\" is used (despite CEFs also being both \"\"exchange-traded\"\" and \"\"funds\"\") are those securities which are not just exchange-traded, and funds, but also typically have two specific characteristics: (a) that they are based on some published index, and (b) that a mechanism exists for shares to be created or redeemed by large market participants. These characteristics facilitate efficient pricing through arbitrage. Essentially, when large market participants notice the price of an ETF diverging from the value of the shares held by the fund, new units of the ETF can get created or redeemed in bulk. The divergence quickly narrows as these participants buy or sell ETF units to capture the difference. So, the persistent premium (sometimes dear) or discount (sometimes deep) one can easily witness in the CEF universe tend not to occur with the typical ETF. Much of the time, prices for ETFs will tend to be very close to their net asset value. However, it isn't always the case, so proceed with some caution anyway. Both CEF and ETF providers generally publish information about their funds online. You will want to find out what is the underlying Net Asset Value (NAV) per share, and then you can determine if the market price trades at a premium or a discount to NAV. Assuming little difference in an ETF's price vs. its NAV, the more interesting question to ask about an ETF then becomes whether the NAV itself is a bargain, or not. That means you'll need to be more concerned with what stocks are in the index the fund tracks, and whether those stocks are a bargain, or not, at their current prices. i.e. The ETF is a basket, so look at each thing in the basket. Of course, most people buy ETFs because they don't want to do this kind of analysis and are happy with market average returns. Even so, sector-based ETFs are often used by traders to buy (or sell) entire sectors that may be undervalued (or overvalued).\"",
"title": ""
},
{
"docid": "e68cfb5a28d39979c5839becde274e73",
"text": "\"First, it's an exaggeration to say \"\"every\"\" dollar. Traditional mutual funds, including money-market funds, keep a small fraction of their assets in cash for day-to-day transactions, maybe 1%. If you invest $1, they put that in the cash bucket and issue you a share. If you and 999 other people invest $100 each, not offset by people redeeming, they take the aggregated $100,000 and buy a bond or two. Conversely, if you redeem one share it comes out of cash, but if lots of people redeem they sell some bond(s) to cover those redemptions -- which works as long as the bond(s) can in fact be sold for close enough to their recorded value. And this doesn't mean they \"\"can't fail\"\". Even though they are (almost totally) invested in securities that are thought to be among the safest and most liquid available, in sufficiently extreme circumstances those investments can fall in market value, or they can become illiquid and unavailable to cover \"\"withdrawals\"\" (redemptions). ETFs are also fully invested, but the process is less direct. You don't just send money to the fund company. Instead: Thus as long as the underlyings for your ETF hold their value, which for a money market they are designed to, and the markets are open and the market maker firms are operating, your ETF shares are well backed. See https://en.wikipedia.org/wiki/Exchange-traded_fund for more.\"",
"title": ""
},
{
"docid": "39039f0f18b9a5f0ebc766f87a502934",
"text": "In the past 10 years there have been mutual funds that would act as a single bucket of stocks and bonds. A good example is Fidelity's Four In One. The trade off was a management fee for the fund in exchange for having to manage the portfolio itself and pay separate commissions and fees. These days though it is very simple and pretty cheap to put together a basket of 5-6 ETFs that would represent a balanced portfolio. Whats even more interesting is that large online brokerage houses are starting to offer commission free trading of a number of ETFs, as long as they are not day traded and are held for a period similar to NTF mutual funds. I think you could easily put together a basket of 5-6 ETFs to trade on Fidelity or TD Ameritrade commission free, and one that would represent a nice diversified portfolio. The main advantage is that you are not giving money to the fund manager but rather paying the minimal cost of investing in an index ETF. Overall this can save you an extra .5-1% annually on your portfolio, just in fees. Here are links to commission free ETF trading on Fidelity and TD Ameritrade.",
"title": ""
},
{
"docid": "a8ec31c8e05e9102812438ff56dd99ca",
"text": "The answer, for me, has to do with compounding. That drop in price post-ex-div is not compounded. But if you reinvest your dividends back into the stock then you buy on those post-ex-div dips in price and your money is compounded because those shares you just bought will, themselves, yeald dividends next quarter. Also, with my broker, I reinvest the dividend incurring no commission. My broker has a feature to reinvest dividends automatically and he charges no commission on those buys. Edit:I forgot to mention that you do not incurr the loss from a drop in price until you sell the security. If you do not sell post-ex-div then you have no loss. As long as the dividend remains the same (or increases) then the theoretical ROI on that security goes up. The drop in price is actually to your benefit because you are able to acquire more shares with the money you just received in the dividend So the price coming down post-ex-div is a good thing (if you buy and hold).",
"title": ""
},
{
"docid": "6cea60b302b70be03bb12fc814eafffe",
"text": "SPY does not reinvest dividends. From the SPY prospectus: No Dividend Reinvestment Service No dividend reinvestment service is provided by the Trust. Broker-dealers, at their own discretion, may offer a dividend reinvestment service under which additional Units are purchased in the secondary market at current market prices. SPY pays out quarterly the dividends it receives (after deducting fees and expenses). This is typical of ETFs. The SPY prospectus goes on to say: Distributions in cash that are reinvested in additional Units through a dividend reinvestment service, if offered by an investor’s broker-dealer, will be taxable dividends to the same extent as if such dividends had been received in cash.",
"title": ""
},
{
"docid": "593d3f385dbb52c6f01b17d9c60e39a2",
"text": "One of the often cited advantages of ETFs is that they have a higher liquidity and that they can be traded at any time during the trading hours. On the other hand they are often proposed as a simple way to invest private funds for people that do not want to always keep an eye on the market, hence the intraday trading is mostly irrelevant for them. I am pretty sure that this is a subjective idea. The fact is you may buy GOOG, AAPL, F or whatever you wish(ETF as well, such as QQQ, SPY etc.) and keep them for a long time. In both cases, if you do not want to keep an on the market it is ok. Because, if you keep them it is called investment(the idea is collecting dividends etc.), if you are day trading then is it called speculation, because you main goal is to earn by buying and selling, of course you may loose as well. So, you do not care about dividends or owning some percent of the company. As, ETFs are derived instruments, their volatility depends on the volatility of the related shares. I'm wondering whether there are secondary effects that make the liquidity argument interesting for private investors, despite not using it themselves. What would these effects be and how do they impact when compared, for example, to mutual funds? Liquidity(ability to turn cash) could create high volatility which means high risk and high reward. From this point of view mutual funds are more safe. Because, money managers know how to diversify the total portfolio and manage income under any market conditions.",
"title": ""
},
{
"docid": "86187aff29a5958bb1351d248820ce19",
"text": "NO. All the leveraged ETFs are designed to multiply the performance of the underlying asset FOR THAT DAY, read the prospectus. Their price is adjusted at the end of the day to reflect what is called a NAV unit. Basically, they know that their price is subject to fluctuations due to supply and demand throughout the day - simply because they trade in a quote driven system. But the price is automatically corrected at the end of the day regardless. In practice though, all sorts of crazy things happen with leveraged ETFs that will simply make them more and more unfavorable to hold long term, the longer you look at it.",
"title": ""
},
{
"docid": "8cb549009ae9d2f1a8976238da587253",
"text": "\"My knowledge relates to ETFs only. By definition, an ETF's total assets can increase or decrease based upon how many shares are issued or redeemed. If somebody sells shares back to the ETF provider (rather than somebody else on market) then the underlying assets need to be sold, and vice-versa for purchasing from the ETF provider. ETFs also allow redemptions too in addition to this. For an ETF, to determine its total assets, you need to you need to analyze the Total Shares on Issue multipled by the Net Asset Value. ETFs are required to report shares outstanding and NAV on a daily basis. \"\"Total assets\"\" is probably more a function of marketing rather than \"\"demand\"\" and this is why most funds report on a net-asset-value-per-share basis. Some sites report on \"\"Net Inflows\"\" is basically the net change in shares outstanding multiplied by the ETF price. If you want to see this plotted over time you can use a such as: http://www.etf.com/etfanalytics/etf-fund-flows-tool which allows you to see this as a \"\"net flows\"\" on a date range basis.\"",
"title": ""
},
{
"docid": "ec6a3464c58d2dafda4f0dc6ea41e07e",
"text": "\"If anything, the price of an ETF is more tightly coupled to the underlying holdings or assets than a mutual fund, because of the independent creation/destruction mechanism. With a mutual fund, the price is generally set once at the end of each day, and the mutual fund manager has to deal with investments and redemptions at that price. By the time they get to buying or selling the underlying assets, the market may have moved or they may even move the market with those transactions. With an ETF, investment and redemption is handled by independent \"\"authorized participants\"\". They can create new units of the ETF by buying up the underlying assets and delivering them to the ETF manager, and vice versa they can cancel units by requesting the underlying assets from the ETF manager. ETFs trade intraday (i.e. at any time during trading hours) and any time the price diverges too far from the underlying assets, one of the authorized participants has an incentive to make a small profit by creating or destroying units of the ETF, also intraday.\"",
"title": ""
},
{
"docid": "633f12b72b94b8c2b1f01afeba5ecc19",
"text": "The S&P 500 is an index, you can't buy shares of an index, but you can find index funds to invest in. Each company in that fund that pays dividends will do so on their own schedule, and the fund you've invested in will either distribute dividends or accumulate them (re-invest), this is pre-defined, not something they'd decide quarter to quarter. If the fund distributes dividends, they will likely combine the dividends they receive and distribute to you quarterly. The value you've referenced represents the total annual dividend across the index, dividend yield for S&P500 is currently ~1.9%, so if you invested $10,000 a year ago in a fund that matched the S&P 500, you'd have ~$190 in dividend yield.",
"title": ""
},
{
"docid": "bf11a18f0b61c31cae4772b7d6a1112e",
"text": "Vanguard has low cost ETFs that track the S&P 500. The ticker is VOO, its expense ratio is 0.05%, which is pretty low compared to others in the market. Someone correct me if I'm wrong, but you won't have to pay tax on the dividends if it's in a retirement account such as a Traditional(pay taxes when you withdraw) or Roth IRA(pay income/federal/fica etc, but no taxes on withdrawal)...",
"title": ""
},
{
"docid": "bbda2280304228ee54efc1f6aa7d9d0b",
"text": "No. Investors purchase ETFs' as they would any other stock, own it under the same circumstances as an equity investment, collecting distributions instead of dividends or interest. The ETF takes care of the internal operations (bond maturities and turnover, accrued interest, payment dates, etc.).",
"title": ""
},
{
"docid": "71e70c6c3d426e2f03e616d2b9f7092d",
"text": "\"Let me provide a general answer, that might be helpful to others, without addressing those specific stocks. Dividends are simply corporate payouts made to the shareholders of the company. A company often decides to pay dividends because they have excess cash on hand and choose to return it to shareholders by quarterly payouts instead of stock buy backs or using the money to invest in new projects. I'm not exactly sure what you mean by \"\"dividend yield traps.\"\" If a company has declared an dividend for the upcoming quarter they will almost always pay. There are exceptions, like what happened with BP, but these exceptions are rare. Just because a company promises to pay a dividend in the approaching quarter does not mean that it will continue to pay a dividend in the future. If the company continues to pay a dividend in the future, it may be at a (significantly) different amount. Some companies are structured where nearly all of there corporate profits flow through to shareholders via dividends. These companies may have \"\"unusually\"\" high dividends, but this is simply a result of the corporate structure. Let me provide a quick example: Certain ETFs that track bonds pay a dividend as a way to pass through interest payments from the underlying bonds back to the shareholder of the ETF. There is no company that will continue to pay their dividend at the present rate with 100% certainty. Even large companies like General Electric slashed its dividend during the most recent financial crisis. So, to evaluate whether a company will keep paying a dividend you should look at the following: Update: In regards to one the first stock you mentioned, this sentence from the companies of Yahoo! finance explains the \"\"unusually\"\" dividend: The company has elected to be treated as a REIT for federal income tax purposes and would not be subject to income tax, if it distributes at least 90% of its REIT taxable income to its share holders.\"",
"title": ""
},
{
"docid": "b0d570729d6309ccf9878653379d3654",
"text": "The literal answer to your question 'what determines the price of an ETF' is 'the market'; it is whatever price a buyer is willing to pay and a seller is willing to accept. But if the market price of an ETF share deviates significantly from its NAV, the per-share market value of the securities in its portfolio, then an Authorized Participant can make an arbitrage profit by a transaction (creation or redemption) that pushes the market price toward NAV. Thus as long as the markets are operating and the APs don't vanish in a puff of smoke we can expect price will track NAV. That reduces your question to: why does NAV = market value of the holdings underlying a bond ETF share decrease when the market interest rate rises? Let's consider an example. I'll use US Treasuries because they have very active markets, are treated as risk-free (although that can be debated), and excluding special cases like TIPS and strips are almost perfectly fungible. And I use round numbers for convenience. Let's assume the current market interest rate is 2% and 'Spindoctor 10-year Treasury Fund' opens for business with $100m invested (via APs) in 10-year T-notes with 2% coupon at par and 1m shares issued that are worth $100 each. Now assume the interest rate goes up to 3% (this is an example NOT A PREDICTION); no one wants to pay par for a 2% bond when they can get 3% elsewhere, so its value goes down to about 0.9 of par (not exactly due to the way the arithmetic works but close enough) and Spindoctor shares similarly slide to $90. At this price an investor gets slightly over 2% (coupon*face/basis) plus approximately 1% amortized capital gain (slightly less due to time value) per year so it's competitive with a 3% coupon at par. As you say new bonds are available that pay 3%. But our fund doesn't hold them; we hold old bonds with a face value of $100m but a market value of only $90m. If we sell those bonds now and buy 3% bonds to (try to) replace them, we only get $90m par value of 3% bonds, so now our fund is paying a competitive 3% but NAV is still only $90. At the other extreme, say we hold the 2% bonds to maturity, paying out only 2% interest but letting our NAV increase as the remaining term (duration) and thus discount of the bonds decreases -- assuming the market interest rate doesn't change again, which for 10 years is probably unrealistic (ignoring 2009-2016!). At the end of 10 years the 2% bonds are redeemed at par and our NAV is back to $100 -- but from the investor's point of view they've forgone $10 in interest they could have received from an alternative investment over those 10 years, which is effectively an additional investment, so the original share price of $90 was correct.",
"title": ""
},
{
"docid": "332c0e2dd0ab9fe874874b49d36618da",
"text": "Protest opinions aside. Will taking this away from the team's actually help? The article mentions rent payments they make. Are they actually renting space he owns or do they subsidize it as a sort of here's some extra money type thing? According to the article excluding what they call rent payments leaves about 12 million. Would the economic stimulus from that not out weigh what they would get from cutting him off?",
"title": ""
}
] |
fiqa
|
6cf08a1b4939025eb7b5eb29012218bc
|
Why do some stocks have a higher margin requirement?
|
[
{
"docid": "730d8d90a87f7157f2624f97a1eaf199",
"text": "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 Organizations, the exchange itself, the broker you use, and which margining system you are using. So that makes this a loaded question. There are at least three margin systems, before you have your own risk officer in a glass room that doesn't care how leveraged up you get. Brokers primarily don't want to lose money.",
"title": ""
},
{
"docid": "915530153fe8420174831d635f1a06ce",
"text": "It's about how volatile the instrument is. Brokers are concerned not about you but about potential lawsuits stemming from their perceived inadequate risk management - letting you trade extremely volatile stocks with high leverage. On top of that they run the risk of losing money in scenarios where a trader shorts a stock with all of the funds, the company rises 100% or more by the next day, in which case the trader owes money to the broker. If you look in detail you'll see that many of the companies with high margin requirements are extremely volatile pharmaceutical companies which depend heavily of FDA approvals.",
"title": ""
}
] |
[
{
"docid": "1fb94e8d47ea5630d5154ec36535c97f",
"text": "\"The margin money you put up to fund a short position ($6000 in the example given) is simply a \"\"good faith\"\" deposit that is required by the broker in order to show that you are acting in good faith and fully intend to meet any potential losses that may occur. This margin is normally called initial margin. It is not an accounting item, meaning it is not debited from you cash account. Rather, the broker simply segregates these funds so that you may not use them to fund other trading. When you settle your position these funds are released from segregation. In addition, there is a second type of margin, called variation margin, which must be maintained while holding a short position. The variation margin is simply the running profit or loss being incurred on the short position. In you example, if you sold 200 shares at $20 and the price went to $21, then your variation margin would be a debit of $200, while if the price went to $19, the variation margin would be a credit of $200. The variation margin will be netted with the initial margin to give the total margin requirement ($6000 in this example). Margin requirements are computed at the close of business on each trading day. If you are showing a loss of $200 on the variation margin, then you will be required to put up an additional $200 of margin money in order to maintain the $6000 margin requirement - ($6000 - $200 = $5800, so you must add $200 to maintain $6000). If you are showing a profit of $200, then $200 will be released from segregation - ($6000 + $200 = $6200, so $200 will be release from segregation leaving $6000 as required). When you settle your short position by buying back the shares, the margin monies will be release from segregation and the ledger postings to you cash account will be made according to whether you have made a profit or a loss. So if you made a loss of $200 on the trade, then your account will be debited for $200 plus any applicable commissions. If you made a profit of $200 on the trade then your account will be credited with $200 and debited with any applicable commissions.\"",
"title": ""
},
{
"docid": "9443fc7e998ed1319ccfc06ef4babaf3",
"text": "\"The question mentions a trailing stop. A trailing stop is a type of stop loss order. It allows you to protect your profit on the stock, while \"\"keeping you in the stock\"\". A trailing stop is specified as a percentage of market price e.g. you might want to set a trailing stop at 5%, or 10% below the market price. A trailing stop goes up along with the market price, but if the market price drops it doesn't move down too. The idea is that it is there to \"\"catch\"\" your profit, if the market suddenly moves quickly against you. There is a nice explanation of how that works in the section titled Trailing Stops here. (The URL for the page, \"\"Tailing Stops\"\" is misleading, and a typo, I suspect.)\"",
"title": ""
},
{
"docid": "9c613135e5b27ab8a5f96d0ea3560e5e",
"text": "\"But what happen if the stock price went high and then go down near expiry date? When you hold a short (sold) call option position that has an underlying price that is increasing, what will happen (in general) is that your net margin requirements will increase day by day. Thus, you will be required to put up more money as margin to finance your position. Margin money is simply a \"\"good faith\"\" deposit held by your broker. It is not money that is debited as cash from the accounting ledger of your trading account, but is held by your broker to cover any potential losses that may arise when you finally settle you position. Conversely, when the underlying share price is decreasing, the net margin requirements will tend to decrease day by day. (Net margin is the net of \"\"Initial Margin\"\" and \"\"Variation Margin\"\".) As the expiry date approaches, the \"\"time value\"\" component of the option price will be decreasing.\"",
"title": ""
},
{
"docid": "ff6a6b8b9211bde03bed2c76076b87f7",
"text": "Usually when a company is performing well both its share price and its dividends will increase over the medium to long term. Similarly, if the company is performing badly both the share price and dividends will fall over time. If you want to invest in higher dividend stocks over the medium term, you should look for companies that are performing well fundamentally and technically. Choose companies that are increasing earnings and dividends year after year and with earnings per share greater than dividends per share. Choose companies with share prices increasing over time (uptrending). Then once you have purchased your portfolio of high dividend stocks place a trailing stop loss on them. For a timeframe of 1 to 3 years I would choose a trailing stop loss of 20%. This means that if the share price continues going up you keep benefiting from the dividends and increasing share price, but if the share price drops by 20% below the recent high, then you get automatically taken out of that stock, leaving your emotions out of it. This will ensure your capital is protected over your investment timeframe and that you will profit from both capital growth and rising dividends from your portfolio.",
"title": ""
},
{
"docid": "0cfd6e811ae6aff8da01acafa664047e",
"text": "Because someone smarter than you by 50 IQ points (a quant) will depart their larger position long before you have a chance to see it coming. Your stop losses are useless as the market will open with the issue below your sell price. Your trade even if place at the same mine would settle after theirs. don't piss in the tall grass with the big dogs. If they are wrong or right does not matter you will be haircut or whipsawed.",
"title": ""
},
{
"docid": "7b1f115f7e7215d23a3d4e254c803a6e",
"text": "\"The short answer is that it depends on the industry. In other words, margin alone - even in comparison to peers - will not be a sufficient index to track company success. I'll mention Apple quickly as a special case that has managed to charge a premium margin for a mass-market product. Few companies can achieve this. As with all investment analysis, you need to have a very clear understanding of the industry (i.e. what is \"\"normal\"\" for debt/equity/gearing/margin/cash-on-hand) as well as of the barriers-to-entry which competitors face. A higher-than-normal margin may swiftly be undermined by competitors (Apple aside). Any company offering perpetual above-the-odds returns may just be a Ponzi scheme (Bernie Maddof, etc.). More important than high-margins or high-profits over some short-term track is consistency of approach, an ability to whether adverse cyclical events, and deep investment in continuity (i.e. the entire company doesn't come to a grinding halt when a crucial staff-member retires).\"",
"title": ""
},
{
"docid": "d96eada018190b559af05e3c817086ae",
"text": "Consider the case where a stock has low volume. If the stock normally has a few hundred shares trade each minute and you want to buy 10,000 shares then chances are you'll move the market by driving up the price to find enough sellers so that you can get all those shares. Similarly, if you sell way more than the typical volume, this can be an issue.",
"title": ""
},
{
"docid": "aa196599aea1fbefd2765f38b644ff1f",
"text": "\"This is a good question and my answer below, being the first rationale that crossed my mind, is far from fleshed-out. It's just a reply based on many books on the historical cycles of markets and it's something I've discussed at work (I work in finance). Historically we can observe that periods of financial \"\"booms\"\" entailing high valuations of public equities tend to lead to lower returns. It's a fairly simplistic notion, but if you're paying more now for something - when it's potentially close to a high water mark - then you're returns in the short term are likely to be somewhat stunted. Returns from the underlying companies have a hard time keeping up with high valuations such that investors aren't likely to see a bountiful return in the short run.\"",
"title": ""
},
{
"docid": "c372d42ad4cbdb97645e1f11384d9124",
"text": "\"Some investors worry about interest rate risk because they Additional reason is margin trading which is borrowing money to invest in capital markets. Since margin trading includes minimum margin requirements and maintenance margin to protect lender \"\"such as a broker\"\" , a decrease in the value of bonds might trigger a threat of a margin call There are other reasons why investors care about interest rate risk such as spread trade investors who benefit from difference in short term/ long term interest rates. Such investors borrow short term loans -which enables them to pay low interest- and lend long term loans - which enables them to gain high interest-. Any disturbance between the interest rate spread between short term and long term bonds might affect investor's profit and might even lead to losses. In summary , it all depends on you investment objective and financial condition. You should consult with your financial adviser to help plan for your financial goals.\"",
"title": ""
},
{
"docid": "dfe7cdcbff23350b408f12110c75cf4c",
"text": "Funds can't limit themselves to a small number of stocks without also limiting themselves to a small amount of total investment. I think 25 companies is too small to be practical from their point of view.",
"title": ""
},
{
"docid": "0cc8c705118c1a33d31241664c06f9e3",
"text": "I would think there would be heavy overlap between companies that do well and market cap. You're not going to get to largest market cap without being well managed, or at least in the top percentile. After all, in a normal distribution, the badly managed firms go out of business or never get large.",
"title": ""
},
{
"docid": "f9b021ef7bb5d287f2df29d74a2bf88f",
"text": "For margin, it is correct that these rules do not apply. The real problem becomes day trading funding when one is just starting out, broker specific minimums. Options settle in T+1. One thing to note: if Canada is anything like the US, US options may not be available within Canadian borders. Foreign derivatives are usually not traded in the US because of registration costs. However, there may be an exception for US-Canadian trade because one can trade Canadian equities directly within US borders.",
"title": ""
},
{
"docid": "0a5caacca9c03cc06f281e38db8dad98",
"text": "\"This is a complicated subject, because professional traders don't rely on brokers for stock quotes. They have access to market data using Level II terminals, which show them all of the prices (buy and sell) for a given stock. Every publicly traded stock (at least in the U.S.) relies on firms called \"\"market makers\"\". Market makers are the ones who ultimately actually buy and sell the shares of companies, making their money on the difference between what they bought the stock at and what they can sell it for. Sometimes those margins can be in hundreds of a cent per share, but if you trade enough shares...well, it adds up. The most widely traded stocks (Apple, Microsoft, BP, etc) may have hundreds of market makers who are willing to handle share trades. Each market maker sets their own price on what they'll pay (the \"\"bid\"\") to buy someone's stock who wants to sell and what they'll sell (the \"\"ask\"\") that share for to someone who wants to buy it. When a market maker wants to be competitive, he may price his bid/ask pretty aggressively, because automated trading systems are designed to seek out the best bid/ask prices for their trade executions. As such, you might get a huge chunk of market makers in a popular stock to all set their prices almost identically to one another. Other market makers who aren't as enthusiastic will set less competitive prices, so they don't get much (maybe no) business. In any case, what you see when you pull up a stock quote is called the \"\"best bid/ask\"\" price. In other words, you're seeing the highest price a market maker will pay to buy that stock, and the lowest price that a market maker will sell that stock. You may get a best bid from one market maker and a best ask from a different one. In any case, consumers must be given best bid/ask prices. Market makers actually control the prices of shares. They can see what's out there in terms of what people want to buy or sell, and they modify their prices accordingly. If they see a bunch of sell orders coming into the system, they'll start dropping prices, and if people are in a buying mood then they'll raise prices. Market makers can actually ignore requests for trades (whether buy or sell) if they choose to, and sometimes they do, which is why a limit order (a request to buy/sell a stock at a specific price, regardless of its current actual price) that someone places may go unfilled and die at the end of the trading session. No market maker is willing to fill the order. Nowadays, these systems are largely automated, so they operate according to complex rules defined by their owners. Very few trades actually involve human intervention, because people can't digest the information at a fast enough pace to keep up with automated platforms. So that's the basics of how share prices work. I hope this answered your question without being too confusing! Good luck!\"",
"title": ""
},
{
"docid": "e051c1d68cb00a50ab635c8eee34f5b3",
"text": "That's true. So instead, they brute force the exchange with buy orders before they know if there's even any demand for the equity. Most of these get cancelled. If they see someone else placing a large buy order, they let theirs go through and do not cancel. They meet the ask and get the order because they don't care about getting the best deal. The buy order the HFT sent through is for the entire book. The HFT can then demand the highest price possible. After that, they dump the unsought portion of the book back into the market. Regulation have cracked down on this practice. However, that just means HFT have decided to build their own exchanges. The HFT buy order was placed before they even knew there was anyone else looking for the same buy.",
"title": ""
},
{
"docid": "45647bd5c16b69730e046f75a6a74533",
"text": "Link only answers aren't good, but the list is pretty long. It's a moving target, the requirement change based on a number of criteria. It usually jumps to force you to sell when you hold a losing position, or when your commodity is about to skyrocket.",
"title": ""
}
] |
fiqa
|
25d446c9fa7bcba2122e22adf0983759
|
Are there any rules against penalizing consumers for requesting accurate credit reporting?
|
[
{
"docid": "724f4aa42a46fe16ff32b4f2087a57a4",
"text": "I think you're off base here. The bureaus only remove information if the creditor cannot verify any dispute within 30 days, or if the information's super old. If the creditor can provide corrected information, then the credit bureau is required to apply it to its own database. A dispute can be about the entire account, or it can be about payment status within a given span (or spans) of time. Of course, it's the consumer who has to initiate the dispute.",
"title": ""
},
{
"docid": "f2ae18b2ef3ae9d1111258c6199420f3",
"text": "\"To answer the heart of your question, it would be illegal for any credit bureau or creditor to somehow \"\"penalize\"\" you just for trying to make sure that what's being reported about you is accurate. That's why the Fair Credit Reporting Act exists -- that's where the rights (and mechanisms) come from for letting you learn about and request accurate reporting of your credit history. Every creditor is responsible for reporting its own data to the bureaus, using the format provided by those bureaus for doing so. A creditor may not provide all of the information that can be reported, and it may not report information in as timely a manner as it could or should (e.g., payments made may not show up for weeks or even months after they were made, etc.). The bottom line is that the credit bureaus are not arbiters of the data they report. They simply report. They don't draw conclusions, they don't make decisions on what data to report. If a creditor provides data that is within the parameters of what the bureaus ask to be provided, then the bureaus report precisely that -- nothing more, nothing less. If there is an inaccuracy or mistake on your report, it is the fault (and responsibility) of the creditor, and it is therefore up to the creditor to correct it once it has been brought to their attention. Federal laws spell out the process that the bureau has to comply with when you file a dispute, and there are strict standards requiring the creditor to promptly verify valid information or remove anything which is not correct. The credit bureaus are simply automated clearinghouses for the information provided by the creditors who choose to subscribe to each bureau's system. A creditor can choose which (or none) of the bureaus they wish to report to, which is why some accounts show on one bureau's report on you but not another's. What I caution is, just because a credit bureaus reports on your credit doesn't mean they have anything to do with the accuracy or detail of what is being reported. That's up to the creditors.\"",
"title": ""
},
{
"docid": "f462b06916d07c943fdcbd061e8ed327",
"text": "\"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 initiates a dispute. The safe outcome for the reporting agency is to remove the information in dispute from reports within 30 days if the reporting party does not certify the information is complete and accurate (with other statutory timelines for communication to the customer and the reporter). If you initiate a dispute, then the agency is following the law by deleting the reported information, outside new input from the furnisher. If this is unsatisfactory, you have the following statutory right within § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i (d) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection (b) or (c) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. The section that binds furnishers of information (§ 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2], starting on page 78 in the footer) places on them the following specific duties: (B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if (i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate. ... (2) Duty to correct and update information. A person who (A) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person’s transactions or experiences with any consumer; and (B) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. So there you have it: they have to stop reporting inaccurate information, and \"\"promptly\"\" notify the credit agency once they've determined what is incomplete or inaccurate. I note no specific statutory timeline for this investigation.\"",
"title": ""
}
] |
[
{
"docid": "f701d2150bdb4cf1031c23205676031e",
"text": "Note that this kind of entry on your credit record may also affect your ability to get a job. Basically, you're going on record as not honoring your commitments... and unless you have a darned good reason for having gotten into that situation and being completely unable to get back out, it's going to reflect on your general trustworthiness.",
"title": ""
},
{
"docid": "30901c7d3c65259b32942bbbe49329e5",
"text": "\"According to the Fair Credit Reporting Act: any consumer reporting agency may furnish a consumer report [...] to a person which it has reason to believe [...] intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer See p12 (section 604). The usual interpretation of this that I've heard is that a debt collection agency that owns or has been assigned a debt can make hard pulls on your credit report without your consent. This link seems to support that (and references the same part of the act, among others): According to the Fair Credit Reporting Act, [...], any business can access your credit history without your permission provided the business has a valid \"\"permissible purpose.\"\" The FCRA notes that one such permissible purpose is to review your credit information in connection with the collection of a debt. Thus, if you owe money to a debt collector, the debt collector has the legal right to pull and review your credit report. If they haven't been assigned the debt or own it outright, I believe you have a legal right to dispute it. Consult a lawyer if this is actually a situation you face. Once use for this is if the debt collection agency has trouble locating you; since your credit report normally contains current and past addresses, this is one way to locate you.\"",
"title": ""
},
{
"docid": "5321915957dbd7eed1e4a418570a98a9",
"text": "Generally speaking, when you are asked whether you consent to a credit check, what is implied is that your identifying information is shared to enable that check. Most credit nowadays (credit, mortgage, car lease, even cell phone accounts etc.) is simply unavailable without a credit check.",
"title": ""
},
{
"docid": "cf5e1d8139cc9fd9701f60f3b7da9db8",
"text": "To answer the specific question of whether you can get the bill reduced without hurting your credit, yes, as long as the bill never goes to collections, there's no reason it should ever show up on your credit report. Will they reduce your bill without sending it to collections first? Maybe. All you can do is ask.",
"title": ""
},
{
"docid": "2d658ec44180f29805ca51c8ea691f81",
"text": "If the bad credit items are accurate, disputing the accuracy of the items seems at best, unethical. If the bad credit items are inaccurate, the resolution process provided by each of the 3 credit bureaus, while time consuming, seems the way to go.",
"title": ""
},
{
"docid": "fdde16f02a47c59d0ba7b213478cdd88",
"text": "Oh yes, it is absolutely the problem of the consumers. After all how is the bank to know how it should be doing business unless the customer explains it to them? Please read the other comments about how the customer has verified receipt of some critical document and then they claim that they don't have it. Sure they are very nice on the phone, but that doesn't help when I have to take time out of my work day to call them repeatedly.",
"title": ""
},
{
"docid": "860640df9cc44d389d0eb0b7a084e461",
"text": "Wrong sub. You're looking for /r/personalfinance >will freezing just that credit report hurt them in any way? No, but it will help prevent an identity thief from wrecking your credit. >Can I still get a loan with only one of the three frozen? Depends, but yes. You should freeze your credit at all 5 credit bureaus for personal financial protections.",
"title": ""
},
{
"docid": "ea8d8ca2cbfd0d49d51c3f29710d3c41",
"text": "A landlord or any creditor can still put negative information in your credit report without your social security number - it just takes a bit more sleuthing on their part. If you want perfect credit, either 1. don't break your lease; 2. break it with the written permission of the landlord (by paying some compensation, for example); or 3. break it with legal permission by asking a court to vacate the terms of the lease.",
"title": ""
},
{
"docid": "d7a2a240a86664d6f18364f20a1d5229",
"text": "Specific to the inquiries, from my Impact of Credit Inquiries article - 8 is at the high end pulling your score down until some time passes. As MB stated, long term expanding your credit will help, but short term, it's a bit of a hit.",
"title": ""
},
{
"docid": "c9dc5d9adefc54650c4af8dcbc26666a",
"text": "\"Assuming I don't need any other new lines of credit, can I get pre-qualified repeatedly (and with different banks) with impunity? Yes, but only for a limited period. FICO says: Hard inquiries are inquiries where a potential lender is reviewing your credit because you've applied for credit with them. These include credit checks when you've applied for an auto loan, mortgage or credit card. Each of these types of credit checks count as a single inquiry. One exception occurs when you are \"\"rate shopping\"\". That's a smart thing to do, and your FICO score considers all inquiries within a 45 period for a mortgage, an auto loan or a student loan as a single inquiry. However for your situation, since you won't be getting a loan for several months, getting inquiries more than 45 days apart will each count as a separate inquiry.\"",
"title": ""
},
{
"docid": "98a527b30097928edd73bebb529339ae",
"text": "This discussion indicates that the accounts are not reported to credit agencies, but the post is also over a year old, and who knows how reliable the information is (it's fairly well-traveled, though). It's based on one person calling up Trans Union and E-Trade and asking people directly.",
"title": ""
},
{
"docid": "4d6937810c10c24969fcd83f1852c5c1",
"text": "No credit bureau wants incorrect data, for obvious reasons, but it happens. That's one reason why they let you get access to your credit score, to check it the data is correct and make the 'product' (data about you) better. Nope, that's not why you can get free access to your credit report. The Fair Credit Reporting Act (FCRA) is why. FCRA requires any credit reporting agency to provide you a free report upon request every 12 months. Prior to this law, credit agencies made you pay to see your report including if you wanted it to dispute errors. They only care about the dollars they get from having this data. FCRA removed one of their revenue streams. If free locking moves forward, that will remove another. So expect them to fight it.",
"title": ""
},
{
"docid": "520c3b7c1574bae440ae4717f708e0b5",
"text": "The two things are materially different. Point number 1. With a credit card, the bank (and card network) earn a fee every time you spend on your card. You swipe a $100 dinner, the credit card company makes about $3. You pay it back, they may not make any interest but they've made their $3. Additionally, if you have a $1,000,000 credit limit, you've only actually borrowed $100; which brings me to point number 2. Point number 2. A credit limit of $X is not in any way the same as a loan for $X. When you seek a personal loan, the lender hands you money in equal amount to your loan, less any origination fees that may apply. Your loan for $8,000 results in $8,000 being wired to your account. Your credit limit is only a loan when you actually charge something. Until then its a simple (adjustable) risk limit set by the bank's underwriters. Point number 3. Your credit report contains no income information. It's up to the lender to determine what sort of risk they're willing to take. Some personal lenders are just fine with stated income and employer contact information. Some lenders want to see some pay-stubs. Some lenders will lend $X on stated income but won't lend $X+1 without income verification. Some will lend the money at a lower interest rate if you do prove your income and employment. It's all lender specific. Credit card issuers are clearly lax on the income verification piece of the equation because of points number 1 and 2. Point number 4. If you're getting a loan for your required mortgage down-payment you are a much bigger repayment risk than you realize.",
"title": ""
},
{
"docid": "a6a1efbb3365189d832491c16e1d7abf",
"text": "It may be tempting to be financially lenient with your customers as you start to build business relationships, but doing so may ultimately jeopardize your profitability. Establish clear payment terms on all invoices and documents, including a reasonable penalty (start with eight percent) over the invoice amount if the total is not paid within the standard payment terms.",
"title": ""
},
{
"docid": "7f98231a9dd5399b44298bd3ba912d2a",
"text": "\"you can relate everything on a credit report, and how things are calculated, to life scenarios. thats a 100% fact, and thats what people need to go by when designing their credit dicipline/diet. utilization: any kind of resource in life. water, food, energy, and etc. who would you want to live with more, the guy that just eats way too much, uses way too much energy than they need, and wastes way more water than they need? assuming there was no water cycle. payment history: speaks for itself derogatory remarks: s*** happens. thats what makes life life, but when given chances to fix your mistakes and own up to them, like i and every other responsible adult have done, and you dont, thats living up to the exact definition of derogatory. disrespecting and not caring. who wants to lend to someone who doesnt care? so if youre not gonna care, we will just put this special little remark in the derogatory section and show that you dont care about when you make mistakes. f*** it right? lol. well, thats what that section is for. showing you wont try to fix things when they go sour. if i had a guy who was fixing my roof, and did a bad job, but did everything he could to fix it, i wouldnt give him a bad rep at all. if a guy messed up my roof, and just said cya thanks for your money, hes getting a derogatory remark. credit age: just like life. showing the ability to maintain EVERY other aspect of a report for X amount of time. its like getting old as a person. after X amount of years, a lot of people will be able to say more about you as a person. whether youre a real male reproductive organ or an amazing guy. total accounts: is like taking on jobs as a self employed person or any business. if you have a lot of jobs, people must want you to do their work. it shows how people \"\"like you.\"\" hard inquiries: this is the one category of them all i dont fully agree on, can go either way, and i hate it. i really cant think of a life scenario to relate it to, so i kind of think its a prevention mechanism/keep a person in check kind of thing. like to save them from themself and save the lenders. for example, if a guy has great utilization, and just goes insane applying for credit cards, hell get everyone of them because hes showing almost no utilization. then said guy goes and looses his job, but since he racked up 50 cards at 1k each, now he can destroy 50k in credit. thats just my take, but thats EXACTLY how i look at it from TU/EX/EQs point of view.\"",
"title": ""
}
] |
fiqa
|
19d73044c883c6373bc9f7ce74381cf0
|
Should I pay off my car loan within the year?
|
[
{
"docid": "ab26a4fd6f538c04bfc2f5b70df5e51d",
"text": "Personally, I don't think that the interest from the car loan is worth the credit history you're building through it. There are other ways to build credit that don't require you to pay interest, like the credit card you mentioned (so long as you keep paying off the balance). So I'd go that route: ditch the auto loan and replace it with a line of consumer credit. Just be careful not to overspend because the card will likely have a higher interest rate than your loan.",
"title": ""
},
{
"docid": "37e08839cdf11b0ddd69897437b1b0ad",
"text": "Something I'd like to plant firmly into your mind - If you're able to save up enough money to buy the things you want outright, credit will be of little use to you. Many people find once they've accumulated very good credit scores by use of good financial habits, that they rarely end up using credit, and get little out of having a 'great' credit score compared to an 'average' credit score. Of course, a lot of that would depend on your financial situation, but it's something to keep in mind. As stated by others, and documented widely online, you don't need to make payments on a loan or carry a card balance to build your credit history. Check your credit on a popular site, such as Credit Karma (No affiliation). There, you'll see a detailed breakdown of the different areas of your credit profile that matter; things like: The best thing I could recommend is get a credit line or credit card, and use it responsibly. Carrying a balance will waste money on interest, much like the car payment. Just having it and not over-using it (Or not using it at all) will 'build' your credit history. Of course, some institutions may close your account after X number of years of inactivity. With this in mind, I'd say it's safe to pay off the car loan. Read your agreement and make sure there aren't early termination / early payment fees for this. Edit: There have been notes in the comments section's of question/answer's here about concerns with getting apartment. My two cents here: Most apartments I've seen check your credit for negative marks. Having no credit history, and thus never missing a payment or having a judgement made against you, will likely be enough to get you into most normal-quality apartments, assuming the rest of your application / profile is in order, like: - Good references, if asked for them - At least 2.5x rent payment in gross income etc, things like that. If they really think you're a risk, they may ask for a larger deposit (Though I'm sure in some areas there may be restrictions on whether they can do this, or how much they can do it) and still let you rent there.",
"title": ""
},
{
"docid": "a7f9a07b8ec9ffe76d2b2a478e767f36",
"text": "Contrary to popular belief, you can build your credit (if that is important to you) without paying a penny in interest. This is done through the responsible use of credit cards, paying the bill in full each month without accruing any interest charges. If I were you, I would pay off the loan today, if possible. After that, if you decide you need to build up your credit, apply for a credit card. If you have difficulty with that, you can get a small secured credit card or retail store credit card until you have enough history to get a regular credit card.",
"title": ""
},
{
"docid": "879a2f9d08d157b5b6885499455c88a8",
"text": "Generally, banks will report your loan to at least one (if not all three) credit bureaus - although that is not required by law. The interest you're paying, in addition to your insurance isn't justifiable for building credit. I would recommend paying the car off and then perhaps applying for a secure credit card if you are worried about being rejected. Of course, since you have very little credit, applying for an unsecured card and getting rejected won't hurt you in the long run. If you are rejected, you can always go for a secured credit card the second time. As I mentioned in my comments, it's better to show 6 months of on-time payments than to have no payment history at all. So if your goal is to secure an apartment near campus, I'm sure you're already a step ahead of the other students.",
"title": ""
},
{
"docid": "7e28a61090dd27438f9dca6c582fb29c",
"text": "Your plan isn't bad, but it probably isn't worth the cost for the small amount of credit building it will achieve. If you do decide to continue with it though, you'll save in interest if you make the big payment now rather than in 6 months. In other words, you can take the minimum payment, multiply it by 5, subtract that amount from the total you owe and pay the difference immediately. This way you'll still get the 6 months of reporting to the credit bureaus, but you'll pay less interest since you'll have less principle each month. I would recommend applying for the credit card right now. I believe you'll probably get approved now. If you do, then pay off the car loan without thinking about it. (If you don't get approved, think about it, then probably still pay it off.) Regarding the full coverage insurance, even after the loan is paid off and you aren't required to have it, you may still want to keep it. Even if you're the best driver on earth, if someone hits you and doesn't have insurance, or they have insurance and drive off, or a deer runs in front of you, etc, you'll lose your car and won't be reimbursed. Also, as Russell pointed out in the comments below, without collision coverage your insurance company has no incentive to work on your behalf when someone else hits you, so even if it's not your fault you may still not get reimbursed. So, I wouldn't pass on the full coverage unless your car isn't worth very much or you can stomach losing it if something happens. Good luck, and congrats on being able to pay for a car in full at 19 years old.",
"title": ""
},
{
"docid": "c93a4e0bfe64a572b644d53a87028c0d",
"text": "Typically the power of capitalized interest would work in your favor and you could carry the loan paying it down while investing the original sum which would earn interest. BUT you aren't going to get any sort of return to compare with 15% so pay off that loan immediately. Also contrary to popular belief (and reiterated here) paying off incurred balance on your credit card every month is responsible use of credit but it will not do much for your credit score. The score ultimately means your ability to pay your bills and most importantly your willingness to pay interest, i.e. revolving the borrowed money. At least in the consumer market where the product they want you to buy is paying monthly interest charges.",
"title": ""
},
{
"docid": "e47987fedce704887117e8a35ac05629",
"text": "\"Credit reports have line items that, if all is well, say \"\"paid as agreed.\"\" A car loan almost certainly gets reported. In your case it probably says the happy \"\"paid as agreed.\"\" It will continue to say that if you pay it off in full. You can get the happy \"\"paid as agreed\"\" from a credit card too. You can get it by paying the balance by the due date every month, or paying the mininum, or anything in between, on time. But you'll blow less money in interest if you pay each bill in full each month. You don't have to carry a balance. In the US you can get a free credit report once a year from each of the three credit bureaus. Here's the way to do that with minimal upsell/cross-sell hassles. https://www.annualcreditreport.com/ In your situation you'd probably be smart to ask for a credit report every four months (from each bureau in turn) so you can see how things are going. They don't give you your FICO score for free, but you don't really care about that until you're going for a big loan, like for a condo. It might be good to take a look at one of those free credit reports real soon, as you prepare to close out your car loan. If you need other loans, consider working with a credit union. They sometimes offer better interest rates, and they often are diligent about making credit bureau reports for their good customers; they help you build credit. You mentioned wanting to cut back on insurance coverage. It's a worthy goal, but it's generally called \"\"self-insuring\"\" in the business. If you cancel your collision coverage and then wreck your car, you absorb the cost of replacing it. So think about your personal ability to handle that kind of risk.\"",
"title": ""
},
{
"docid": "db6d12a2336fa5291ef982bbf1c47a58",
"text": "Pay it off....I've only ever paid interest on mortgages to buy the houses I've lived in (I paid both mortgages of years ahead of schedule) & as a result my credit rating's way above average, I use credit cards for everything, pay 'em off in full every month unless I'm paid not to (currently have around 8,000 sitting interest free while the cash earns 6% elsewhere). Life's sweet if you understand the system. Hell if you don't. Keep saving...",
"title": ""
},
{
"docid": "76f88f0cd1824938c0967712aa2c1b41",
"text": "First, don't owe (much) money on a car that's out of warranty. If you have an engine blow up and repairs will cost the lion's share of the car's bluebook value, the entire car loan immediately comes due because the collateral is now worthless. This puts you in a very miserable situation because you must pay off the car suddenly while also securing other transportation! Second, watch for possible early-payment penalties. They are srill lokely cheaper than paying interest, but run the numbers. Their purpose is to repay the lender the amount of money they already paid out to the dealer in sales commission or kickback for referring the loan. The positive effects you want for your credit report only require an open loan; owing more money doesn't help, it hurts. However, interest is proportional to principal owed, so a $10,000 car loan is 10 times the interest cost of a $1000 car loan. That means paying most of it off early can fulfill your purpose. As the car is nearer payoff, you can reduce costs further (assuming you cna handle the hit) by increasing the deductible on collision and comprehensive (fire and theft) auto insurance. It's not just you paying more co-pay, it also means the insurance company doesn't have to deal with smaller claims at all, e.g. Nodody with a $1000 deductivle files a claim on an $800 repair. If the amount you owe is small compared to its bluebook value, and within $1000-2000 of paid off, the lender may be OK with you dropping collision and comprehensive coverage altogether (assuming you are). All of this adds up to paying most of it off, but not all, may be the way to go. You could also talk to your lender about paying say, 3/4 of it off, and refinancing the rest as a 12-month deal.",
"title": ""
}
] |
[
{
"docid": "3c5a9302dc720a0ce0b07887b5d7b754",
"text": "\"Making extra principal payments will reduce the term of your loan. I wouldn't sign up for a biweekly schedule, just do it yourself so you have more flexibility. A simple spreadsheet will allow you to play \"\"What if?\"\" and make it clear that extra principal payments are most effective early in the term of the loan. My wife and I paid off our home in less than 10 years with this approach. Some will say that the opportunity costs of not using that money for something else outweighs the gains. I would say that not having a mortgage has a positive impact on your cash flow and your assets (you own the home), which combine to create more opportunity, not less. That being said, It should be obvious that paying off higher interest debt first is the priority, (Paying off a zero percent interest car loan early is just foolish)\"",
"title": ""
},
{
"docid": "2ae58a5ff9a42bcaf480458f040d5444",
"text": "By paying the $11,000 into the 2.54% loan you will save $23.30 in interest every month. By paying the $11,000 into the 3.625% loan you will save $33.20 in interest every month. If your objective is to get rid of one loan quicker so repayments can go to the other loan to pay off sooner, I would put the $11,000 into the 2.54% loan and pay that off as quick as possible, then put any extra payments into the mortgage at 3.625%. Pay only the minimum amounts into the 0% car loan as this is not costing you anything.",
"title": ""
},
{
"docid": "b0ae376761c4cf328781fca14cbcf687",
"text": "The answer depends entirely on your mortgage terms - is the interest rate low, how many years left? Questions like this are about Cost of Capital. If your mortgage has a low interest for a lot of years, you have a low cost of capital. By paying it off early, you are dumping that low cost of capital. Use the extra money to start a business, invest in something or even buy another property (rental). Whenever you have a low cost of capital, don't rush to get rid of it. Of course, if there are no other investment/business opportunities available and the extra money is going into a low return savings account, you might as well pay down your debt. Or if you lack the self discipline to use the extra money properly - buying flat screens and meals out - then yeah just pay down your debt. But if you're disciplined with the extra money, use it to get access to more capital and make that new capital work for you.",
"title": ""
},
{
"docid": "b3308e4c8f1bb1711105dc3cb749bb0b",
"text": "Here's my take: 1) Having a car loan and paying it on time helps build credit. Not as much as having credit cards (and keeping them paid or carrying balance just enough to be reported and then paying it), but it counts. 2) Can't you set in your bank, not the lender, something to pay the car automagically for you? Then you will be paying it on time without having to think on it. 3) As others said, do read the fine print.",
"title": ""
},
{
"docid": "2bcff75efa64863edad934ea3a368296",
"text": "\"You say \"\"it's expensive\"\". I'm going to interpret this as \"\"the monthly payments are too high\"\". Basically, you need to get your old loan paid off, presumably by selling the car you have now. This is the tough part. If you sold the car now, how much would you get for it? You can use Kelley Blue Book to figure out what the car is roughly worth. That's not a guarantee that it will actually sell for that much. Look in your local classifieds to see what similar cars are selling for. (Keep in mind that you will usually get less for your old car if you trade it in versus sell it yourself.) Now, if you owe more than your car is worth, you're in a really tight spot. If you don't get enough money when you sell it, you are still stuck with the remainder of the loan. In that case, it is usually best to just stick with the car you have, and be more cautious about payments and loan length the next time you finance a car. Penalties: Most car loans don't have any kind of early repayment penalty. However, you should check your loan paperwork just to make sure.\"",
"title": ""
},
{
"docid": "78b7e7d1ebadbacbc9ae26e90af8340f",
"text": "The first thing that strikes me is: Is this a time-limited offer? Because if you can expect the offer to still be valid in a few weeks, why not just wait that month (which will earn you the money) and buy the car then? The second thing you need to consider is obviously the risk that in the interim, there will be an actual emergency which would require the money that you no longer have. The third thing to consider is whether you need the car now. Do you require a car to get around and your current one is breaking down, perhaps even to the point that repairing it would cost you more than buying a new car and it is currently not safe to drive? If so, compare the cost of repairing to the cost of buying; if the difference is small, and the new car would be more likely to be reliable than the old car after spending the money, then it can make sense to buy a new car and perhaps sell the old one in its current condition to someone who likes to tinker. (Even if you only recover a few hundreds of dollars, that's still money that perhaps you wouldn't otherwise have.) The fourth thing I would consider, especially given the time frame involved, is: Can you get a loan to buy the new car? Even if the interest rate is high, one month's worth of interest expense won't set you back very far, and it will keep the money in your emergency fund for if there is an actual emergency in the weeks ahead. Doing so might be a better choice than to take the money out of the emergency fund, if you have the opportunity; save the emergency fund for when that opportunity does not exist. And of course, without knowing how much you earn, take care to not end up with a car that is no more reliable than what you have now. Without knowing how much you earn and what the car you have in mind would cost, it's hard to say anything for certain, but if the car you have in mind costs less than a month's worth of net pay for you, consider whether it's likely to be reliable. Maybe you are making an absolutely stellar pay and the car will be perfectly fine; but there's that risk. Running the car by a mechanic to have it briefly checked out before buying it may be a wise move, just to make sure that you don't end up with a large car repair expense in a few months when the transmission gives up, for example.",
"title": ""
},
{
"docid": "6e5776554e72177e1428313f872537e1",
"text": "\"Thanks for your question. Definitely pay the car down as soon as possible (reasoning to follow). In fact, I would go even further and recommend the following: Why? 1) Make money risk free - the key here is RISK FREE. By paying down the loan now, you can avoid paying interest on the additional amount paid toward principal risk free. Imagine this scenario: if you walked into a bank and they said, \"\"If you give us $100, we'll give you $103 back today\"\", would you do it? That is exactly what you get to do by not paying interest on the remaining loan principal. 2) The spread you might make by investing is not as large as you may think. Let's assume that by investing, you can make a market return of 10%. However, these are future cash flows, so let's discount this for inflation to a \"\"real\"\" 8% return. Then let's assume that after fees and taxes this would be a 7% real after-tax return. You also have to remember that this money is at risk in the market and may not get this return in some years. Assuming that your friend's average tax rate on earned income is 25%, this means that he'd need to earn $400 pre-tax to pay the after-tax payment of $300. So this is a 4% risk-free return after tax compared to a 7% average after tax return from the market, but one where the return is at risk. The equivalent after-tax risk-free return from the market (think T-Bills) is much lower than 7%. You are also reducing risk by paying the car loan off first in a few other ways, which is a great way to increase peace of mind. First, since cars decline in value over time, you are minimizing the possibility that you will eventually end up \"\"under water\"\" on the loan, where the loan balance is greater than the value of the car. This also gives you more flexibility in terms of being able to sell the car at any point if desired. Additionally, if the car breaks down and must be replaced, you would not need to continue making payments on the old loan, of if your friend loses his job, he would own the car outright and would not need to make payments. Finally, ideally you would only be investing in the market when you intend to leave the money there for 5+ years. Otherwise, you might need to pull money out of the market at a bad time. Remember, annual market returns vary quite a bit, but over 5-10 year periods, they are much more stable. Unfortunately, most people don't keep cars 5-10+ years, so you are likely to need the money back for another car more frequently than this. If you are pulling money out of the market every 5-10 years, you are more likely to need to pull money out at a bad time. 3) Killing off the \"\"buy now, pay later\"\" mindset will result in long-term financial benefits. Stop paying interest on things that go down in value. Save up and buy them outright, and invest the extra money into things that generate income/dividends. This is a good long-term habit to have. People also tend to be more prudent when considering the total cost of a purchase rather than just the monthly payment because it \"\"feels\"\" like more money when you buy outright. As a gut check for whether this is a good idea, here is an example that Dave Ramsey likes to use: Suppose that your friend did not have the emergency fund, and also did not have the car loan and owned the car outright. In that case, would your friend take out a title loan on the car in order to have an emergency fund? I think that a lot of people would say no, which may be a good indicator that it is wise to reduce the emergency fund in order to wipe out the debt, rather than maintaining both.\"",
"title": ""
},
{
"docid": "7e06c59eea8e3f8455252689538847b3",
"text": "\"For the mortgage, you're confusing cause and effect. Loans like mortgages generally have a very simple principle behind them: at any given time, the interest charged at that time is the product of the amount still owing and the interest rate. So for example on a mortgage of $100,000, at an interest rate of 5%, the interest charged for the first year would be $5,000. If you pay the interest plus another $20,000 after the first year, then in the second year the interest charge would be $4,000. This view is a bit of an over-simplification, but it gets the basic point across. [In practice you would actually make payments through the year so the actual balance that interest is charged on would vary. Different mortgages would also treat compounding slightly differently, e.g. the interest might be added to the mortgage balance daily or monthly.] So, it's natural that the interest charged on a mortgage reduces year-by-year as you pay off some of the mortgage. Mortgages are typically setup to have constant payments over the life of the mortgage (an \"\"amortisation schedule\"\"), calculated so that by the end of the planned mortgage term, you'll have paid off all of the principal. It's a straightforward effect of the way that interest works in general that these schedules incorporate higher interest payments early on in the mortgage, because that's the time when you owe more money. If you go for a 15-year mortgage, each payment will involve you paying off significantly more principal each time than with a 30-year mortgage for the same balance - because with a 15-year mortgage, you need to hit 0 after 15 years, not 30. So since you pay off the principal faster, you naturally pay less interest even when you just compare the first 15 years. In your case what you're talking about is paying off the mortgage using the 30-year payments for the first 15 years, and then suddenly paying off the remaining principal with a lump sum. But when you do that, overall you're still paying off principal later than if it had been a 15-year mortgage to begin with, so you should be charged more interest, because what you've done is not the same as having a 15-year mortgage. You still will save the rest of the interest on the remaining 15 years of the term, unless there are pre-payment penalties. For the car loan I'm not sure what is happening. Perhaps it's the same situation and you just misunderstood how it was explained. Or maybe it's setup with significant pre-payment penalties so you genuinely don't save anything by paying early.\"",
"title": ""
},
{
"docid": "400acd072aaf20b5a499893d218bb5d5",
"text": "The car has value, but it is still a depreciating asset. You're paying far more to rent a space to park the car than you are to own and drive it if you look beyond the initial term of your loan. You could buy a space to keep the car, but at $225,000 for a permanent spot, renting is a much better deal. Would you travel home as frequently if you didn't have the fixed cost of a parking space rental giving you incentive to make the most of the car since you're paying for it either way? My additional question is whether the freedom to travel home on a whim is worth more than the financial freedom you would gain by investing the money for the long term. I don't think it's irresponsible if the short term freedom contributes significantly to your sense of well-being, but even if it isn't entirely sunk cost, the majority of it is. The only way you can really know whether it's worth it to you would be to park the car at home for a month or two to see if you can live without it. Fortunately you don't lose much money in this experiment, since you're only paying 1.9% interest.",
"title": ""
},
{
"docid": "67e35bdb72a7bf29c81b0b88865805c6",
"text": "\"Neat points but with regards to your first point there is no car financing to \"\"pay off\"\" unless you take on debt. And few Americans have or can easily accumulate the cash in hand to buy a $15K-30K vehicle. Sure, you can definitely live without debt, but buying a home, a car or making other sizable purchases is not possible under such circumstances unless you make a greater than average salary and are remarkably frugal, including an affordable, tenable living situation.\"",
"title": ""
},
{
"docid": "eb1921209412666e7f31f6fd05338c33",
"text": "Since you've already maxed out your 401k and your IRA, if you wanted to invest more-- then it would either be in a brokerage account or a 529 (if you have kids/ intend on going back to school). As to investing versus paying off your loans -- the interest on them are small enough that it will depend on your preference. If you need the cash flow for investment purposes (ie if you are going to buy an investment property) then I would pay off the car loan first -- otherwise I would invest the money. Since you've already expressed that you wouldn't be too interested in paying the mortgage off early, I've left that off the table (I would prioritize car loan over mortgage for the cash flow reason) If you do open a brokerage account -- make sure you are minimizing your taxes by putting the 'right' type of assets in a tax advantaged account.",
"title": ""
},
{
"docid": "908bb1c1bfc0b6588872a25b38b982be",
"text": "I think you are a little confused. If you have 10.000€ in cash for a car, but you decide instead to invest that money and take out a loan for the car at 2,75% interest, you would have to withdraw/sell 178€ each month from your investment to make your loan payment. If you made exactly 2,75% on your investment, you would be left with 0€ in your investment when the loan was paid off. If your investment did better than 2,75%, you would come out ahead, and if your investment did worse than 2,75%, you would have lost money on your decision. Having said all that, I don't recommend borrowing money to buy a car, especially if you have that amount of cash set aside for the car. Here are some of the reasons: Sometimes people feel better about spending large amounts of money if they can pay it off over time, rather than spending it all at once. They tell themselves that they will come out ahead with their investments, or they will be earning more later, or some other story to make themselves feel better about overspending. If getting the loan is allowing you to spend more money on a car than you would spend if you were paying cash, then you will not come out ahead by investing; you would be better off to spend a smaller amount of money now. I don't know where you are in the world, but where I come from, you cannot get a guaranteed investment that pays 2,75%. So there will be risk involved; if the next year is a bad one for your investment, then your investment losses combined with your withdrawals for your car payments could empty your investment before the car is paid off. Conversely, by skipping the 2,75% loan and paying cash for your car, you have essentially made a guaranteed 2,75% on this money, comparatively speaking. I don't know what the going rate is for car loans where you are, but often car dealers will give you a low loan rate in exchange for a higher sales price. As a result, you might think that you can easily invest and beat the loan rate, but it is a false comparison because you overpaid for the car.",
"title": ""
},
{
"docid": "4a114c5d7d6bb11e7b8bd57b1e4ac961",
"text": "\"This is a very complicated thing to try to do. There are many variables, and some will come down to personal taste and buying habits. First you need to look at each of the loans and find out two very important things. Some times you pay a huge penalty for paying off a loan early. Usually this is on larger loans (like your mortgage) but it's not on heard of in car loans. If there is a penalty for early re-payment, then just pay off on the schedule, or at least take that penalty into consideration. Another dirty trick that some banks do is force you to pay \"\"the interest first\"\" when making a early payment. Essentially this is a penalty that ensures you pay the \"\"full price\"\" of the loan and not a lessor amount because you borrowed for less time. The way it really works is complicated, but it's not usually to your benefit to pay these off early either. These usually show up on smaller loans, but better look for it anyway. Next up on the list you need to look at your long term goals and buying habits. When are you going to re-model your kitchen. You can get another loan on the equity of the house, it's much harder to get a loan on the equity of a car (even once the car is paid off). So, depending on your goals you may do better to pay extra into your mortgage, then paying off your other loans early. Also consider your credit score. A big part of it is amount of money remaining on credit lines/total credit lines. Paying of a loan will reduce your credit score (short term). It will also give you the ability to take out another loan (long term). Finally, consider simplification of debtors. If something goes wrong it's much easier to work with a single debtor, then three separate debtors. This could mean moving your car loans into your mortgage, even if it's at a higher interest rate, should the need arise. Should you need to do that you will need the equity in your home. Bonus Points: As others have stated, there are tax breaks for people with mortgages in some circumstances. You should consider those as well. Car loans usually require a different level of insurance. Make sure to count that as well. Taking these points into consideration, I would suggest, paying off the 2.54% car loan first, then putting the extra $419.61 into your mortgage to build up more equity, and leaving the 0% loan to run it's full course. You all ready \"\"paid for\"\" that loan, so might as well use it. Side note: If you can find a savings account or other investment platform with a decent enough interest rate, you would be better served putting the $419.61 there. A decent rate ROTH-IRA would work very nicely for this, as you would get tax deferment on that as well. Sadly it may be hard to find an account with a high enough interest rate to make it a more attractive option the paying off the mortgage early.\"",
"title": ""
},
{
"docid": "e401a8ff82d95f592eab06973e952461",
"text": "While this question is old and I generally agree with the answers given I think there's another angle that needs a little illuminating: insurance. If you go with an 84 month loan your car will likely be worth less than the amount owed for substantially all of the entire 84 month loan period; this will be exacerbated if you put zero down and include the taxes and fees in the amount borrowed. Your lender will require you to carry full comprehensive/collision/liability coverage likely with a low maximum deductible. While the car is underwater it will probably also be a good idea to carry gap insurance because the last thing you want to do is write a check to your lender to shore up the loan to value deficit if the thing is totaled. These long term car loans (I've seen as high as 96 months) are a bear when it comes to depreciation and related insurance costs. There is more to this decision than the interest calculation. Obviously, if you had the cash at the front of this decision presumably you'll have the cash later to pay off the loan at your convenience. But while the loan is outstanding there are costs beyond interest to consider.",
"title": ""
},
{
"docid": "774c77aa1f67de425eee606416932749",
"text": "\"Can you elaborate? What other countries are you talking about? It's definitely not uncommon for publicly funded \"\"healthcare\"\" (unsure why you put this in quotations) to go to corporate revenues / profits. Canada and Switzerland are two examples off the top of my head who use similar systems. Many other countries use a private sector component. \"\"The margins are huge\"\" largely because of government involvement. The bloated Resource-Based Relative Value Scale (RBRVS) standardized payment scheme determines payments for services based on the resource costs estimated by a committee that meets in private (the Relative Value Update Committee). This impractical archaic value system has been adopted by 80% of private insurers, impairing their ability to drive down and offer more competitive prices.\"",
"title": ""
}
] |
fiqa
|
17b7325728fb5ca13fd708da25bbf0e4
|
when will wrinkle in time tickets go on sale
|
[
{
"docid": "bda8f381af29034c76381fdb5c3ec3bb",
"text": "âA Wrinkle in Timeâ Cast List Announced “A Wrinkle in Time” Cast List Announced. LCT is pleased to announce the cast for our Theatre for Youth high school production, A Wrinkle in Time, which opens Sept. 26, and continues Thursdays through Sundays until Oct. 5, in the Veterans Studio Theatre. Tickets go on sale Sept. 9. For the complete cast list, click here. <",
"title": ""
}
] |
[
{
"docid": "85dfa491cd4ec9de574e1c45d3fee288",
"text": "- Presale tickets go on sale Thursday, August 27th at 10am. Tickets go on sale to the general public Friday, August 28th at 10:00am at the Mid-Hudson Civic Center box office, all Ticketmaster locations, charge-by-phone by calling 1-800-745-3000 or online at Ticketmaster.com. Tickets: $5.00, children under 12 $2.00 Tickets may be purchased at the door, day of show.",
"title": ""
},
{
"docid": "8574cfdaac0739d0a6e8d17f989a3a0a",
"text": "- The Price Is Right - 6/23/2016 Season 44, Episode 187 Jun 23, 2016 Free. It's a party on The Price Is Right! And it's happening now! Games include Vend-O-Price, Gas Money and Bargain Game.. Drew Carey hosts.",
"title": ""
},
{
"docid": "ad5d6e422461fa3aa820602eaf192b1c",
"text": "- 2015 Candlelight Ticket Prices. 1 Purchase your Candlelight Christmas Evenings visit by October 15, 2015 on the Biltmore Estate Web site to save up to $15 per ticket on select dates: November 6 - December 17, 2015 and January 1 - 2, 2016. 2 Save $15 Sunday–Thursday: Adult tickets $55; Youth tickets $27.50.",
"title": ""
},
{
"docid": "3c0e6a29df9c6d0cb822e983db8c547f",
"text": "- Discount Tickets from aRes. 1 Get a Universal Studios Hollywood 1-Day Any Day ticket for $102 adult / $96 child (ages 3-9). There is a $2 convenience fee per ticket. Ticket valid through 1/31/18. 2 Get a Universal Studios Hollywood 1-Day Any Day Family Pack – purchase at least 2 adult tickets at $100 per ticket.",
"title": ""
},
{
"docid": "9f7481d8e7d2cdc80147459044b494f8",
"text": "- In honor of Drew’s 10th anniversary hosting the Price Is Right, we're encouraging our audiences to wear/ create Drew- themed shirts! Get free tickets to The Price is Right! The following are some upcoming THE PRICE IS RIGHT taping dates. More dates are listed on our show date grid to the right. Click on Future Dates for more. Have questions? Please email your questions to [email protected]. Please read below to get answers to Frequently Asked Questions. Upcoming Taping Dates:",
"title": ""
},
{
"docid": "53b1fb335e0409a838779d3c8007219b",
"text": "- Tickets for Mickey's Halloween Party 2016 will go on sale to the public on July 28, 2016. Disneyland Resort Annual Passholders, Disney Rewards Visa card holders and Disney Vacation Club members will get access to the pre-sale for Mickey's Halloween Party Tickets on July 21, 2016. Ticket prices range from $72 - $99 per person (adults and children) depending on the date.",
"title": ""
},
{
"docid": "2f927a8df97e9c01ad18a29fb3bc2c3a",
"text": "- We are excited to announce that we have partnered with Dollywood to provide you with single day. admission discount tickets. These tickets are valid: 3/22/2014 – 01/03/2015 (exchange prices increase after April 27th) DMTN Cost: Gate Price: Savings:",
"title": ""
},
{
"docid": "c7fc236bac98408276f7a6eb0fe19799",
"text": "Broncos single-game tickets go on sale Thursday, July 28 Thursday is going to be a big day for Broncos Country. On the same day at the Denver Broncos open their 2016 training camp, single-game tickets for the 2016 season will also go on sale. Full-price and half-price will go on sale at 2 p.m. MT on Thursday, July 28. There will be a limit of four tickets per household and no multiple-game purchases are allowed.",
"title": ""
},
{
"docid": "20592d61b73e04697152064f19927784",
"text": "A Wrinkle In Time Tickets Shipping & Availability. When purchasing Garth Brooks Wichita tickets online, you will be taken to our Garth Wichita tickets page. You will then be able to pick which Garth Brooks Wichita event you would like to purchase. All tickets listed are seated together. All of our Garth Wichita tickets are shipped via UPS. Please note that we do not deliver on Saturday unless that option is specially requested on your order.",
"title": ""
},
{
"docid": "66824073e4e85dc3cd2fb6ce213f6ca5",
"text": "Shania Twain Announces Farewell Tour Tickets for the Rock This Country tour will go on sale to Twain's fans on Tuesday, March 10, and to the general public on Friday, March 13.",
"title": ""
},
{
"docid": "4b730cbea8bac33f536c24970189f432",
"text": "- A new block of tickets for the Broadway smash Hamilton is scheduled to go on sale to the general public starting at 11:10 PM June 12, according to Ticketmaster.",
"title": ""
},
{
"docid": "903f8bea6af18c1087bfb8d3b723882c",
"text": "- When do tickets go on sale for Pearl Jam's 2018 tour? Tickets for Pearl Jam go on sale at 11am on Friday December 8 (TODAY). Tickets cost £83.50, including booking fees. You can buy them on the Ticketetmaster website here.",
"title": ""
},
{
"docid": "87ba8b874cd35bcf2d9329e49ccf63c5",
"text": "A Wrinkle in Time (2018 film) A Wrinkle in Time is an upcoming American science fantasy adventure film directed by Ava DuVernay from a screenplay by Jennifer Lee, and based on the 1962 novel of the same name by Madeleine L'Engle. The film stars Oprah Winfrey, Reese Witherspoon, Mindy Kaling, Gugu Mbatha-Raw, Michael Peña, Storm Reid, Zach Galifianakis, and Chris Pine, and follows a young girl who sets off on a quest, with the help of three astral travelers, to find her father, who went missing after discovering a new ...",
"title": ""
},
{
"docid": "69caeecd88447e671d1c3f85893e9a67",
"text": "- 2016 Ticket OfferEnjoy 14 days of fun for the price of 7, including FastPass+!For arrivals from 1st January 2015 to 31st December 2016Book by 31st December 2016.",
"title": ""
},
{
"docid": "dca0afc59fa1ceb6fad2dabce0403c1a",
"text": "- How much does it cost to go to carowinds? If you are looking for a single day ticket, the price for a regular 2011 ticket is $41.99. The price for a Junior/Senior single day ticket is $24.99. The Twilight tickets (whi…ch are only valid after 4:00pm) are $22.99. Please use the related link and check out the pricing guides on the Carowinds website.",
"title": ""
},
{
"docid": "b9e1793d971cb053e27f0ced830656f5",
"text": "Tweetsie Railroad Announces Season Pass Prices for 2014! The 2014 season ends Sunday, November 2. The park¹s regular hours are 9:00 a.m. to 6:00 p.m., but will be open until 9:00 p.m. on July 4 for the Fireworks Extravaganza and July 5, 12, 19 and 26 for Cool Summer Nights. Daily admission to Tweetsie Railroad is $39 for adults and $26 for children ages 3 through 12. Children 2 and under are admitted free.",
"title": ""
},
{
"docid": "869cc05905b12125c77c4576ce1efb22",
"text": "- When are tickets on sale? Tickets will be on sale at some point in the fall, as they are every year. How much do tickets cost? If price model is the same as last year, single day passes are $45, and the elusive 3-day pass is $95.",
"title": ""
},
{
"docid": "617f23151edcc69f2aaba9f3494f1380",
"text": "- CLOSED. This week at the library: Starting October 2nd, we will be raffling off a Kindle Fire HD 7. Stop at the library and grab your ticket today. Tickets are $5 each or you can get 3 tickets for $10. If you want a chance to curl up to a kindle fire on those cold winter evenings, grab a ticket or two today. The drawing will be held October 30th. Magic: The Gathering game night Wednesday at 4 PM. Ms. Becky's Story Time is a weekly program for pre-school age children.",
"title": ""
},
{
"docid": "37b0696cc084a0af869f4d95727d5174",
"text": "- On Sale Information. A limited number of Early Bird Tickets and VIP Tickets go On-Sale through SCI Ticketing on Tuesday, June 23, 2015 at 11am MDT / 1pm EDT with tickets starting at $179. The price will increase to $199 when the first limited allotment is sold out.",
"title": ""
},
{
"docid": "1cc72ee7fccac598c6222f2550bb5a7a",
"text": "How To Get The Next Yeezy Boost Sneakers CET on June 11. A limited number of pairs will be available online. Customers need to make an account on the FootLocker.eu site prior to purchasing. The shoes will go on sale online at 10 a.m. local time. NRML: The Ottawa, Canada, store will be giving out raffle tickets from 10 a.m.-2 p.m. on June 10 at its store. One ticket is allowed per customer. Winners will be randomly selected and can retrieve and purchase their shoes on June 11 by store closing.",
"title": ""
},
{
"docid": "d13e893a62f452e5e3b99f434c670a4a",
"text": "SHINee and I.O.I Join KCON 2016 Los Angeles Lineup KCON will continue announcing more artists for the 2016 Los Angeles lineup during its weekly #KCONLiveChat at 8/7c on Thursdays. Check back to Fuse every week for the latest artist announcements too. Tickets for KCON New York (on June 24 and 25 at the Prudential Center in Newark, NJ) are on sale now. Tickets for the LA date (from July 29-31 at the city's famed Staples Center) go on sale beginning June 3. Prices range from $50 to $250 for single tickets and $800 for platinum ticket that offers access to all concerts and the convention.",
"title": ""
},
{
"docid": "20af9a329fe09506534ea83d19331b6b",
"text": "Brantley Gilbert ISU Hulman Center Terre Haute Tickets ISU Hulman Center will be where you can see Brantley Gilbert. ConcertFix gives you plenty of available tickets that start at just $45.00 for the 218 section and range up to the most expensive at $499.00 for the PIT G.A. section. The event will take place on April 27, 2018 and is the only Brantley Gilbert concert scheduled at ISU Hulman Center as of today.",
"title": ""
},
{
"docid": "6630e3ed4e7696e76d9f8d481e714330",
"text": "A Wrinkle in Time ( 2018) Get A Wrinkle in Time DVD and Blu-ray release date, trailer, movie poster and movie stats. A new kind of space travel has been discovered, and Meg's scientist father is at the forefront of the new developments. But then he disappears, leaving her to solve...",
"title": ""
},
{
"docid": "15237eb5936ba03f71c6f5ebe4591cc0",
"text": "- Minot, N.D. Pre-sale tickets for The Black Eyed Peas benefit concert scheduled for Saturday, Sept. 3 at the North Dakota State Fair Grandstand go on sale starting Monday, August 8 at 3 p.m. until Wednesday, August 10 at 3 p.m. Cost of a ticket is $100 plus ticket fees for either standing room or reserved seating.",
"title": ""
},
{
"docid": "7dae41cf092d67103e4cd13344c87558",
"text": "Idina Menzel American Express® card members can purchase tickets before the general public beginning Monday, Dec. 1 at 10 a.m. local time through Thursday, Dec. 4 at 10 p.m. Called “the Streisand of her generation” by The Denver Post, Menzel has captivated audiences at sold-out concerts around the world. Throughout the tour, Menzel will lead audiences through a special journey of classic pop, musical theater favorites and her own personal catalogue.",
"title": ""
}
] |
msmarco_passage
|
6ef7ec0d1d87a578db95802bd7a09e67
|
oakdale is in what county
|
[
{
"docid": "d959779cb808784fb1f7db3f6d0f5a83",
"text": "- Oakdale, CA. Online Offers. Oakdale is a city in Stanislaus County, California, United States.It is part of the Modesto Metropolitan Statistical Area. The city was founded in 1871 when the Stockton & Visalia Railroad met the Copperopolis Railroad. The population was 20,675 at the 2010 census, up from 15,503 at the 2000 census.",
"title": ""
}
] |
[
{
"docid": "9ae2e2f96952565c3148bac4de1665a1",
"text": "Bluffdale, Utah Bluffdale, Utah. Bluffdale is a city in Salt Lake and Utah counties in the U.S. state of Utah, located about 20 miles (32 km) south of Salt Lake City. As of the 2010 census, the city population was 7,598.",
"title": ""
},
{
"docid": "8d087a435e3b8f0da7f933f4472d97ce",
"text": "Oak Island Oak Island is a 57-hectare (140-acre) island in Lunenburg County on the south shore of Nova Scotia, Canada.he tree-covered island is one of about 360 small islands in Mahone Bay and rises to a maximum of 11 metres (36 feet) above sea level.",
"title": ""
},
{
"docid": "d6f20c7de91e44d92fdad3758fadb63b",
"text": "- Located in the heart of Westchester County on Central Avenue in Scarsdale, we offer duplicate games seven days a week and courses all five weekdays. Mike & Sylwia. We are world bronze medalist players, ACBL accredited teachers, and ACBL certified directors.",
"title": ""
},
{
"docid": "fbb20425336d5407751cc0733339f06d",
"text": "- Oakton is a census-designated place (CDP) in Fairfax County, Virginia, United States. The population was 34,166 at the 2010 census. Oakton is an affluent community in Northern Virginia. Its center is 16 miles (26 km) west of Washington, D.C.",
"title": ""
},
{
"docid": "3c51c4bd344ce0114234c96499eae169",
"text": "- Oak Island is a 57-hectare (140-acre) privately owned island in Lunenburg County on the south shore of Nova Scotia, Canada. The tree-covered island is one of about 360 small islands in Mahone Bay and rises to a maximum of 11 meters (36 feet) above sea level.",
"title": ""
},
{
"docid": "15d9c70178ad27730c056039b5869e35",
"text": "- Allendale Charter Township. The Ottawa County Department of Veterans Affairs continues to provide services to the veterans of Ottawa County. The office is located on the Ottawa County Human Services Campus in Holland in the Health Department Building. It is co-located with the Ottawa County Community Action Agency.",
"title": ""
},
{
"docid": "a290c4c62918b6cc258d5cea3ffee459",
"text": "Oaktown, IN Profile: Facts, Map & Data The primary coordinate point for Oaktown is located at latitude 38.8717 and longitude -87.4412 in Knox County. The formal boundaries for the Town of Oaktown (see map below) encompass a land area of 0.27 sq. miles and a water area of 0 sq. miles. Knox County is in the Eastern time zone (GMT -5).",
"title": ""
},
{
"docid": "4cb4d23880982364610628b55d723dc5",
"text": "Oak Ridge, NC Oak Ridge is located close to the center of North Carolina. Oak Ridge is part of Guilford County. Oak Ridge has 15.38 square miles of land area and 0.14 square miles of water area. As of 2010-2014, the total Oak Ridge population is 6,435, which has grown 61.36% since 2000. The population growth rate is much higher than the state average rate of 21.13% and is much higher than the national average rate of 11.61%.",
"title": ""
},
{
"docid": "51edabb0168368deaff27eb178be156c",
"text": "- Back by popular demand! Oakdale: America s Hometown T-Shirts and Polo Shirts (NEW FOR 2015!) are available for sale at the Borough Office (Monday-Thursday: 8:30am - 4:30pm; Friday: 8:30am - 12:00pm).",
"title": ""
},
{
"docid": "5d1be4f27bee2db43f67853beeff4505",
"text": "OAK HILL, TX (TRAVIS COUNTY) OAK HILL, TX (TRAVIS COUNTY) OAK HILL, TEXAS (Travis County). Oak Hill, on U.S. Highway 290 and Williamson Creek, eight miles southwest of Austin in southwestern Travis County, was originally called Live Oak Springs. In 1865 an attempt was made in the community to establish a town called Shiloh, but the effort was unsuccessful. Schools called Live Oak and Oatmanville also gave their names to the community for a time.",
"title": ""
},
{
"docid": "b910e7198676fa0c45ca72989650b37b",
"text": "Maps Oakhurst Area Chamber of Commerce. Flash Goes Here. Nestled in the Southern Sierras just outside of the South Gate to Yosemite National Park is Eastern Madera County, the official geographical center of California, covering the portion of Madera County east from the base of the foothills at Route 145 into the High Sierra Mountains.",
"title": ""
},
{
"docid": "a40398fe665cb309035ea6c4c76a0c1e",
"text": "- Content from the Wikipedia article Oak Lawn Township, Crow Wing County, Minnesota (contributors) licensed under CC-BY-SA.ontent from the Wikipedia article Oak Lawn Township, Crow Wing County, Minnesota (contributors) licensed under CC-BY-SA.",
"title": ""
},
{
"docid": "f66e019bf3fcb116617e712a090f479c",
"text": "Oakdale, Louisiana According to the United States Census Bureau, the city has a total area of 5.3 square miles (13.6 km 2), of which 5.2 square miles (13.4 km 2) is land and 0.077 square miles (0.2 km 2), or 1.18%, is water. Oakdale's closest neighbor in Allen Parish is Elizabeth, located just west of Oakdale.",
"title": ""
},
{
"docid": "98a69e64fb83763608993a72cd52c3e4",
"text": "Riverdale, Georgia Riverdale, Georgia. Riverdale is a city in Clayton County, Georgia, United States. The population was 15,134 at the 2010 census, up from 12,478 in 2000. Riverdale is a suburb just south of Hartsfield–Jackson Atlanta International Airport and is part of the Atlanta metropolitan area.",
"title": ""
},
{
"docid": "59d3d9137a1ca9b26d47f1eebc557bce",
"text": "Oakhurst, Fresno County, California Oakhurst, Fresno County, California. Oakhurst is a former settlement in Fresno County, California. It was located on the Atchison, Topeka and Santa Fe Railroad 5.25 miles (8.4 km) southwest of Piedra, at an elevation of 436 feet (133 m). It still appeared on maps as of 1923.",
"title": ""
},
{
"docid": "c3d5ccce17c8ce065954af07fd81e516",
"text": "Cloverdale, California Cloverdale is a city in Sonoma County, California, United States. The San Francisco and North Pacific Railroad reached Cloverdale in 1872. The Cloverdale Rancheria of Pomo Indians of California is headquartered here. The population was 8,618 at the 2010 census.",
"title": ""
},
{
"docid": "7a108adbc1cc8d7e12caeab1ee4ab5b2",
"text": "Coaldale, Schuylkill County, Pennsylvania Coaldale, Schuylkill County, Pennsylvania. Coaldale is a borough in Schuylkill County, Pennsylvania, United States. Settled in 1827, it was incorporated in 1906 from part of the former Rahn Township; it is named for the coal industry—wherein, it was one of the principal early industry centers.",
"title": ""
},
{
"docid": "171fd1606bf0e961f230e6f4f6a90377",
"text": "humus Inflection[edit] Second declension, with locative. humus is one of a handful of common nouns that take the locative case (humī); other such nouns include domus and rūs. Also, irregular ablative singular humu once used by Varro.",
"title": ""
},
{
"docid": "f8fcddb80f015fd78d00277a7870fccd",
"text": "Oak Park Sponsored Topics. Oak Park is a census-designated place located in the Simi Hills, in Ventura County, California. As of the 2010 census, Oak Park had a population of 14,266, up from 14,225 at the 2000 census. It is located in the Conejo Valley, north from Malibu and Agoura Hills and is a part of Ventura County.",
"title": ""
},
{
"docid": "a0bb06aab5a9de13cdb6c813aa3ef8f1",
"text": "Oak Park, Michigan Pedestrian plazas over Interstate 696 in Oak Park. Oak Park is a city in south Oakland County of the U.S. state of Michigan. It is a northern suburb of the city of Detroit, which is located in neighboring Wayne County, and part of its metropolitan area. As of the 2010 census, the population of Oak Park is 29,319. 1 History.",
"title": ""
},
{
"docid": "0ac6e558a834258c69cb0fcf8c148f31",
"text": "Oakdale School Oakdale School. Address: 225 Clifty Creek Road Oakdale, TN 37829 Phone: (423) 369-3885 Fax: (423) 369-2821 Mission Statement: The mission of Oakdale School is to create an environment that challenges students to be responsible, accountable, and productive citizens.",
"title": ""
},
{
"docid": "1e6e0f778d1f7df8686917af7eaea484",
"text": "- Oak Ridge township, Guilford County, NC - view area data like population, house unit, etc. Show Oak Ridge township on the map, create and download custom graphs for Oak Ridge township, explore neighboring areas of Oak Ridge township, measure distance between Oak Ridge township and other areas, and more.",
"title": ""
},
{
"docid": "90542c7a11450484a7a46680133f87c8",
"text": "Oakwood, Georgia Oakwood is a city in Hall County, Georgia, United States. It is part of the Gainesville, GA Metropolitan Statistical Area. The population was 3,970 at the 2010 census. Oakwood is home to the University of North Georgia Gainesville Campus and Wayne Farms.",
"title": ""
},
{
"docid": "813b67c204f9d18f0888618b10a259a5",
"text": "- Pollution Prevention in Auto Body and Paint Shops, September, 2006 Hazardous Waste Management Auto body shops typically generate several kinds of potentially hazardous waste, including waste solvent and coatings, contaminated rags, wipes, and absorbents, empty containers, used oil, waste antifreeze, sanding or grinding dusts, and con-",
"title": ""
},
{
"docid": "6adc12ed2f033bb15a5e8224febd8b3d",
"text": "Oakdale, Pennsylvania The per capita income for the borough was $21,392. About 2.9% of families and 2.6% of the population were below the poverty line, including 2.9% of those under age 18 and 1.1% of those age 65 or over. Oakdale Borough was incorporated in 1892. On May 18, 1918 a TNT explosion in a local chemical factory killed 200 people.",
"title": ""
}
] |
msmarco_passage
|
bd47710b4fc5ff18ac0903e3dbf515da
|
where is standard meridian located
|
[
{
"docid": "f24e59c4fa71610ebc81edf5ff57fea8",
"text": "- The time along the Standard Meridian is taken as the Indian Standard Time. The Standard Meridian of India passes through Mirzapur in UP which is located at 82°30’ east. The time lag between Arunachal Pradesh (in the east) and Gujarat (in the west) is about 2 hours.",
"title": ""
}
] |
[
{
"docid": "5c21220bb3c0b8f7adff3cd374c1cc57",
"text": "- The zero degrees longitude line is called the Prime Meridian. When the Prime Meridian is combined with the meridian of 180 degrees longitude, the two meridians together fo … rm a circle that divides the Earth into the Eastern and Western Hemispheres.",
"title": ""
},
{
"docid": "6277dd026bc14293ae6e18ea8b2c43a1",
"text": "Arm and Hand Acupressure Points On the Lung meridian, located 1.5 cun above the wrist crease, superior to the styloid process of the radius. Generally found by sliding your finger from the thumb side of your wrist crease over the styloid process and press where sore. ¤ Uses: cold symptoms (sneezing, chills, runny nose), sore throat.",
"title": ""
},
{
"docid": "c088bdb02fda736267cb9b8e3fe517f1",
"text": "What is the Prime Meridian? - Definition, Facts & Location Lines of Longitude define how far east or west a location is from the Prime Meridian, the focus of this lesson. The Prime Meridian is an imaginary line that, similar to the equator, divides the earth into eastern and western hemispheres. It is sometimes referred to as the Greenwich Meridian. All lines of latitude and longitude are measured in degrees.",
"title": ""
},
{
"docid": "6e2c4c36d834b6d877d2daee1431ba5c",
"text": "Montana meridian Montana meridian. (Redirected from Montana Meridian) The Montana meridian extends north and south from the initial monument on the summit of a limestone hill, 800 feet (244 meters) high, longitude 110° 39′ 33″ west from Greenwich, and, with the base line on the parallel of 45° 47′ 13″ north latitude, governs the surveys in the state of Montana.",
"title": ""
},
{
"docid": "b9d4c5eadc85380c753d55f335e7ff1e",
"text": "What To Do If A Bully Targets You However, the subtler form of bullying in which co-workers engage in social isolation of the target proved highly stressful as well. If you've ever been ostracized, you know how painful it can be. You assume that the shunning is somehow your fault.nfortunately, the more you question yourself, the more you feel you deserve to be left out, and the more your doubts become self-perpetuating. Also unfortunately, social isolation may be stage 1 of what your co-workers have planned for you, and over time their behavior becomes even more abusive.",
"title": ""
},
{
"docid": "60ae7441a5c7448bc2574c545a786297",
"text": "- The International Date Line (IDL) is an imaginary line of longitude on the Earth’s surface located at about 180 degrees east (or west) of the Greenwich Meridian. Time Zone Map showing IDL. The international date line.",
"title": ""
},
{
"docid": "ad3e665b1cd693d38db22449530aa71a",
"text": "UTM The latitude specifies a location's distance north or south of the equator. The longitude specifies the location's distance east or west from an imaginary line connecting the North and South Poles, called the Prime Meridian.",
"title": ""
},
{
"docid": "b2726512e04731f3dd0e5d4339059796",
"text": "Circles of Latitude & Longitude - The Equator, The Prime Meridian, The Tropic of Cancer and Capricorn The Equator is the parallel line located at 0°00’00”. It is identified as the latitude that falls at the point that is equidistant from the North Pole and the South Pole. The Equator’s covers a distance on the Earth’s surface approximately 24,901 miles long.",
"title": ""
},
{
"docid": "9b2da69557f7bc2590d8843bcff04177",
"text": "- The time meridian is each standard time zone roughly centered on a line of longitude exactly divisible by 15 degrees and the prime meridian is the starting point for the stand … ard time zones an arbitrary longitude line.he starting line of the parallels or lines of latitude is the Equator which is given a value of … 0 degrees. From the lines of latitude extend North and South around the earth. Thus, each latitude refers to a distance north or south of the Equator(0degree).",
"title": ""
},
{
"docid": "3e13aeff41c7bdede9e15ee9e91db043",
"text": "Latitude and Longitude General Information The Prime Meridian is the alpha and omega of the lines of longitude, called meridians. They run perpendicular to lines of latitude, and all pass through both poles. Each longitude line is part of a great circle. There is no obvious zero degree point for longitude, as there is for latitude.",
"title": ""
},
{
"docid": "0a3296e692e6fa704f4cc0cb0f301654",
"text": "What Countries Do the Prime Meridian Pass Through? Greenwich was selected as the prime meridian by the majority of 41 delegates at the international conference in Washington, D.C. However, the United Kingdom and the United States were already using Greenwich as the starting point before the official designation.",
"title": ""
},
{
"docid": "eb0c97aab62a1d520e3e69d01e159dd3",
"text": "- These are known as the twelve different energy meridians of the body, which can be further categorized into five elements: Water, Metal, Fire, Earth, and Wood. Founded in 1993, Meridian has 24 employees, including 16 brokerage professionals, engaged in a broad range of real estate transactional and consulting services.",
"title": ""
},
{
"docid": "dc1380dd2eb95efac12a7997cb693efa",
"text": "Basic Map Reading (Latitude â Longitude) It is angular distance measured east and west of the Prime Meridian (which has been arbitrarily set at Greenwich, England). The prime meridian is 0 degrees longitude. As you go east from the prime meridian, the longitude increases to 180 degrees.",
"title": ""
},
{
"docid": "30d4b9d847fc69d46c389763cc9dc437",
"text": "Discover the Major Lines of Latitude and Longitude on a World Map The equator is located at zero degrees latitude. The equator runs through Indonesia, Ecuador, northern Brazil, the Democratic Republic of the Congo, and Kenya, among other countries.he reason for the location of the Tropic of Cancer and the Tropic of Capricorn at 23.5° north and south respectively is due to the axial tilt of the Earth. The Earth is titled 23.5 degrees from the plane of the Earth's revolution around the sun each year.",
"title": ""
},
{
"docid": "a791e0d7aec84f88c9253987fe1172b9",
"text": "Universal Transverse Mercator coordinate system Locating a position using UTM coordinates[edit] A position on the Earth is given by the UTM zone number and the easting and northing planar coordinate pair in that zone. The point of origin of each UTM zone is the intersection of the equator and the zone's central meridian. To avoid dealing with negative numbers, the central meridian of each zone is defined to coincide with 500000 meters East.",
"title": ""
},
{
"docid": "801cab082784a4581023015ce2367705",
"text": "Movable Type Scripts Within each longitudinl zone the transverse mercator projection is used to give co-ordinates (eastings and northings) in metres. For the eastings, the origin is defined as a point 500,000 metres west of the central meridian of each longitudinal zone, giving an easting of 500,000 metres at the central meridian. For the northings in the northern hemisphere, the origin is defined as the equator. For the northings in the southern hemisphere, the origin is defined as a point 10,000,000 metres south of the equator.",
"title": ""
},
{
"docid": "55b4d6cf2ae35a574502a0115d356d31",
"text": "- Willamette Meridian. The Willamette Meridian was established in 1851, and extends from the Canadian border to the northern state line of California. The baseline runs east/west through northern Oregon from the Pacific Ocean to the Idaho state line, and was established so as not to pass through the Columbia River.",
"title": ""
},
{
"docid": "ffb676f11064e526698129faeee6e812",
"text": "Map Projection Overview UTM zone numbers designate 6 degree longitudinal strips extending from 80 degrees South latitude to 84 degrees North latitude. UTM is a conformal projection, so small features appear with the correct shape and scale is the same in all directions. (all distances, directions, shapes, and areas are reasonably accurate).",
"title": ""
},
{
"docid": "cf461326b938529b4619eae317af696d",
"text": "33rd parallel south 33rd parallel south. The 33rd parallel south is a circle of latitude that is 33 degrees south of the Earth's equatorial plane. It crosses the Atlantic Ocean, Africa, the Indian Ocean, Australasia, the Pacific Ocean and South America. Around the world.",
"title": ""
},
{
"docid": "7c5f494e86f811c201e45009a4463d9d",
"text": "Union Pacific Railroad Directors of the Union Pacific Railroad gather on the 100th meridian, which later became Cozad, Nebraska, approximately 250 miles (400 km) west of Omaha, Nebraska Territory, in October 1866.",
"title": ""
},
{
"docid": "e23a96d96bc0a4ba806d6c7d468156a6",
"text": "What line divides the 4 hemispheres? The Prime Meridian is the meridian (line of longitude) at which the longitude is defined to be 0°. The Prime Meridian and its opposite the 180th meridian (at 180° longitude), which the International Date Line generally follows, form a great circle that divides the Earth into the Eastern and Western Hemispheres. The Equator is the line of latitude at which the latitude is defined to be 0°.",
"title": ""
},
{
"docid": "8a89f706c4193db8c11d6253d3dc5825",
"text": "DIY: Measuring Latitude and Longitude Latitude is your position north or south of the Equator. Lines, or parallels, are drawn around the Earth at intervals. The North Pole is assigned the latitude 90º north and the South Pole latitude 90º south. Lines of longitude, or meridians, are drawn a little differently. The line of longitude corresponding to 0º, which passes through Greenwich in London, is called the Prime (or Greenwich) Meridian.",
"title": ""
},
{
"docid": "f9eb26fec92bd00a343b9d594a73150e",
"text": "The Equator Explained The beginning point for measuring latitude lines is the Equator. It is located at zero degrees and marks the dividing point between the north and south hemispheres. The zero-degree longitude line runs through Greenwich, England and is called the prime meridian. The prime meridian and the equator intersect in the South Atlantic Ocean. Why is the equator important? The equator is the point where we divide the north and south hemispheres.",
"title": ""
},
{
"docid": "9e83f53fe6785dc39e836ddf3f5a6afb",
"text": "- Time in Meridian, Mississippi. Current local time in Meridian, Lauderdale County, Mississippi, Central Time Zone - daylight saving time change dates 2017. Local Time in Meridian, MS. 06:50:13 PM, Sunday 16, April 2017 CDT 24 hours.",
"title": ""
},
{
"docid": "600cd03cfcb7d962d04655fa385d94ad",
"text": "Gravity Falls The series follows the adventures of Dipper Pines (voiced by Jason Ritter) and his twin sister Mabel (voiced by Kristen Schaal) in the fictional town of Gravity Falls, Oregon, while on summer vacation.",
"title": ""
}
] |
msmarco_passage
|
8776b08b2b9ba122133609aa67c387f4
|
what is cumin used for
|
[
{
"docid": "252dda426fe2963123e75d6d5951a9f1",
"text": "- Cumin seeds are used as a spice for their distinctive aroma, popular in North African, Middle Eastern, Western Chinese, Indian, Cuban and Mexican cuisine. Cumin's distinctive flavour and strong, warm aroma is due to its essential oil content.",
"title": ""
}
] |
[
{
"docid": "2c33c83cc12bcb022dd99815cbd98bb1",
"text": "Cumin ( Cuminum cyminum L.) Cumin (Cuminum cyminum L.) Although cumin is amongst the most used spices, world-wide, it is nevertheless surprisingly difficult to take photos of the cumin plant: In the three years which I spent in India, I have seen only once a herb that could have been a cumin plant.",
"title": ""
},
{
"docid": "03332b2575953bf6f5df41bcd791b2dd",
"text": "- Cumin is used both as seeds and ground. The seeds resemble caraway, which isn't a surprise because the herb is closely related to both caraway and parsley. As with most spices, for optimum flavor you should buy the whole seeds and grind them into a powder yourself with a mortar and pestle.",
"title": ""
},
{
"docid": "d3b762fda728e89ba26f9d42df38a748",
"text": "What is Cumin? Cumin is a flowering plant that has been grown as a spice since ancient times. It's a member of the Apiacea family and grown natively in the eastern Mediterranean region and east of India. Cumin requires a hot climate for growth. Its flowers are small and can be either white or pink in color.",
"title": ""
},
{
"docid": "2a89d2d7acee5926eebcf158494ccc09",
"text": "- Cambridge OH Weather Cambridge, OH current conditions with daily summary and 5 Day forecast. Local information is offered on humidity, precipitation, barometric pressure, heat index, wind chill, hourly forecast, sunrise, sunset, wind speed with direction, along with high and low temperatures presented in Fahrenheit and Celsius.",
"title": ""
},
{
"docid": "47fe89f1f25ddf07df712a8cad22c126",
"text": "What is cumin and how would you use it in cooking? The spice is especially associated with Indian cuisine and predominantly used throughout India. Cumin is the seed of a small umbelliferous plant. The seeds come as paired or separate carpels, and are 3-6mm (1/8-1/4 in) long.",
"title": ""
},
{
"docid": "052ef7489bc45e3a534d663fc89a0370",
"text": "28 REASONS WHY YOU NEED BLACK SEED (NIGELLA SATIVA) Benefits of Black Cumin. 1. Dermatological Uses of Black Seeds. Black seed oil is an excellent source of vitamin E thus can be applied externally on the skin for treating skin diseases like dry skin, burn marks, rashes, wrinkles, pimples, psoriasis, boils, eczema, acne and black spots.",
"title": ""
},
{
"docid": "cc23751d00662f64c05cb28429802c6d",
"text": "- Black seed is now becoming more well known in the West and is valued as one of the most excellent sources of the essential fatty acids that are vital to health. According to Dr. Duke, the constituents in black cumin oil have been shown to have health benefits for: Stomach aches, asthma, bronchitis, coughs, and fevers.",
"title": ""
},
{
"docid": "69dc1c3f44d814c30cd56597729cbb6b",
"text": "The Commonly Used Indian Spices Cumin Seeds (Jeera): Cumin or Jeera is a very commonly used spice all over India. Known for its warm earthy aroma, it is used in the raw form, or cooked in hot oil or ghee to release its aroma. Sometimes the raw seeds are ground and sometimes the seeds are briefly roasted in the skillet and ground into a powder.oth are used in Indian cuisine. The seeds are usually used in the ground form to be a part of various spice mixes, like Garam Masala, Sambar Powder etc. Coriander Powder: Coriander seeds are ground to make coriander powder.",
"title": ""
},
{
"docid": "d4218740896ea9e15da189bc152f9dcf",
"text": "- According to Mountain Rose Herbs: “ Cumin is the seed of a small plant in the parsley family. Its use goes back 5000 years to the Egyptians, who used it not only as a spice but as an ingredient in the mummification process. The Greeks and Romans also used cumin and highly regarded it as one of the essential spices.umin is a good source of Iron, Manganese, and other vitamins and minerals. Some research shows that cumin can stimulate the production of pancreatic enzymes and help digestion. One study found that cumin was protective against memory loss and the damaging effects of stress on the body.",
"title": ""
},
{
"docid": "0fdad1d1915e130c1a9b3684be4639fc",
"text": "- Add whole cumin to long-cooking dishes such as beans and use toasted and ground cumin or powdered cumin to season grilled fish or meat for tacos or tostadas. A spice grinder or coffee grinder works well for grinding toasted cumin.",
"title": ""
},
{
"docid": "a33d9eacfb4963efe807587062832d0f",
"text": "- Black Seed, also known as Nigella Sativa and black cumin, has been called the Blessed Seed for its miraculous curing ability.... Baldness and Hair Loss Remedies Using Black Cumin (Nigella Sativa). Nigella sativa, also known as black cumin is known to treat thinning of hair, baldness and falling hair.",
"title": ""
},
{
"docid": "d645fbcb930724eef3983121378be3d0",
"text": "- If so, you noticed that there's a lot of cumin in curry powder! In addition to India's curries, cumin is also a component in the garam masala spice blend. Cumin is common in Mexican cooking, often used in tandem with chili powder — in fact, most pre-packaged chili powder you buy at the supermarket has cumin in it.The Szechuan region of China utilizes cumin, and the Dutch put cumin in Leyden cheese. When we said cumin's been used for milennia, we weren't kidding.umin is used both as seeds and ground. The seeds resemble caraway, which isn't a surprise because the herb is closely related to both caraway and parsley. As with most spices, for optimum flavor you should buy the whole seeds and grind them into a powder yourself with a mortar and pestle.",
"title": ""
},
{
"docid": "98d7550b93481889a3fab53d98d376b5",
"text": "- 7 Ways With Cumin. A primary ingredient in chili powder and curry powder, this aromatic seed is a staple in American cooking and around the world. Photo: Lee Harrelson; Styling: Ana Kelly, Mindi Shapiro. Team Player This spice has a distinctive taste that's nutty and slightly peppery.",
"title": ""
},
{
"docid": "fd250e113b252a3b62c2f978a963d26c",
"text": "Spice Hunting: Cumin This recipe illustrates cumin's amazing versatility: it intensifies the meat's gaminess, balances the chiles' fruity aroma, and contrasts the tender lamb with crunchy seeds. Given all this variety and flavor potential in a tiny seed, it's no wonder cumin is a culinary rock star around the world.",
"title": ""
},
{
"docid": "83413ae527a4c59732054ebd516dde81",
"text": "- Cumin is commonly used in ayurveda, traditional Indian medicine, as a carminative. A carminative is a substance that helps to prevent the formation of gas in the intestines and also helps to alleviate symptoms of gas.t is a small seed used often in Indian dishes such as curries and has a pungent, nutty and earthy flavor. It is rich in antioxidants, calcium, iron and magnesium. In addition to preventing disease, incorporating more cumin into your diet may reduce blood sugar and improve digestion.",
"title": ""
},
{
"docid": "104b1c74c4618dabfed5559395d938f6",
"text": "Cumin An aromatic spice with a distinctive bitter flavor and strong, warm aroma due to its abundant oil content. Cumin seeds are actually the small dried fruit of an annual plant in the parsley family. Native to the Mediterranean, cumin is hotter to the taste, lighter in color, and larger than caraway, another spice it's sometimes confused with. Sold whole or ground, the seeds come in three colors: amber, white or black.",
"title": ""
},
{
"docid": "b4a3595c35698c1c711c95b52cb85344",
"text": "Cumin Cumin (/ˈkjuːmɪn/ or UK: /ˈkʌmɪn/, US: /ˈkuːmɪn/) (Cuminum cyminum) is a flowering plant in the family Apiaceae, native from the east Mediterranean to South Asia. Its seeds (each one contained within a fruit, which is dried) are used in the cuisines of many different cultures, in both whole and ground form.",
"title": ""
},
{
"docid": "e19f584b258658df3ce714f78888200b",
"text": "- A Motor Trade Insurance policy is also referred to as Road Risk Insurance. It is taken out by someone who runs a business involving anything to do with cars, motorbikes and vans such as buying and selling cars, repairing and servicing, valeting, running a garage or MOT centre etc.opefully, you now have a better idea of what Motor Trade Insurance covers. Get a Quote from a Specialist Motor Trade Insurer. 1 Best Price Guarantee. 2 Full or Part Time Schemes. 3 Exclusive Discounts.",
"title": ""
},
{
"docid": "36e8c4a35659951b905d530a7f6da2ab",
"text": "Black Seed Oil Uses & Benefits Black Cumin Seed Oil: What to Look For. Black cumin seed oil is the most absorbable and concentrated form, and from my research, the most effective way to consume black seeds. It is just important to make sure that it is from a quality source and preferably: Organic.",
"title": ""
},
{
"docid": "b93432b5e5c21cb9e0d1e36faa9eb6e0",
"text": "Herbsoften used in Thai cooking Cumin: Yi-ra in Thai. Cumin is a small shrubbery herb, the fruit of which contains a 2-4% volatile oil with a pungent odour, and which is used as a. flavouring and condiment. Cumin's therapeutic properties manifest as a stomachic, bitter tonic, carminative, stimulant and astringent.",
"title": ""
},
{
"docid": "4cb077b495715f4fe4ed816816af02dc",
"text": "- Most people seeking the benefits of black cumin take the oil in capsule form. Over a period of time, usually a few months, the hair and fingernails are strengthened and have more luster. However, some people use the oil externally, for beauty as well as for treating skin conditions such as psoriasis and eczema.",
"title": ""
},
{
"docid": "2ca89da7302db41f3b44e0279e7dba5c",
"text": "Lentils Cumin seeds, whose scientific name is Cuminum cyminum, are an excellent source of iron, a mineral that plays many vital roles in the body. Iron is an integral component of hemoglobin, which transports oxygen from the lungs to all body cells, and is also part of key enzyme systems for energy production and metabolism.",
"title": ""
},
{
"docid": "d9f3345094f5fe3d107b3bb4253999fe",
"text": "7 Ways With Cumin Ground cumin is the focal point of a simple spice rub used to coat skillet-cooked pork chops. Make extra of the flavorful rub because you'll want to try it on chicken, pork tenderloin, and beef. mixture of whole cumin seeds, coriander seeds, fennel seeds, and panko (Japanese breadcrumbs) makes a flavorful crispy topping for baked salmon. The creamy sauce served on the side is flavored with ground cumin, citrus, and red pepper.",
"title": ""
},
{
"docid": "1eb806817c48d57e6d45d2528ff81ca1",
"text": "Black cumin oil is the most important oil you can put in your system Black cumin is also known as Nigella sativa, black seeds and kalonji and has been healing maladies of the body for more than 2,000 years. Although black cumin has been used for centuries, only during the last 40 years has the true potential of this remedy been realized. Originally, black cumin was used mainly for migraines, asthma and allergies.",
"title": ""
},
{
"docid": "689f24a28d7be95f932f2570aab62804",
"text": "Black Cumin Seeds Better Than Drugs? A Look at the Science Health Impact News. Black cumin seeds and black cumin seed oil have been widely used for reducing blood pressure, cleansing and tonifying the liver, reducing fluid retention, supporting healthy digestion, treating diarrhea, stimulating the appetite, reducing pain, and treating skin disorders.",
"title": ""
}
] |
msmarco_passage
|
30e5344ce410c048f01d18976f26087f
|
pendejo definition
|
[
{
"docid": "fbde372ca8cb879e8e08922dc9e45594",
"text": "What does pendejo mean? Part of this quotation, at least is Spanish. Pendejo is an insulting word more or less meaning dummy (but stronger as an insult) like Dumb butt only using a stronger word …than butt. To call someone pinche is also an insult, but I don't know an exact translation.",
"title": ""
}
] |
[
{
"docid": "db4cffb3eeb46a56177a90489abfd363",
"text": "Encomienda The encomienda (Spanish pronunciation: [eŋkoˈmjenda]) was a labor system, rewarding conquerors with the labor of particular groups of people. It was first established in Spain during the Roman period, but utilized also following the Christian reconquest of Muslim territory.",
"title": ""
},
{
"docid": "18683bd8481fec3c94b2f34c18f4812e",
"text": "Spanish profanity Spanish profanity. (Redirected from Pendejo) The overwriting text in blue says putos, an insult meaning faggot / poof (graffiti on a wall in Montevideo, Uruguay). The Spanish language employs a wide range of swear words that vary between Spanish speaking nations, and in regions and subcultures of each nation.",
"title": ""
},
{
"docid": "1ccc906141719d19b264c07700434214",
"text": "Jose de Escandon, 1st Count of Sierra Gorda Jose de Escandon y Helguera, 1st Count of Sierra Gorda (May 19, 1700, Soto de la Marina, Cantabria, Spain – 1770, New Spain) was a Spanish Indian-fighter in New Spain and the founder and first governor of the colony of Nuevo Santander, which extended from the Panuco River in the modern-day Mexican state of Veracruz to the Guadalupe River in the U.S. ...",
"title": ""
},
{
"docid": "757045cce9e926e57441c0952a052ac5",
"text": "marido / esposo Juan, esposo and marido mean exactly the same thing: a man who is married to a woman (or to several women somewhere). I'm not quite sure how a gay man who is married refers to his mate in Spanish.",
"title": ""
},
{
"docid": "efb99323ec70f1fdc907eaf95c9e70a4",
"text": "- [nɐzɐˈɾɛ]) is a town and a municipality in subregion Oeste and Leiria District, in Portugal. It is one of the most popular seaside resorts in the Silver Coast/Costa de Prata, Portugal. The population in 2011 was 15,158, in an area of 82.43 km².The present Mayor is Walter Chicharro, elected by the Socialist Party (Portugal) . The municipal holiday is September 8 with the Festas da Nazare nazaré a religious and profane festival with, processions, bullfights, fireworks folk dancing and a. fairhe present Mayor is Walter Chicharro, elected by the Socialist Party (Portugal) . The municipal holiday is September 8 with the Festas da Nazare nazaré a religious and profane festival with, processions, bullfights, fireworks folk dancing and a. fair",
"title": ""
},
{
"docid": "b4b431ec23fcbf0ec2e5dad3fd213eab",
"text": "Meaning of Dojo: What is DOJO? Dojo is written a place of the way in Japanese. Therefore, it is used to express a place to train martial arts such as kendo, judo, aikido and so on. However, I want you to know some other definitions. A place under a bo tree where it is said that Sakyamuni (Buddha) attained spiritual enlightenment.",
"title": ""
},
{
"docid": "6d08ca5417398fb5991832675adda406",
"text": "- El vendedor nos dejó probar la bicicleta antes de decidir si comprarla o no. try out vi phrasalphrasal verb, intransitive: Verb with adverb(s) or preposition(s), having special meaning and not taking direct object--for example, make up [=reconcile]: After they fought, they made up..",
"title": ""
},
{
"docid": "12801967aa7c34d47757735f48dd78ca",
"text": "Definitions &Translations Definitions for dojoˈdoʊ dʒoʊ. Here are all the possible meanings and translations of the word dojo. Wiktionary(3.00 / 2 votes)Rate this definition: dojo(Noun) A training facility, usually led by one or more sensei.",
"title": ""
},
{
"docid": "bd572a5bd7769cf1c205a6052f754a05",
"text": "What does pendejo mean? Part of this quotation, at least is Spanish. Pendejo is an insulting word more or less meaning dummy (but stronger as an insult) like Dumb butt only using a stronger word … than butt. To call someone pinche is also an insult, but I don't know an exact translation.",
"title": ""
},
{
"docid": "f40d5ad9c87cdaa05d9c05e2ab469110",
"text": "- Cedex or CEDEX may refer to: 1 Centro de Estudios y Experimentacion experimentación De Obras, publicas públicas a civil engineering research Agency. 2 In spain'Courrier d Entreprise EXceptionnelle, à distribution exceptionnelle a system designed for recipients of large volumes Of. mail in franceedex or CEDEX may refer to: 1 Centro de Estudios y Experimentacion experimentación De Obras, publicas públicas a civil engineering research Agency. in spain",
"title": ""
},
{
"docid": "6fa721ef9cd8b73a19e4d7ae6589af5c",
"text": "- (plural pendeloques) A drop-shaped diamond or other gem used as a pendant. [from 19th c.] The chandelier's pendeloque was a large brilliant diamond.",
"title": ""
},
{
"docid": "8babf6d1454518eca4688b138e4f85f5",
"text": "10 Vulgar Spanish Slang Words Used in the Wrong Place 9. Pendejo In many countries, this translates to “dick,” but don’t be surprised to hear pendejo used to refer to young boys in Argentina. It is a common word with no negative or vulgar meaning. 10. Pinche",
"title": ""
},
{
"docid": "8d70bff076e35e2f6d597b5e800e4218",
"text": "de 9. from (tiempo) (desde); in (durante) 1 trabaja de nueve a cinco she works from nine to five. 2 de madrugada early in the morning. 3 a las cuatro de la tarde at four in the afternoon. trabaja de noche y duerme de día he works at night and sleeps during the day.",
"title": ""
},
{
"docid": "c0b450ebc164668d2844cda298dffd3c",
"text": "- (A) Angiography shows occlusion of the superior vena cava (SVC) at the level of the conflu-. ence of the innominate veins and the presence of collateral vessels. (B) When crossing the lesion with radiofrequency wire, using a. snare to mark the position of the target vessel before crossing the lesion is a must.",
"title": ""
},
{
"docid": "1f2f353510935d819ef780be3cf480a2",
"text": "- Bodega definition: a shop selling wine and sometimes groceries , esp in a Spanish-speaking country | Meaning, pronunciation, translations and examples English Dictionary | Thesaurus | Translator | Grammar | Scrabble | Blog",
"title": ""
},
{
"docid": "f744cc137ae1880a6bd95a65fae8e735",
"text": "Definitions &Translations Freebase(0.00 / 0 votes)Rate this definition: Contrapposto. Contrapposto is an Italian term that means counterpose. It is used in the visual arts to describe a human figure standing with most of its weight on one foot so that its shoulders and arms twist off-axis from the hips and legs. This gives the figure a more dynamic, or alternatively relaxed appearance.",
"title": ""
},
{
"docid": "323bd97574b3cd15d2d8a5c5a29e2232",
"text": "Compadre The compadre (. [komˈpaðɾe] , [kũˈpaðɾɨ] , [koˈpadɾi] , kõˈpadɾi literally-co father or-co) parent relationship between the parents and godparents of a child is an important bond that originates when a child is baptized In iberian And Latin american. familieshe term compadre has been extended in some regions, such as Brazil to describe a common relationship between two good friends. In Argentina and Paraguay, the word is used in popular speech (especially in the diminutive, compadrito) to mean braggart, loud-mouth, bully..",
"title": ""
},
{
"docid": "24f01348e12402405af7220c1ece0235",
"text": "What does pendejo mean? The Spanish slang word pendejo is a vulgar term literally translated to mean pubic hair. It's a term used in anger to describe someone who is unpleasant, rude, obnoxious or arrogant (like a**hole in English). Over the years, like many crude slang terms, some classless groups have even adopted it as a semi-acceptable funny greeting between friends.",
"title": ""
},
{
"docid": "6a58798e75cf368d790df5056acc8cc2",
"text": "- afternoon nnoun: Refers to person, place, thing, quality, etc. (time from noon to sundown) tarde nfnombre femenino: Sustantivo de género exclusivamente femenino (mesa, tabla). I'm going to the store this afternoon because I'll be too busy in the morning. Iré a la tienda en la tarde.",
"title": ""
},
{
"docid": "e2738993f8ee219be4931c9c26c8bdf8",
"text": "pend pend (third-person singular simple present pends, present participle pending, simple past and past participle pended) ( 1 obsolete) To hang down. ( 2 obsolete, Scotland) To arch over (something); to vault. 3 To hang; to depend.",
"title": ""
},
{
"docid": "b6089a96cfc452da27595486f4845d55",
"text": "Tilde The tilde (/ˈtɪldə/; ˜ or ~) is a grapheme with several uses. The name of the character came into English from Spanish, which in turn came from the Latin titulus, meaning title or superscription. The reason for the name was that it was originally written over a letter as a scribal abbreviation, as a mark of suspension, shown as a straight line when used with capitals.",
"title": ""
},
{
"docid": "48a738968411e79c138d01dc1830d217",
"text": "José Sanjurjo En cuanto a Sanjurjo, la pena de muerte le fue conmutada por la de cadena perpetua; pero apenas había empezado a cumplirla cuando fue excarcelado por el gobierno de derechas que salió de las elecciones de 1933.",
"title": ""
},
{
"docid": "60d886bcf3bd75052e811673dc87caa0",
"text": "Definition of 'cede' Definition of 'cede'. cede. If someone in a position of authority cedes land or power to someone else, they let them have the land or power, often as a result of military or political pressure. Only a short campaign took place in Puerto Rico, but after the war Spain ceded the island to America.",
"title": ""
},
{
"docid": "702f3e0fa781432b3375b8c6b62415a4",
"text": "- San José de las Matas. San José de las Matas, also known as Sajoma, is a municipality (municipio) of the Santiago province in the Dominican Republic. Within the municipality there are three municipal districts (distritos municipal): El Rubio, La Cuesta and Las Placetas. Climate.",
"title": ""
},
{
"docid": "1f9f534f9d1281b8a52861e393f49c01",
"text": "Compadre The compadre (Spanish: [komˈpaðɾe], Portuguese: [kũˈpaðɾɨ], [kõˈpadɾi], literally co-father or co-parent) relationship between the parents and godparents of a child is an important bond that originates when a child is baptized in Iberian and Latin American families.",
"title": ""
}
] |
msmarco_passage
|
e61a5737af172e3cf100e433b3dd3ca2
|
statutory tax rate
|
[
{
"docid": "b4973a44e4d7c73ae7c4c21e06b0de3e",
"text": "CHART OF THE DAY: US Companies Haven't Paid The Statutory Tax Rate For At Least 45 Years CHART OF THE DAY: US Companies Haven't Paid The Statutory Tax Rate For At Least 45 Years. According to the OECD, the U.S. statutory corporate tax rate is 39 percent. This is a combination of the 35 percent federal statutory rate and a weighted average of state marginal income tax rates.",
"title": ""
}
] |
[
{
"docid": "2b0046cce5f6153c9e4dd5cf1f1b1d4d",
"text": "Rates, Withholding Schedules, and Meals and Lodging Values tax rates and taxable wage limits for the last several years are listed on tax rates wage limits and value of meals and lodging de 3395 the ui rate schedule in effect for 2015 is schedule f+ this is schedule f plus a 15 percent emergency surcharge rounded to the nearest tenthhe ui and ett taxable wage limit remains at $ 7000 per employee per calendar year the state disability insurance sdi withholding rate for 2015 is 0 9 percent",
"title": ""
},
{
"docid": "7a77193f04a595d49e02e008dd115e05",
"text": "Tax Rate Tax Rate. The amount of charges imposed by the government upon personal or corporate income, capital gains, gifts, estates, and sales that are within its statutory authority to regulate. Tax rate schedules are utilized by taxpayers whose taxable incomes exceed certain designated amounts.",
"title": ""
},
{
"docid": "a4f16d1cec5bf833a421e19fd1009be7",
"text": "- A return's marginal tax rate is the highest statutory tax rate bracket applicable to that tax return. Individual income tax rates and shares, 2007 The 15 percent marginal tax rate, however, shows how much the personal income tax reduces incentives to earn more income by working more or harder or saving and investing.",
"title": ""
},
{
"docid": "e13db8993f9e859580c4c3a087485a2d",
"text": "- The Pennsylvania (PA) state sales tax rate is currently 6.0%. Depending on local municipalities, the total tax rate can be as high as 8%. The maximum rate combined with local sales tax rates can be no higher than 8.0%. At present, Philadelphia is allowed to impose an additional 2% sales tax rate through June 30, 2014 and Allegheny County is authorized to levy a 1% local sales tax. Pennsylvania is one of the few states with a single, statewide sales tax.",
"title": ""
},
{
"docid": "9821e0e2103e2f6845c2355ba7c13da1",
"text": "- Interest crediting rate A statutory hybrid plan must use an interest crediting rate that does not exceed the market rate of return. An interest crediting rate is the rate applied under the terms of the plan to increase a participant’s benefit to",
"title": ""
},
{
"docid": "879df248c5e032716eec72fd1d89151a",
"text": "Vehicle Excise Duty How car tax rates are calculated. For cars registered after March 1st, 2001, the DVLA car tax rate (Vehicle Excise Duty) is based on the car's CO 2 emissions and the type of fuel it uses. For cars registered before March 1st, 2001, car tax is based on engine size only.There is one rate for engines up to 1549cc and one for 1550cc and over.ow car tax rates are calculated. For cars registered after March 1st, 2001, the DVLA car tax rate (Vehicle Excise Duty) is based on the car's CO 2 emissions and the type of fuel it uses. For cars registered before March 1st, 2001, car tax is based on engine size only.",
"title": ""
},
{
"docid": "397cb6291acfb38183cb7335df13e5b2",
"text": "Local Services Tax (LST) This is the date when the taxpayer is liable for the new tax rate. Mandatory Low-Income Exemption. Political subdivisions that levy an LST at a rate that exceeds $10 must exempt from the tax taxpayers whose total earned income and net profits from all sources within the political subdivision is less than $12,000.",
"title": ""
},
{
"docid": "2086479f511fab4eda44d50d4d2e2485",
"text": "How Your Tax Rate Is Determined If the tax rate is 0%, the government will earn no revenue and if the taxation rate is 100%, the government will be the recipient of all revenue generated by the economy and will thereby maximize revenue.he Basis of the Theory Arithmetic Effect Underlying this theory is the idea that tax rate changes have two effects on government revenues.",
"title": ""
},
{
"docid": "91eceae537ea9e3173e0aef16ae37832",
"text": "What is a 'Tax Rate' DEFINITION of 'Tax Rate'. The percentage at which an individual or corporation is taxed. The tax rate is the tax imposed by the federal government and some states based on an individual's taxable income or a corporation's earnings. The United States uses a progressive tax rate system, where the percentage of tax increases as taxable income.",
"title": ""
},
{
"docid": "166c46534f4c18d11ee5a81e3d1e7b75",
"text": "How Your Tax Rate Is Determined At the other end of the spectrum, a tax rate of 0% would not generate enough revenue to perpetuate the existence of government and support government projects, such as defense and infrastructure development, as well the salaries of public officials.he Basis of the Theory Arithmetic Effect Underlying this theory is the idea that tax rate changes have two effects on government revenues.",
"title": ""
},
{
"docid": "848f36f1688186c11e6158cb9be1061c",
"text": "- See current tax bands for all versions of the Vauxhall Agila (00-07). Brand new cars registered after April 1, 2010 are subject to a different rate of road tax during their first year from new. The annual road tax rate for all subsequent years is the standard rate-e.g. the 12 month figure shown.VED (Vehicle Excise Duty) is a tax payable on all road cars.or cars registered before March 1st, 2001, car tax is based on engine size only. There is one rate for engines up to 1549cc and one for 1550cc and over.",
"title": ""
},
{
"docid": "f8c2ce5948fa0f20c544f81d39e3bd0a",
"text": "Marginal and Effective Tax Rates and Their Importance in Tax Planning Marginal tax rate generally refers to the rate of tax to be incurred on the next dollar of income (or the value of the next incremental dollar of deduction), whereas effective rate generally refers to the amount of your overall tax as a percentage of your overall income.",
"title": ""
},
{
"docid": "76852e27009d0ad9361fc33b0359f7f6",
"text": "- The annual tax equals the amount set by law for that value. For example, the tax on a new car listing for $22,000 equals 100% of that value. According to the statutory schedule, the tax on a $22,000 car is $340. In the third year, the vehicle's depreciated value is 80% of its list price or $17,600. The tax on vehicle valued at that amount is $220.",
"title": ""
},
{
"docid": "1223c78842233766e6087fa4c6609d41",
"text": "Use Tax Rates Private Party Vehicle Use Tax (RUT-50) (non-retailer purchased from non-retailer) The rate is determined by either the purchase price or fair market value of the motor vehicle. Fair market value is used when there is no stated price (e.g., the motor vehicle is a gift). If the vehicle is less than $15,000, the tax is based on the age of the vehicle. Use Table A. If the vehicle purchase price is $15,000 or more, the tax is based on the purchase price.",
"title": ""
},
{
"docid": "05ddb98b78a5da050e07ac211c0d0515",
"text": "- In physics, velocity is speed in a given direction. • When we say a car travels at 60 km/h, we are. specifying its speed. • When we say a car moves at 60 km/h to the. north, we are specifying its velocity.",
"title": ""
},
{
"docid": "d38db2cb2d792608f060dc1e0f74befd",
"text": "Calculate vehicle tax rates Before you start. For cars registered before 1 March 2001 the rate of vehicle tax depends on its engine size. The rate for cars registered on or after 1 March 2001 depends on. emissions and fuel type.ar vehicle tax rates are based on either engine size or fuel type and CO2 emissions, depending on when the vehicle was registered. Other types of vehicle have their own rates. If you have the V5C reference number for a vehicle, it may be quicker to use the Get vehicle information from DVLA service.",
"title": ""
},
{
"docid": "44c0977df4e86c6dc340b9b71cc63ca8",
"text": "Current Tax Rates Public Utility Realty Tax (PURTA) Rate set annually to raise required Realty Tax Equivalent (RTE) revenue: Gross Premiums Tax: 2 percent plus any retaliatory tax 3 percent surplus lines tax rate is imposed on policies written with unlicensed non-life insurers: Financial Institutions Taxes: Bank and Trust Company Shares Tax: 0.95 percent: Title Insurance Shares Tax: 1.25 percent",
"title": ""
},
{
"docid": "b77cd9cfb4879112cc29431dade52e87",
"text": "Fact Sheet: Corporate Tax Rates U.S. effective corporate tax rates are not a burden. The top statutory tax rate of 35% in the U.S. is somewhat higher than that of 30 other OECD countries, but the average effective tax rate — the actual rate paid after deductions and credits — is slightly lower than our competitors, according to the Congressional Research Service (CRS).",
"title": ""
},
{
"docid": "2d1d6241e7847b36247856906520cb04",
"text": "Tax rate A marginal tax rate is the tax rate an individual would pay on one additional dollar of income. Thus, the marginal tax rate is the tax percentage on the last dollar earned. In the United States in 2016, for example, the highest marginal federal income tax rate was 39.6%, applying to earnings over $415,050. Earnings under $415,050 that year had a lower tax rate of 35% or less.",
"title": ""
},
{
"docid": "409d2b1daaf4f76ab0b6183fe055f9e5",
"text": "Calculate vehicle tax rates For cars registered before 1 March 2001 the rate of vehicle tax depends on its engine size.ar vehicle tax rates are based on either engine size or fuel type and CO2 emissions, depending on when the vehicle was registered. Other types of vehicle have their own rates. If you have the V5C reference number for a vehicle, it may be quicker to use the Get vehicle information from DVLA service.",
"title": ""
},
{
"docid": "53cf1cb9f857148ca624c90000cfc3be",
"text": "The U.S. Has the Highest Corporate Income Tax Rate in the OECD January 27, 2014. In today’s globalized world, U.S. corporations are increasingly at a competitive disadvantage. They currently face the highest statutory corporate income tax rate in the world at 39.1 percent. This overall rate is a combination of our 35 percent federal rate and the average rate levied by U.S. states.",
"title": ""
},
{
"docid": "6d6e1f6f3b3295039c205c913c2dbf75",
"text": "Reality Check on Corporate Taxes First, some background. The U.S. federal corporate tax rate is 35 percent, and that statutory rate is what corporate tax critics cite most often. Additional state corporate taxes bump the overall number up closer to 40 percent. The statutory rate, however, doesn't reflect the write-offs in the tax code (so-called tax expenditures) that reduce the effective rate on corporate profits – that is, what corporations actually pay in taxes as a share of their profits.",
"title": ""
},
{
"docid": "7f735677d51f3ef41e4e92b2790b0e89",
"text": "- Statutory penalty on past due taxes are calculated as follows: 1 If you are paying the tax 1-30 days late, add a 5% penalty. 2 If you are paying the tax over 30 days late, add a 10% penalty. 3 If you are paying the tax after the date referenced on the Notice of Tax/FEE Due, add an additional 10% penalty (for a total of 20%).",
"title": ""
},
{
"docid": "ef97a730f6309bf707973eff4860df2e",
"text": "Income Tax Act, 1962 (Act 58 of 1962) The rate of tax referred to in section 2(1) of this Act to be levied in respect of the taxable income of any trust (other than a special trust or a public benefit organisation or recreational club referred to in paragraph 5) in respect of any year of assessment ending on 29 February 2008, is 40 per cent.",
"title": ""
},
{
"docid": "338b8da87410659b9ec282e3e23ab11d",
"text": "- what is the tax rate? The New Hampshire Department of Revenue Administration is charged with the task of computing and establishing the tax rate for each town, city, or unincorporated place, in accordance with RSA 21J:35. The 2017 tax rate has been set at $12.65 per thousand of assessed valuation.",
"title": ""
}
] |
msmarco_passage
|
8b74c4e09bf22a63b0673f7a7e1aadfa
|
what does quenched mean in chemistry
|
[
{
"docid": "0aa670ac204920382b67edf9c7899c38",
"text": "Quenching Quenching Definition - Quenching is the soaking of a metal at a high temperature, above the recrystallization phase, followed by a rapid cooling... Quenching Definition - Quenching is the soaking of a metal at a high temperature, above the recrystallization phase, followed by a rapid cooling...",
"title": ""
}
] |
[
{
"docid": "8b98f5701b3a7c2c6c425c07679cc5c1",
"text": "- I began also to feel very hungry, as not having eaten for twenty-four hours; and worse than that, there was a parching thirst and dryness in my throat, and nothing with which to quench it. To extinguish or put out (as a fire or light.)",
"title": ""
},
{
"docid": "24bf7bbdf283c1500797a942ef476172",
"text": "Quench For this discussion, we will be using the term quench to denote the distance between the cylinder head deck and the piston deck at TDC, as well as for the overall action/effect of the combination of squish and quench. Quench (or squish, or squench) is sometimes referred to as mechanical octane.",
"title": ""
},
{
"docid": "867f2e508a35bb051e06dc158690f801",
"text": "Quenching (fluorescence) Quenching is made use of in optode sensors; for instance the quenching effect of oxygen on certain ruthenium complexes allows the measurement of oxygen saturation in solution. Quenching is the basis for Förster resonance energy transfer (FRET) assays.",
"title": ""
},
{
"docid": "8d2a0bfe435fac12bed7a1f87af83734",
"text": "Quenching Corrosionpedia explains Quenching. Quenching is a stage of material processing through which a metal is quickly brought down to room temperature from a high temperature by rapid cooling. Quench hardening is a mechanical process in which steel and cast-iron alloys are strengthened and hardened.",
"title": ""
},
{
"docid": "5b861c493fe6555f057a0cb995b60780",
"text": "Need Help to define 42CrMo4 HH TQ+T 2 RE: Need Help to define 42CrMo4 HH TQ+T. zner46, You need to obtain the standard EN 10083-1 Quenched and tempered steels-Technical delivery conditions for special steels.This standard defines the requirements for grade 42CrMo4 +HH +QT.E: Need Help to define 42CrMo4 HH TQ+T. zner46, You need to obtain the standard EN 10083-1 Quenched and tempered steels-Technical delivery conditions for special steels.",
"title": ""
},
{
"docid": "fc7d16216ece7e4d6ca21e86a8b98bd5",
"text": "- 1. 1 Chemistry. a widely distributed element that forms organic compounds in combination with hydrogen, oxygen, etc., and that occurs in a pure state as diamond and graphite, and in an impure state as charcoal. Symbol: C; atomic weight: 12.011; atomic number: 6; specific gravity: (of diamond) 3.51 at 20°C; (of graphite) 2.26 at 20°C.",
"title": ""
},
{
"docid": "379111691882018323a9716342509dcf",
"text": "Definition of 'quench' The engine design team found that by having part of the piston crown almost touching the cylinder head at top dead center, detonation would be prevented. Because more heat would be lost over this area they called it ‘ quench ’. You quench something that is hot when you cool it with a liquid. Collins English Dictionary.",
"title": ""
},
{
"docid": "072fbdfbb7a20711449a1c672b1152c3",
"text": "Definition of 'quench' Word forms: 3rd person singular present tense quenches , present participle quenching , past tense , past participle quenched. verb. If someone who is thirsty quenches their thirst, they lose their thirst by having a drink. He stopped to quench his thirst at a stream.",
"title": ""
},
{
"docid": "c3ef1b128b90262d6d9ce46c24e5cc40",
"text": "- [with object] 1 1Satisfy (one's thirst) by drinking. ‘It leaves your mouth so coated that nothing quenches your thirst, and your fingers so oily that you dare touch nothing of value for hours.’. 2 2Extinguish (a fire) ‘firemen hauled on hoses in a desperate bid to quench the flames’.",
"title": ""
},
{
"docid": "c85bb003b868300498fa8a05675baf1f",
"text": "Quenching fluorescence quenching, a technique used in investigations dealing with binding of antigens (haptens) by purified antibodies, applicable in cases in which the bound antigen (hapten) absorbs (quenches) light emitted during fluorescence of protein (antibody) excited by ultraviolet light.",
"title": ""
},
{
"docid": "9972c93b8817903cbfe7b39f0dc6050a",
"text": "quenching /quench·ing/ (kwench´ing) 1. suppressing or diminishing a physical property, as of heat in a metal by immersion in cold liquid. 2. decrease of fluorescence from an excited molecule by other molecules that absorb some emission energy that would otherwise occur as light.",
"title": ""
},
{
"docid": "cec0b20f892ceb123921b1afa4d34b76",
"text": "- An electrolyte (Etymology: Greek lytos lytós able to be untied or) loosened is a substance that produces an electrically conducting solution when dissolved in a polar, solvent such as. Water the dissolved electrolyte separates into cations and, anions which disperse uniformly through the. solventf a high proportion of the solute dissociates to form free ions, the electrolyte is strong; if most of the solute does not dissociate, the electrolyte is weak.",
"title": ""
},
{
"docid": "e42cfb53c21b68d20aa9dd968ab08b78",
"text": "Cracking (chemistry) In petroleum geology and chemistry, cracking is the process whereby complex organic molecules such as kerogens or long chain hydrocarbons are broken down into simpler molecules such as light hydrocarbons, by the breaking of carbon-carbon bonds in the precursors.luid catalytic cracking produces a high yield of petrol and LPG, while hydrocracking is a major source of jet fuel, Diesel fuel, naphtha, and again yields LPG. Refinery using the Shukhov cracking process, Baku, Soviet Union, 1934.",
"title": ""
},
{
"docid": "1f8cb4ccc260a752ce9fe8e07bc57d85",
"text": "- Potting Soil for African Violets. Selecting the right potting soil is critical to the success of your African Violet. Heavy mixes can easily crush the roots of African Violets.",
"title": ""
},
{
"docid": "ce463ae0486d446ff3bc590bb4e24bbf",
"text": "Top 30 Doctor insights on: Causes Of Itchy Swollen Sides Of Face Doctor insights on: Causes Of Itchy Swollen Sides Of Face. 1 1. I have an pea size knot in my cheeks on each side- they are hard and kinda move around but never actually change locations. They are itchy if i touch or push on them and when i do succumb and itch them they become swollen and my face is puffed up and disf. Photo or exam: If these are bumps in the skin of your cheek they may be infected skin follicles - but a photo or physical exam would help define what they may be.",
"title": ""
},
{
"docid": "2e9780b95a0463a4410c679969e13cf0",
"text": "Which oil is used for quenching process during hardening of metal? Taking steel as example, it is quenched in water. It may be quenched few rounds in heat treatment. If slower cooling required it may be air cooled or cooled in furnace. Quenching in oil is rare. Quenching is only perform on metal that requires certain characteristics, common metal you use everyday is not quenched.",
"title": ""
},
{
"docid": "6cfe23415c32a8fd1f8fa50cfa8d1577",
"text": "- Answer by Fwmh. Confidence votes 79.8K. Your question is somewhat odd, you use the words chemical weathering and dissolution together. Chemical weathering is usually a process of weathering by solution in which case the minerals susceptible to this would be:- Carbonates and halides.Dissolution means decomposition into fragments or parts, a disintegration or liquefaction. There are some minerals that will do this, for instance Iron Pyrites.nswer by Fwmh. Confidence votes 79.8K. Your question is somewhat odd, you use the words chemical weathering and dissolution together. Chemical weathering is usually a process of weathering by solution in which case the minerals susceptible to this would be:- Carbonates and halides.",
"title": ""
},
{
"docid": "5c43944c012d9db4003080ccc8507b17",
"text": "break 1 Chemistry. to separate (a compound) into its constituent molecules. 2 Electricity. (of an insulator) to fail, as when subjected to excessively high voltage, permitting a current to pass. 3 to decompose. 4 to analyze. 5 to classify. to separate into constituent parts:",
"title": ""
},
{
"docid": "a99aed5e0a1cf12fcad1db8d0a3277e0",
"text": "quench quenched, quench·ing, quench·es. 1 To put out (a fire, for example); extinguish. 2 To suppress; squelch: The disapproval of my colleagues quenched my enthusiasm for the plan. 3 To slake; satisfy: Mineral water quenched our thirst. 4 To cool (hot metal) by thrusting into water or other liquid.",
"title": ""
},
{
"docid": "585e53660341e20327511fbec3dd21aa",
"text": "- Diamonds definition, a pure or nearly pure, extremely hard form of carbon, naturally crystallized in the isometric system. See more.",
"title": ""
},
{
"docid": "c3046d814fc1645b05c03591c71c4bd1",
"text": "Hardening and tempering Neutral hardening A heat treatment used to achieve high hardness/strength on steel which consists of austenitising, quenching and tempering, in order to retain a tempered martensite or bainite structure.",
"title": ""
},
{
"docid": "940ba3106f4866734d04fe06d9515751",
"text": "Martensite Martensite is formed in carbon steels by the rapid cooling (quenching) of the austenite form of iron at such a high rate that carbon atoms do not have time to diffuse out of the crystal structure in large enough quantities to form cementite (Fe3C). Austenite is γ-Fe, (gamma-phase iron), a solid solution of iron and alloying elements. As a result of the quenching, the face-centered cubic austenite transforms to a highly strained body-centered tetragonal form called martensite that is supersaturated with carbon.",
"title": ""
},
{
"docid": "c030e7041c0456a4f6c2fa5892b5c052",
"text": "Quenching and tempering of welded carbon steel tubulars The process of quenching and tempering carbon steel tubulars is not unlike that which is applied to other carbon steel shapes: the part is heated to about 1,600 degrees Fahrenheit, cooled rapidly, and reheated to a temperature less than about 1,300 degrees F.",
"title": ""
},
{
"docid": "b65b39b6e9f2a202e6e8a69b7fd78421",
"text": "quench quench (third-person singular simple present quenches, present participle quenching, simple past and past participle quenched) ( 1 transitive) To satisfy, especially an actual or figurative thirst. ( 2 transitive) To extinguish or put out (as a fire or light.) Then the MacManus went down. The sudden quench of the white light was how I knew it. — Saul Bellow (transitive, metallurgy) To cool rapidly by dipping into a bath of coolant, as a blacksmith quenching hot iron. The swordsmith quenched the sword in an oil bath so that it wouldn't shatter.",
"title": ""
},
{
"docid": "6f3a234c65c116d9bbf93c4b311c6683",
"text": "Learn About Quenching in Metalworking Sometimes, this outcome is preferred, which is why different media are used to perform quenching. Oil, for example, has a quenching rate that's much lower than water's. Quenching in a liquid medium requires stirring the liquid around the piece of metal to reduce steam from the surface.",
"title": ""
}
] |
msmarco_passage
|
c4e325ebb8da3dcfe4777c80570ee13a
|
meaning of trade discount
|
[
{
"docid": "9de8243c20ae1482f58aa2a27a72e169",
"text": "What is a trade discount? What is a trade discount? A trade discount is a reduction to the published price of a product. For example, a high-volume wholesaler might be entitled to a 40% trade discount, while a medium-volume wholesaler is given a 30% trade discount. A retail customer will receive no trade discount and will have to pay the published or list price. The use of trade discounts allows for having just one published price for each product. The sale and purchase will be recorded at the amount after the trade discount is subtracted.",
"title": ""
}
] |
[
{
"docid": "7b79c1b2ffb664dad1995955a84ad3ae",
"text": "What is a trade deficit and what effect will it have on the stock market? A trade deficit, which is also referred to as net exports, is an economic condition that occurs when a country is importing more goods than it is exporting. The deficit equals the value of goods being imported minus the value of goods being exported, and it is given in the currency of the country in question.",
"title": ""
},
{
"docid": "fe628055adc4ec368e40eb1f09ee1962",
"text": "balance of trade balance of trade - the difference in value over a period of time of a country's imports and exports of merchandise; a nation's balance of trade is favorable when its exports exceed its imports. trade balance, trade gap, visible balance.",
"title": ""
},
{
"docid": "a818e35a947298df7c8418e0902c256f",
"text": "Retailing Quiz 4 cash discount. is a discount offered to the retailer for the prompt payment of bills-stated as 2/10, net 30, which means that a 2-percent discount is given if payment is received within 10 days of the invoice date and the net amount is due within 30 days.",
"title": ""
},
{
"docid": "28fbc56c45516e8d825bc97d524e62f5",
"text": "Trade Balance What it is: The trade balance, also known as the balance of trade (BOT), is the calculation of a country's exports minus its imports. When a country imports more than it exports, the resulting negative number is called a trade deficit. When the opposite is true, a country has a trade surplus.",
"title": ""
},
{
"docid": "f7f324926b210887c80e5983b08c4ce4",
"text": "- determine the actual cost price. No entry for trade or cash. discount. Trade discount. When a business buys goods from a factory or wholesaler, trade discount is. allowed because the goods are bought for resale. No entry is completed for the trade discount.",
"title": ""
},
{
"docid": "54f012553adcbf21971b1d02b2fccc11",
"text": "Trade credit insurance Trade credit insurance, business credit insurance, export credit insurance, or credit insurance is an insurance policy and a risk management product offered by private insurance companies and governmental export credit agencies to business entities wishing to protect their accounts receivable from loss due to credit risks such as protracted default ...",
"title": ""
},
{
"docid": "33d3f363dba992d8c5ecd1d9dfb03471",
"text": "trade the act or process of buying, selling, or exchanging commodities, at either wholesale or retail, within a country or between countries: domestic trade; foreign trade. 2. the act of buying, selling, or exchanging stocks, bonds, or currency: Stock brokerages typically charge a commission per trade.",
"title": ""
},
{
"docid": "fdfd22e32a61921a267695bab6cbe503",
"text": "Definitions &Translations dis′kownt, n. a sum taken from the reckoning: a sum returned to the payer of an account: a deduction made for interest in advancing money on a bill.—v.t. Discount′, to allow discount: to advance money on, deducting discount: to put a reduced value on, as in an extravagant statement or fabulous story.—v.i. to practise discounting.—adj. Discount′able.—ns.",
"title": ""
},
{
"docid": "4c18f6056f224e12d931d8d8daf43b09",
"text": "Definitions &Translations Webster Dictionary(0.00 / 0 votes)Rate this definition: 1 Discount. 2 Discount. 3 Discount. 4 Discount. 5 Discount(verb) to lend, or make a practice of lending, money, abating the discount; as, the discount for sixty or ninety days.",
"title": ""
},
{
"docid": "4332f94b06cbf25b98bf8d49206c2152",
"text": "- DETERMINE TRADE DISCOUNT, CASH DISCOUNT AND COST PRICE OF GOODS PURCHASED Cost price less trade discount Subtract trade discount from cost price to determine actual cost price. No entry for trade discount Cost price less trade discount less cash discount if the goods are paid immediately a) Subtract trade discount from cost price. b) Subtract cash discount from answer calculated in (a) to determine the actual cost price. No entry for trade or cash discount. Trade discount When a business buys goods from a factory or wholesaler, trade discount is allowed because the goods are bought for resale. No entry is completed for the trade discount. Deduct the trade discount from the price to determine the actual purchase price that the business will pay. Trade discount is deducted from the purchase price before the entry is",
"title": ""
},
{
"docid": "2edb77b006093de64793809da45ff0ae",
"text": "Definition of 'Clearing Price' Definition of 'Clearing Price'. Definition: Clearing price is that price of a commodity or a security at which the market clears a commodity or a security. Quantity supplied is equal to quantity demanded and buyers and sellers conduct the trade. Description: A price is a specific monetary value associated with a security or a commodity.",
"title": ""
},
{
"docid": "681b7108ee7113636219612dc3e3d07c",
"text": "About Municipal Bonds Answer. Market discount generally exists when a bond is purchased on the secondary market at a price below par. Market discount is the difference between the purchase price of a bond and its stated redemption price at maturity.",
"title": ""
},
{
"docid": "131eed40acf371f78e062de8f79caeda",
"text": "Discounts and allowances Trade discounts are given to try to increase the volume of sales being made by the supplier. The discount described as trade rate discount is sometimes called trade discount. Trade discount is the discount allowed on retail price of a product or something. for e.g.",
"title": ""
},
{
"docid": "919c6d4ae32ebdc2a221435d6f7e5578",
"text": "What is invoice discounting? What is invoice discounting? Invoice discounting is probably the simplest form of invoice finance. As with all types of invoice finance, with invoice discounting you sell unpaid invoices to a lender and they give you a cash advance that’s a percentage of the invoice’s value. Once your customer has paid the invoice, the lender pays you the remaining balance minus their fee.",
"title": ""
},
{
"docid": "d7025baaa551f08a8d6e55d3850f5f3c",
"text": "- As of January 31, 2007, we reserved approximately $1,510,000 for allowances for customer chargebacks and trade discounts. We terminated our Factoring Agreement on July 31, 2007. For shipments subsequent to July 31, 2007, we have assumed the credit risk for all of our trade receivables.s of January 31, 2007, we reserved approximately $1,510,000 for allowances for customer chargebacks and trade discounts. We terminated our Factoring Agreement on July 31, 2007. For shipments subsequent to July 31, 2007, we have assumed the credit risk for all of our trade receivables.",
"title": ""
},
{
"docid": "ff77736220e68351b90bd888d5ae7425",
"text": "DEDUCTION Meaning: A discount from the list price of a commodity allowed by a manufacturer or wholesaler to a merchant. Classified under: Nouns denoting possession and transfer of possession. Hypernyms (trade discount is a kind of...): deduction; discount (an amount or percentage deducted)",
"title": ""
},
{
"docid": "fbd093986c3a6a771fa040a0fb87f2ed",
"text": "- trade. 1 the act or process of buying, selling, or exchanging commodities, at either wholesale or retail, within a country or between countries: domestic trade; foreign trade. 2 the act of buying, selling, or exchanging stocks, bonds, or currency: Stock brokerages typically charge a commission per trade. 3 a purchase or sale; business deal or transaction.",
"title": ""
},
{
"docid": "2d838878a89c8ff00d02409aff104ac0",
"text": "What is a 'Discount' DEFINITION of 'Discount'. The condition of the price of a bond that is lower than par. The discount equals the difference between the price paid for a security and the security's par value.Next Up.he discount equals the difference between the price paid for a security and the security's par value.",
"title": ""
},
{
"docid": "a1384a746376a6fda0ead64b5402737c",
"text": "Discounting The discount is usually associated with a discount rate, which is also called the discount yield. The discount yield is the proportional share of the initial amount owed (initial liability) that must be paid to delay payment for 1 year.he discount, or charge, is the difference (expressed as a difference in the same units (absolute) or in percentage terms (relative), or as a ratio) between the original amount owed in the present and the amount that has to be paid in the future to settle the debt.",
"title": ""
},
{
"docid": "5077190a272d7037ec739a8c86011ab8",
"text": "- Define trade discount (noun) and get synonyms. What is trade discount (noun)? trade discount (noun) meaning, pronunciation and more by Macmillan Dictionary",
"title": ""
},
{
"docid": "c80551a07b52902f9024d512d3a7e043",
"text": "tradeoff An exchange of one thing in return for another, especially relinquishment of one benefit or advantage for another regarded as more desirable: a fundamental trade-off between capitalist prosperity and economic security (David A. Stockman).",
"title": ""
},
{
"docid": "fbfd32beb84326689ab373f2d36a9452",
"text": "Net D net 10 days) are forms of trade credit which specify that the net amount (the total outstanding on the invoice) is expected to be paid in full and received by the seller within 10, 15, 30 or 60 days after the goods are dispatched or service is completed.",
"title": ""
},
{
"docid": "225299fda36f1abbc9776da2def5ca68",
"text": "Retail Trade Retail Trade. a component of domestic trade and the concluding phase of the circulation of personal consumption, in which goods and services are sold in exchange for the monetary income of the population.he retail trade system also includes the kolkhoz trade. In the cities, retail trade is carried on primarily by special state trade organizations of the ministries of trade of the USSR and the Union republics, and in the countryside, by the consumer cooperatives.",
"title": ""
},
{
"docid": "7a51320704e3fd728796c2fdabe0c9f5",
"text": "What is a 'Trade Deficit'? The trade balance is the largest section of the current account and measures the income that a country receives from its exports and the payment it makes for its imports. A country that exports more than it imports will have a trade surplus since the inflow of currency is greater than the outflow of currency.",
"title": ""
},
{
"docid": "fd5a878fac03a557323159e18bef658c",
"text": "- DuPage County, Illinois Add Favorite 0 Reviews | Review This Place. 1 Profile: National center. 2 Time zone: Central Standard Time. 3 Elevation: 623. 4 Real Estate: For Sale For Rent. 5 City: Downers Grove township, Naperville, ... 39 total. 6 Zip Codes: 60148, 60126, ... 36 total.",
"title": ""
}
] |
msmarco_passage
|
5f1ec761525acd88c7f75cf3689d505b
|
what is the meaning of godwin
|
[
{
"docid": "b2954f504ad9922bc268a6901d99c031",
"text": "All about the name Godwin The meaning of the name Godwin is Good Friend. The origin of the name Godwin is English. This is the culture in which the name originated, or in the case of a word, the language. People who like the name Godwin also like: Gage, Alistair, Godfried, Archer, Aldon, Gideon, Garrett.",
"title": ""
}
] |
[
{
"docid": "6b668895d0f2820b5d61ed320ec00bbc",
"text": "German Submitted Surnames English (of Norman origin) and French; from Godhard, a personal name composed of the Germanic elements, gōd, meaning 'good' or god meaning 'god' and hard, meaning 'hardy', 'brave', or 'strong'. The name was popular in Europe during the Middle ...",
"title": ""
},
{
"docid": "d44bf07c8162d34ceb7f290451f2efe3",
"text": "- The definition of invidious is something that is likely to cause anger, or something that is unjust or unfair. 1 An example of an invidious behavior is behavior that is likely to make others around you mad. 2 An example of invidious actions are discriminatory actions where one person is treated unfairly as compared to others.",
"title": ""
},
{
"docid": "4440f602722ebd3d1fe3a2681a087669",
"text": "Demigod The term demigod or demi-god can refer to a minor deity, a mortal who is the offspring of a god and a human being, or a figure who has attained divine status after death. 1 Etymology.",
"title": ""
},
{
"docid": "0b78e831a1d3ed07e96061e918225d6a",
"text": "Benefits CalWIN Benefits Application Established in 2005 by the government of the State of California, CalWIN is an online real-time benefits resource that is part of the administration of different government aid programs. These programs include CalWORKS, Food Stamps, Medi-Cal, General Assistance, Foster Care, Employment Services and others.",
"title": ""
},
{
"docid": "c23cb600c7171549a9858a8b58788f85",
"text": "Shepherd A shepherd /ˈʃɛpərd/ or sheepherder is a person who tends, herds, feeds, or guards herds of sheep. The word stems from an amalgam of sheep herder.he Shepherd by Frederick Forsyth is the story of a flight from Germany to England undertaken by a young Vampire pilot one Christmas Eve. Biographies of David Ben-Gurion published in the early years of Israel emphasized his having been a shepherd immediately after his arrival in the country in the 1900s.",
"title": ""
},
{
"docid": "d9425a83841518d256fd194dbe282a13",
"text": "hubris Hubris is an excess of confidence: a boxer who shouts I'm the greatest! even though he's about to get pummeled by a much stronger opponent is displaying a lot of hubris. Hubris is from Greek, where it meant excessive pride, violating the bounds set for humans and was always punished by the gods. We no longer have the Greek gods, so in English it just refers to over-the-top self-confidence. If you call yourself the best in something, you better have the goods to back it up, since too much hubris can lead to embarrassment and humiliation. It's an age-old human failing: pride goeth before the fall.",
"title": ""
},
{
"docid": "7d6b94aa416e71fdf8ddd458cfdbf8a2",
"text": "- Theophilus (the-oph'-i-lus). Literally, the name means lover of God.. Davis Bible Dictionary says it means loved by God.. Smith's Bible Dictionary, Harpers Bible Dictionary, and Holman Bible Dictionary give the meaning as friend of God.. 1.The person to whom the books of Luke and Acts were written (Luke 1:3; Acts 1:1).iterally, the name means lover of God.. Davis Bible Dictionary says it means loved by God.. Smith's Bible Dictionary, Harpers Bible Dictionary, and Holman Bible Dictionary give the meaning as friend of God..",
"title": ""
},
{
"docid": "bb5a91437ab5aa2a53e3eefea0547538",
"text": "Godwin God·win (gŏd′wĭn), William 1756-1836. British writer and political theorist who believed in the perfectibility of human nature and maintained that people could live harmoniously without laws and institutions. His most important work is Enquiry Concerning Political Justice (1793).",
"title": ""
},
{
"docid": "9ad2066f71ae3d2bf34f6f26f96cce5e",
"text": "Definitions &Translations Freebase (0.00 / 0 votes) Rate this definition: Godmother. Godmother is a Hindi movie directed by Vinay Shukla released in 1999, and ostensibly inspired by the life of Santokben Jadeja.",
"title": ""
},
{
"docid": "09b86b4609d7ccd2294b8e72033fb9bb",
"text": "ObjectWin Technology ObjectWin Technology is a minority business enterprise providing staffing services to Fortune 1000 clients across the US and India. We recruit highly skilled resources for IT, Engineering, Finance, Admin/Clerical and other Professional categories. ObjectWin ... Read more",
"title": ""
},
{
"docid": "5d127b51e7abf9e48a82da2ff0e086b3",
"text": "- Alwin name numerology is 5 and here you can view more meanings, Alwin pronunciation, Alwin origin, numerology and popular peoples on Alwin name. Alwin Meaning: Noble Friend, Defender. Alwin name numerology is 5 and here you can view more meanings, Alwin pronunciation, Alwin origin, numerology and popular peoples on Alwin name. Follow us on Facebook",
"title": ""
},
{
"docid": "aca3318659e12ca1f2a0e6b3e247ba5a",
"text": "- breadwinner. 1 Japanese: 扶養者 (ふようしゃ, fuyōsha), 大黒柱 (daikokubashira), 稼ぎ手 (kasegite) 2 Norman: gângne-pain m. 3 Norwegian: Norwegian Bokmål: familieforsørger m, forsørger m. 4 Persian: نانآور (nân-âvar) 5 Portuguese: ganha-pão (pt) m. 6 Romanian: câtigător de pâine m, salariat (ro)",
"title": ""
},
{
"docid": "c02bddfc1848814ce79ed586e698aa67",
"text": "- noun. 1 1A person having an innate talent for a particular task or activity. 2 2Music. 3 3mass noun An off-white colour. 4 4(in a gambling game) a combination or score that immediately wins. 5 5Fishing. 6 6archaic A person born with a learning disability.",
"title": ""
},
{
"docid": "77a4f7053779725929338ac83de56435",
"text": "fortune fortune. 1 the entity or power believed by some to bring good or bad luck to people; luck; chance; fate: often personified. [ 2 also pl.] what happens or is going to happen to one; one's lot, good or bad, esp. one's future lot. 3 good luck; success; prosperity. 4 a large quantity of money or possessions; wealth; riches.",
"title": ""
},
{
"docid": "27c74138dbeee7e19c7a1d77b4ae62a5",
"text": "Farrington Lake There is a small almost completely walled cove next to Bicentenial Park, and a few smaller coves. The Lake continues down to the North Brunswick Dam at Farrington Park Conservation area. There are warning markers near this large, concrete structure. The drop off is great, do not attempt to paddle past the warning markers.",
"title": ""
},
{
"docid": "4bd5b8068b19dcac8fd14509462e2a20",
"text": "What does Hugo mean? Hugo [hugo]▲ as a boys' name is pronounced HEW-goh. It is of Latin, Old French and Old German origin, and the meaning of Hugo is soul, mind, intellect. Latinized form of Hugh, derived from hug. The name was used since medieval times. ASSOCIATED WITH soul (life), medieval.",
"title": ""
},
{
"docid": "0c495bf07baf99747417e40e885bdaed",
"text": "- Meaning & History Means god, spirtual being in Igbo, referring to the personal spiritual guardian that each person is believed to have. Christian Igbo people use it as a name for the personal Christian god.",
"title": ""
},
{
"docid": "ca80c2fd4a7edf01877e2955428e0dc5",
"text": "- full definition of winnow transitive verb 1 a 1 to remove as chaff by a current of air 2 select 2 a to treat as grain by exposure to a current of air so that waste matter is eliminated b to free of unwanted or inferior elements pare 3 intransitive verb1ull definition of winnow transitive verb 1 a 1 to remove as chaff by a current of air 2 select 2 a to treat as grain by exposure to a current of air so that waste matter is eliminated b to free of unwanted or inferior elements pare 3 intransitive verb",
"title": ""
},
{
"docid": "8f9a8b5b27d28c442dc81da73b4906ff",
"text": "What is hubris? Hubris definition in easy words Hubris (HOO-briss) is a Greek word which is sometimes translated into English as pride or arrogance.. (It is sometimes spelled hybris). Its original meaning in Greek was to hit something.It means thinking you are better than you really are, as in the expression Pride goes before a fall..ubris (HOO-briss) is a Greek word which is sometimes translated into English as pride or arrogance.. (It is sometimes spelled hybris). Its original meaning in Greek was to hit something. It means thinking you are better than you really are, as in the expression Pride goes before a fall..",
"title": ""
},
{
"docid": "f9461c66d82a14bcddcdb7d3ba0b4623",
"text": "- Your heart rate is affected by factors such as: 1 physical fitness. 2 age. 3 gender. 4 drugs and medication. 5 genetics. 6 stress or anxiety.",
"title": ""
},
{
"docid": "eb25423d7b189f77e8e736f106da870a",
"text": "mercurial Mercurial describes someone whose mood or behavior is changeable and unpredictable, or someone who is clever, lively, and quick. With a mercurial teacher, you never know where you stand. Mercury was the ancient Roman god of commerce and messenger of the gods, and the planet Mercury was named after the Roman god. In Middle English, this adjective meant relating to the planet or god Mercury and derives from Latin mercuriālis, from Mercurius Mercury. A mercurial personality has the unpredictability associated with the god Mercury or, in astrology, is supposedly influenced by the planet.",
"title": ""
},
{
"docid": "69064edf84c61482bf7490aae6eb7ab7",
"text": "- Adjective. (not comparable). 1 All-loving, or infinitely good, usually in reference to a deity or supernatural being, for example, 'God'. 2 Its use is often with regards to the divine triad, whereby a deity is described to be simultaneously omniscient, omnipotent and omnibenevolent. Its use is often with regards to the divine triad, whereby a deity is described to be simultaneously omniscient, omnipotent and omnibenevolent. 2 This triad is used especially with the Christian god, Yahweh.",
"title": ""
},
{
"docid": "375859d9c5ae5f54496ffd73f17fbe4c",
"text": "- Barwich Meaning Barwick Meaning Barwicke Meaning Barwicki Meaning Barwicks Meaning Barwidi Meaning Barwie Meaning Barwienski Meaning Barwiere Meaning Barwig Meaning Barwikoski Meaning Barwikowski Meaning Barwiler Meaning Barwill Meaning Barwimger Meaning Barwin Meaning Barwinczak Meaning Barwinczok Meaning Barwind Meaning Barwineck Meaning Barwinek Meaning Barwink Meaning Barwinkel Meaning Barwinkle Meaning",
"title": ""
},
{
"docid": "8e9ef3acaae11a7c5f5bcbb21b801597",
"text": "- 1 PHILOTHEUS: Latin form of Greek Philotheos, meaning friend of God or loves God.. 2 RAFIQ (رفيق): Arabic name meaning companion, friend.. 3 RAGUEL: Latin form of Hebrew Rəuwel, meaning friend of God.. 4 In the bible, this is the name of several characters, including a son of Esau. LIEVIN: Dutch form of German Liafwin, meaning dear friend.. 2 MALDWYN: Welsh form of Old High German Baldawin, meaning brave friend.. 3 MESHULAM: Variant spelling of Hebrew Meshullam, meaning friend.. 4 In the bible, this is the name of a scribe and many other minor characters.",
"title": ""
},
{
"docid": "ccead28705b6a5f0a9b1966ae1eecc94",
"text": "Meaning of First Name of: Godwin Your name of Godwin has created a most expressive nature, idealistic and inspirational, driven with a strong inner urge to be of service in some way that would uplift humanity as a whole. However, there is a tendency to assume too heavy a burden of responsibility for others, which leads to worry and over-concern.",
"title": ""
}
] |
msmarco_passage
|
e252689f34d0229407c1c0c5da174a36
|
where is ecuador
|
[
{
"docid": "3ac20d22791f8d401b1e421e08ab142e",
"text": "- Ecuador is located in the northwestern region of South America. It is bordered by the Pacific Ocean to the west, Colombia to the north, and Peru to the east and south. The territory of Ecuador consists of the mainland and the Galapagos Islands located 1000km to its west in the Pacific.",
"title": ""
}
] |
[
{
"docid": "144b357422da4dbddd5a443b44adf9f8",
"text": "Ecuador The first Indians who reached Ecuador may have journeyed by land from North and Central America or by boat down the Pacific Ocean coastline. Much later migrations to Ecuador may have come via the Amazon tributaries, others descended from northern South America, and others ascended from the southern part of South America through the Andes.",
"title": ""
},
{
"docid": "166ecf06f88c09c5aa3907ad38d92996",
"text": "The Equator in Ecuador Kaushik Thursday, February 27, 2014 Leave a Comment. Although the equator runs through hundreds of places, one country that takes particular pride in its unique geographical location is Ecuador. In fact, the official name of Ecuador-the Republic of Ecuador literally translates to Republic of the Equator.",
"title": ""
},
{
"docid": "f75307f13df220c2b71f1c612c28eb95",
"text": "- Ecuador map also shows that it shares its international boundaries with Colombia in the north and Peru in east and south. However, the country makes coastline in the western part with Pacific Ocean.",
"title": ""
},
{
"docid": "45e896d551cb9bb7a2ffb7a65cf261fc",
"text": "- Ecuador is located in west South America between Colombia and Peru perú in The.(equator'that s what The spanish Word ecuador) Means this is the reason Why La mitad Del (Mundo … the center of the) world is In. quitoou'll see it most commonly used with Internet Domains names registered in ecuador, for example in the address for the Ecuadoriant department of Tourism, 'www.turismo.gov.ec'. The three letter abbreviation is ECU.",
"title": ""
},
{
"docid": "2af4c95bef26ac8d01b7dfe445b02cc7",
"text": "ECUADOR Ecuador is slightly smaller than the state of Nevada. Ecuador's capital city, Quito, is located in the Andes mountain range on the equator, while Guayaquil, the country's most populous city, is positioned on the southern coastline about 210 kilometers (130 miles) from Quito.POPULATION.cuador's capital city, Quito, is located in the Andes mountain range on the equator, while Guayaquil, the country's most populous city, is positioned on the southern coastline about 210 kilometers (130 miles) from Quito. POPULATION.",
"title": ""
},
{
"docid": "1dcbd77d97676aee2fba0331ea5bbb0e",
"text": "Ecuador EcuadorEncyclopædia Britannica, Inc.Ecuador straddles part of the Andes Mountains and occupies part of the Amazon basin. Situated on the Equator, from which its name derives, it borders Colombia to the north, Peru to the east and the south, and the Pacific Ocean to the west.",
"title": ""
},
{
"docid": "dd5c2d4bb7fa39bcde58bc908cc9477e",
"text": "Ecuador Earthquake Facts & Figures San Francisco de Quito, most often called Quito, is the capital city of Ecuador in northwestern South America. It is located in north-central Ecuador in the Guayllabamba river basin, on the eastern slopes of Pichincha,[1] an active stratovolcano in the Andes mountains.uito’s history of earthquakes in modern times began with a monster tremor on February 4, 1797. Not only did an estimated 40,000 people in the city perish, but the quake activated the Cotopaxi volcano.",
"title": ""
},
{
"docid": "9452317d0939e5d298cba0c5ef926bfb",
"text": "- Ecuador has quickly become the safest country in Latin America (South and Central America). It's violent crime rate is half that of most of the United States with the popular cities of Cuenca and Loja being the safest.",
"title": ""
},
{
"docid": "b73728357577f4c8e0b064fede49034e",
"text": "Jungles, Coastal Plains and Highlands - The Diverse Geography of Ecuador These statistics include the Galapagos Islands which form part of Ecuador. As the name Ecuador might suggest, the country is located on the equator, with its neighboring countries being Columbia to the north and Peru on the south and east border.he geography of Ecuador is quite diverse for a country that only covers a total of 283,560 square kilometers-of which 6,720 square kilometers is made up of water.",
"title": ""
},
{
"docid": "aec5a0ff1f490cff094ac59bdaa25fa4",
"text": "Galápagos Islands The Galapagos are an archipelago of volcanic islands that span across the equator line. The Galapagos Islands are located in the Pacific Ocean, 926 km (575 mi) west of Ecuador, South America, and are an offshore territory of Ecuador. The islands are home to over 25,000 people clustered in small towns, the capital is Puerto Baquerizo Moreno.",
"title": ""
},
{
"docid": "34ee465d2ae978e4587d71a58aa3cdf9",
"text": "Ecuador Ecuador is a country in Northwestern South America, with a Pacific Ocean coastline, lying on the Equator between Colombia, to the northeast, and Peru, to the south and east.Cotopaxi is the world's highest active volcano. Many cities and sites in Ecuador are listed as UNESCO World Heritage Sites.cuador is the most biodiverse country in the world. Ecuador has over one hundred different types of hummingbirds and thousands of orchid varieties. Cuyabeno Wild Life Reserve, Mindo and San Luis de Pambil are all good places to see many types of flora and fauna.",
"title": ""
},
{
"docid": "f7128e850a1c3c61bad27c5a07c85e82",
"text": "What is the capital of Ecuador? Quito (official name: San Francisco de Quito) is the capital city of Ecuador in northwestern South America. It is located in northern Ecuador (see NG MapMachine satellite map) in the Guayllabamba river basin on the eastern slopes of the Pichincha [1] (15,728 ft; 4,795 m), an active stratovolcano in the Andes mountains.uito (official name: San Francisco de Quito) is the capital city of Ecuador in northwestern South America. It is located in northern Ecuador (see NG MapMachine satellite map) in the Guayllabamba river basin on the eastern slopes of the Pichincha [1] (15,728 ft; 4,795 m), an active stratovolcano in the Andes mountains.",
"title": ""
},
{
"docid": "492888725d7f8bc6576519c701e80a6e",
"text": "How To Get To The Galapagos When flying into the country of Ecuador, you can choose to arrive either to the Andean capital city of QUITO or to the costal city of GUAYAQUIL. QUITO is Ecuador’s capital, a city of just over 2 million people located in the Andes Mountain Range at 2,800 meters / 9,180 ft. above sea level.",
"title": ""
},
{
"docid": "912d82131cb25598626c62fc8351891a",
"text": "- The Western Roman Empire falls in476, leaving the Byzantine Empire as the only Roman state. The Period of Justinian I and his successors (5 27–610 AD): Justinian attempts to reconquer the west, he creates the Justianianic code, andembarks on a great building project including the construction of the HagiaSophia.",
"title": ""
},
{
"docid": "ce794fd144f8dcd61c003fff52afa29f",
"text": "ECUADOR Ecuador's only territory, administered as a province since 1973, is the Archipelago of Columbus (Archipi é lago de Col ó n), more commonly known as the Gal á pagos Islands, after the Spanish name for the large land tortoise found there.",
"title": ""
},
{
"docid": "a92848ee49e128c2e39dc7f40bda8983",
"text": "- The Amazon rainforest region of Ecuador consists of the easternmost area of the country, east of the Andes and descending towards the Amazon basin. This region shares borders with Colombia and Peru and contains part of the Amazon rainforest, as well as rivers, waterfalls and humid lowlands.",
"title": ""
},
{
"docid": "302c671769405df3d2327b241cd6db4d",
"text": "Danny Moder Bio Danny Moder was born on January 31, 1969, in Los Angeles, California, United States. He is of Caucasian descent and holds an American nationality. He is the son of Mike Moder(father) and Patricia Ann Watz(mother) and has four siblings named John, Jyl, Jane, and Debbie.",
"title": ""
},
{
"docid": "3b95ea96071a8734e610046cdd1ef857",
"text": "Map of Ecuador Map of Ecuador: Map of the World Map of South America Map of Ecuador.Map-Ecuador. Google-Ecuador. Earth-Ecuador. Weather-Ecuador. World Map Finder, Map of Ecuador. The best web resource for Map of Ecuador. World Map Finder-helping you find your way.cuador. Ecuador, officially the Republic of Ecuador is a representative democratic republic in South America, bordered by Colombia on the north, by Peru on the east and south, and by the Pacific Ocean to the west. It is one of only two countries in South America (with Chile) that does not have a border with Brazil.",
"title": ""
},
{
"docid": "8b6da393cac087ebc3ff52831b43e392",
"text": "Ecuador [ekwaˈðor]), officially the Republic of Ecuador (Spanish: Republica república Del, ecuador which literally translates As republic of The ), equator is a representative democratic republic in Northwestern South, america bordered By colombia on the, North peru on the east and, south and The Pacific ocean to the. westcuador has 1,600 bird species (15% of the world's known bird species) in the continental area and 38 more endemic in the Galapagos. Galápagos in addition to 16,000 16000 species of, plants the country has 106 endemic, reptiles 138 endemic, amphibians 6,000 6000 species of. butterfly",
"title": ""
},
{
"docid": "d0b070580029ac8a001f0f7591e272cf",
"text": "Quito Our Location. Ecuador is located in the northwest corner of South America, bordered by the Pacific Ocean to the west, Columbia to the north and Peru to the west and south. Flights to Quito; the capital city of Ecuador, and Guayaquil; Ecuador’s largest cities are under 4 hours from Miami.",
"title": ""
},
{
"docid": "21690efbaf9758be788638b73b0e7ecc",
"text": "- Basic Shifting: Basic shifting is simple: just hit the shift buttons or paddles, and the MasterShift™ Auto Shifter will push or pull the shift cable to place the transmission lever in the requested position, as you would have done manually before you had it.",
"title": ""
},
{
"docid": "ff80477c50b0527a211ff89f6159d0c9",
"text": "- Crucita, is one of the favorite beach destinations Ecuador. Located in the canton of the same name, 40 km from Manta, 45 km Bahia de Caraquez and only 28 km from the capital of the province of Manabi Portoviejo. This site is the most visited beach resort in Ecuador, thanks its pleasant climate all year round.",
"title": ""
},
{
"docid": "293ca18cf0351a2741c2c64a716cfe85",
"text": "Ecuador: Introduction Ecuador: Introduction. Ecuador is a country in South America bordered by Colombia, Peru, and the Pacific Ocean. The country also includes the Galapagos Islands in the Pacific west of the mainland.Ecuador has a tropical and mountainous terrain and hosts the highest active volcano in the world.The government system is a republic.cuador is a country in South America bordered by Colombia, Peru, and the Pacific Ocean. The country also includes the Galapagos Islands in the Pacific west of the mainland.",
"title": ""
},
{
"docid": "334bfcecdacb1c57087eaf84d377968e",
"text": "Babahoyo Ecuador, country of northwestern South America. Ecuador is one of the most environmentally diverse countries in the world, and it has contributed notably to the environmental sciences.",
"title": ""
},
{
"docid": "9ca14ceed57fd5801f593dcaecb81389",
"text": "- About Ecuador. Ecuador is situated along the north west coast of South America, and it borders the countries of Peru and Columbia. Ecuador’s capital is Quito which is less than 15 miles from the equator. The Galapagos Islands are considered a province of Ecuador.",
"title": ""
}
] |
msmarco_passage
|
8121072fee803ccc7bb257af87d66f22
|
cost of nicotine poisonings
|
[
{
"docid": "954e3dda4e20b859a8a4e5fb34a15415",
"text": "- Cost of Nicotine Poisoning in Dogs. Nicotine Poisoning can be an expensive treatment in dogs and can range from $300.00 to $3000.00 depending on the cost of living and severity of your Dog's nicotine poisoning. On average, the national cost of treating nicotine poisoning in dogs is $450.00.",
"title": ""
}
] |
[
{
"docid": "719b2d01e19c7b36d129c4b8d1595466",
"text": "E-Cigarette Overdose: How Much Liquid Nicotine Would It Take To Kill You? The Centers for Disease Control and Prevention says 60 milligrams of nicotine is enough to kill a 150-pound adult. That's alarming! Because some e-cigarette juice formulas pack as much as 72 milligrams per refill.",
"title": ""
},
{
"docid": "79860bbf2fb0e1ef36425daa048278bb",
"text": "Reynolds expanding sales of gum aimed at helping smokers quit Zonnic is being sold in packages of 10 pieces in mint, fruit and cinnamon flavours in two different nicotine strengths for about $3.70 per pack, compared with the national average price for premium cigarettes of $5.80 for a pack of 20.onnic is being sold in packages of 10 pieces in mint, fruit and cinnamon flavours in two different nicotine strengths for about $3.70 per pack, compared with the national average price for premium cigarettes of $5.80 for a pack of 20.",
"title": ""
},
{
"docid": "f68adbefa789ef0d3a8f06af361802d6",
"text": "Inside New York Cityâs Dangerous, Multimillion-Dollar Cigarette Black Market The financial incentive for smuggling cigarettes is clear. If the bodega owner were to go about it the legal way, buying a pack of cigarettes at the wholesale price of $12.50, then retailing that pack for $13, he only makes 50 cents profit. Each pack of cigarettes smuggled from out of state wholesales for about $5.50.",
"title": ""
},
{
"docid": "5aae7c48ca856a3dc2f3e3d177875554",
"text": "7 Huge Detrimental Effects of Smoking Today a pack of cigarettes costs about $6/pack. The price varies based on location and taxes, but let’s use $6/pack for calculations. At $6/pack, if someone smokes 1 pack a day every day, the annual expenditure on cigarettes is $2190/year.he secret is out – smoking causes harm to the body. Anything from smoking a cigarette to inhaling the toxic fumes from cigarettes around you can cause unwanted, detrimental effects.",
"title": ""
},
{
"docid": "055fac745270db4251cad60772da62b1",
"text": "- Published Thursday, September 4, 2014 10:33AM EDT. RICHMOND, Va. -- Cigarette maker Reynolds American Inc. is taking its Zonnic brand nicotine gum nationwide, challenging the pharmaceutical industry's hold and pricing power of the market for products to help people stop smoking.onnic is being sold in packages of 10 pieces in mint, fruit and cinnamon flavours in two different nicotine strengths for about $3.70 per pack, compared with the national average price for premium cigarettes of $5.80 for a pack of 20.",
"title": ""
},
{
"docid": "d64ab5aa5fa063df4bc9f1a52cb7fc11",
"text": "How Much do E-Cigarettes Cost? Comparing the Cost of E-Cigarettes to Tobacco Cigarettes. Although many smokers in the United States pay far more than this, the average price of a pack of cigarettes is about $5.50 after all of the necessary taxes are applied. If you smoke one pack of cigarettes a day, your nicotine intake costs around $165 per month and $2,000 per year. If you live in a more expensive smoking state such as Hawaii, the yearly cost is closer to $3,500. By comparison, it costs around $800 per year to use e-cigarettes, including the cost of your first starter kit and the occasional need to buy new accessories such as atomizers and batteries.",
"title": ""
},
{
"docid": "77d53fe1725726758d731ce3ea3aa638",
"text": "The Surprising Cost of a Pack a Day in All 50 States Based on the numbers above, even in Virginia, where cigarettes are cheapest, a pack-a-day smoker would fork over nearly $2,000 per year. If they smoke at the same rate for the next 20 years and the price of cigarettes doesn't change, they will have given up more than $38,000.",
"title": ""
},
{
"docid": "b805c59dc83a49baac3cec8d74cefa9c",
"text": "Is Nicotine Really as Dangerous as Cyanide? The account is remarkably consistent with what we now know of severe nicotine poisoning, but it deviated from the facts in one key respect. By the self-experimenters' reports, this deleterious chain of symptoms was set in motion after they ingested a mere 4 milligrams of nicotine.",
"title": ""
},
{
"docid": "cd07ea34936fbfc20fd4eac123803deb",
"text": "- Other Risks. 1 Using smokeless tobacco increases the risk for death from heart disease and stroke.1,3. 2 Smokeless tobacco can cause nicotine poisoning in children.4. 3 Additional research is needed to examine long-term effects of newer smokeless tobacco products, such as dissolvables and U.S. snus.",
"title": ""
},
{
"docid": "5ce0f174164560b9cad6df18d201d9a8",
"text": "Signs And Symptoms Of Addiction 1 Even cigarettes, which in some countries, such as the UK, parts of Europe and the USA cost over $11 dollars for a packet of twenty-a 40-a-day smoker in such an area will need to put aside $660 per month, nearly $8,000 per year. 2 Relationship problems-these are more common in drug/alcohol addiction.",
"title": ""
},
{
"docid": "d1d8ff64f119cd8dffb3a8fccb7ebce5",
"text": "Nicotine poisoning Nicotine poisoning describes the symptoms of the toxic effects of nicotine following ingestion, inhalation, or skin contact. Nicotine poisoning can potentially be deadly, though serious or fatal overdoses are rare. Historically, most cases of nicotine poisoning have been the result of use of nicotine as an insecticide.",
"title": ""
},
{
"docid": "85874b925c4f2bf1212268e74bdf102d",
"text": "- Current calculation is based on smoking 10 cigarettes per day at an average cost of $5.95 a box in National Average according to the latest statistics from http://www.tobaccofreekids.org Item Added! x has been added to your shopping cart.",
"title": ""
},
{
"docid": "4fad0aeb4680eb7849af0eb9f4bb9025",
"text": "Is Nicotine Really as Dangerous as Cyanide? By the self-experimenters' reports, this deleterious chain of symptoms was set in motion after they ingested a mere 4 milligrams of nicotine. For comparison, that's roughly equivalent to the amount absorbed after smoking just four cigarettes! That can't be right.",
"title": ""
},
{
"docid": "30c1632e780dc862d64ae1714c390ff4",
"text": "- According to their annual estimates per smoker, excess absenteeism costs an average of $517 per year; “presenteeism,” or reduced productivity related to the effects of nicotine addiction, $462; smoke breaks, $3,077; and extra health care costs (for self-insured employers), $2,056.Email this to a friend.OLUMBUS, Ohio – A new study suggests that U.S. businesses pay almost $6,000 per year extra for each employee who smokes compared to the cost to employ a person who has never smoked cigarettes.",
"title": ""
},
{
"docid": "77d769229ad9ba8bc4384fa826e83ee9",
"text": "- It is the users responsibility to check the validity of all calculated values. The Tobacco Cost Calculator Requires Flash Player 9.0 FLASH Player Download Page. The annual cost of tobacco use is more than $50 billion in direct medical costs, for a total of 97 billion in health care costs and lost productivity.If every smoker would smoke one less cigarette per day it would cost the tobacco industry one to two billion dollars per year.In 2007, the US Centers for Disease Control an d Prevention estimated that the heath care costs associated with smoking were $10.28 per pack. (Lexington Herald Leader Nov 25, 2007).f every smoker would smoke one less cigarette per day it would cost the tobacco industry one to two billion dollars per year. In 2007, the US Centers for Disease Control an d Prevention estimated that the heath care costs associated with smoking were $10.28 per pack. (Lexington Herald Leader Nov 25, 2007).",
"title": ""
},
{
"docid": "be5d8c4ded00aeefb45efd44e5b6ea13",
"text": "Nicotine High-Toxicity Myth Destroyed A new LD50 for nicotine. Prof Graz does not suggest a new LD50 (median lethal dose) for nicotine, but an estimate would appear to be 750mg (halfway between his opinion of the lethal dose minimum and maximum). This is more than 12 times the current figure of 60mg. new LD50 for nicotine. Prof Graz does not suggest a new LD50 (median lethal dose) for nicotine, but an estimate would appear to be 750mg (halfway between his opinion of the lethal dose minimum and maximum). This is more than 12 times the current figure of 60mg.",
"title": ""
},
{
"docid": "8c69f87499a39bc46170d40ca6b6c41b",
"text": "- In its liquid form, nicotine is a powerful poisonthe injection of even one drop would be deadly. It is the nicotine, not the smoke, that causes people to continue to smoke cigarettes, but it is the cigarette smoke that causes many of the problems.Cigarette smoke is a combination of lethal gasescarbon monoxide, hydrogen cyanide, and nitrogen and sulfur oxidesand tars, which contain an estimated 4,000 chemicals.n its liquid form, nicotine is a powerful poisonthe injection of even one drop would be deadly. It is the nicotine, not the smoke, that causes people to continue to smoke cigarettes, but it is the cigarette smoke that causes many of the problems.",
"title": ""
},
{
"docid": "55fc4ce24386c372f2a7b4045a669db0",
"text": "Smoking Can Cost You $1 Million to $2 Million in a Lifetime Because the average price of a pack of cigarettes varies widely around the country—$5.25 in Virginia, $8 in Michigan, $12.85 in New York—the lifetime outlay varies greatly from state to state as well.",
"title": ""
},
{
"docid": "fce6daf3a8612afe8beb150197b1c766",
"text": "- AHRQ estimates that 60,000 people die each year as a result of preventable pressure ulcers, at an annual cost of $9.1B – $11.6B. Yes, that’s a “B” for billion. Coming back closer to home, pressure ulcer development can increase risk of infection, induce pain, impair functional status, and decrease overall quality of life.",
"title": ""
},
{
"docid": "afef1e403427bd7840bb64d56e77d1fd",
"text": "- It ledto $23 billion in lost productivity and almost $145 billion in reduced quality of life (in 1989 dollars).If associated deaths and cases resulting in psychological injury only arc included, costs average $47,000for rape, $19,000 for robbery, $15,000 for assault, and $25,000 for arson.",
"title": ""
},
{
"docid": "7c8965800ef1e9a11f5707540a572620",
"text": "âShake-And-Bakeâ Meth: Patients Burned By Making Methamphetamine In Soda Bottle An Associated Press survey of key hospitals in the nation's most active meth states showed that up to a third of patients in some burn units were hurt while making meth, and most were uninsured. The average treatment costs $6,000 per day.",
"title": ""
},
{
"docid": "0929f60c7fa60bbb9bea44015b88a071",
"text": "The Truth About E-Cigarettes: A Potential Poisoning Hazard The Truth About E-Cigarettes: A Potential Poisoning Hazard. Posted: September 14th, 2010 | Tags: children, e-cigarettes, electronic, EPA, FDA, Illinois Poison Center, nicotine, parents, safety | 8 Comments ». Tony Burda DABAT and Sheri VanOsdol Pharm.D.",
"title": ""
},
{
"docid": "a20823ada24cc5ce8343aa8927358c69",
"text": "- Do not smoke while you're using a patch, as that can overload your system with nicotine and cause nicotine poisoning, which includes many of the side effects noted above. Used correctly, the nicotine patch can be an important part of a successful plan to quit smoking. 1 Basics. 2 Psychological Approaches.3 Management.he nicotine patch is available at a wide variety of stores and has an average cost per day of $4. There are two types of nicotine patches: 1 16-hour patches are for light-to-average smokers. 2 They are less likely to cause side effects, but don’t help with morning cigarette cravings.",
"title": ""
},
{
"docid": "ae00719c66043519b5bd317398cecf94",
"text": "- 785-532-0844. JP's is the heart of Jardine Apartments, bringing residents and the Manhattan community together around a table filled with excellent food that's sourced locally when possible.",
"title": ""
},
{
"docid": "747733e52c035de74d7016c8b1a2d4d5",
"text": "How much does the average smoker spend on cigarettes each year? The average cost of a pack of cigarettes is $4.50 to $5.00, plus taxes. A smoker who smokes a pack a day will, on average, spend about spends $49 dollars a week, $208 dollars … a month, and $2,548 a year. This is based on a $5 pack price with $2 for taxes. Prices and taxes vary greatly by state and country.",
"title": ""
}
] |
msmarco_passage
|
c06d92a1e38846ccb710717e8d66d804
|
can a solicitor appoint another executor
|
[
{
"docid": "64020787a62344b7b55758640072eb95",
"text": "Appointing Executors You can appoint a professional executor such as a solicitor to act as your executor in your Will. At Browne & Murphy Solicitors we have over 10 years experience in the administration of estates and can act on your behalf and administer your estate in an independent, efficient and professional manner.hile one Executor is sufficient it is wiser to appoint more than one. As the situation can arise that the executor you have appointed in your Will in not able to act. There is no limit on the number of executors that you can appoint in your Will, but problems can arise if too many executors are appointed.",
"title": ""
}
] |
[
{
"docid": "1c629900eaf76a98be2b6aca04c73f9d",
"text": "Beware the curse of the unwanted executor Appointing us to act as the executor of the estate is a decision that clients positively make to help their estate in a difficult time, and in full awareness of our fees. It is certainly not a pre-requisite for clients to use the executor service, said Barclays.he law states that if a bank, solicitor or will-drafter is named as an executor or joint executor in a will, they have the absolute right to act and can be removed only by making an application to the High Court, which would incur fees well beyond most people.",
"title": ""
},
{
"docid": "14c19a61de5072408457f223406ec8b5",
"text": "Is it possible to remove an executor from an estate? The executor of a will has a duty to the testator to carry out the terms and conditions of the will upon the testator’s death. During life, the testator can easily remove the executor from the will and replace him with another.",
"title": ""
},
{
"docid": "8c4d500991eff09044dbe1b0d8c1889c",
"text": "Executor & Trustee Guidelines If you have been named executor of a will, these guidelines may help you understand what’s expected of you. You can also use them to determine if you would rather not serve as executor. If you determine you would rather not act as the executor, the will may name an alternative or an attorney can help you petition the courts to have another executor appointed if necessary.",
"title": ""
},
{
"docid": "2fba4b1f3c54347b3004e804e4d9e684",
"text": "FAQ: Who May Serve as Executor of a Will in New York? Most wills name an alternate executor, which is important when the named executor does not serve. In some situations, the will does not name an alternate executor or the alternate executor cannot or will not serve. If this is the case, a person not named in the will might seek to be appointed to represent the estate.",
"title": ""
},
{
"docid": "2a8b3c7c3d94eb1f3f9acac44032886e",
"text": "Can an Executor of a Will Also Be a Beneficiary? A person named as executor of a will is responsible for carrying out someone’s wishes about how his property is dispersed after death. The person making the will chooses the executor and names him in the will. He can appoint an individual or an institution, such as a bank or trust company, to act as executor. The executor must see to it that all debts and taxes are paid from the deceased’s estate and that whatever is left is distributed, as specified in the will, to people and organizations named in it as beneficiaries.",
"title": ""
},
{
"docid": "33fafb62483f31a78bc9c322f0e90fcf",
"text": "Can the Beneficiary Be the Executor of a Will? Actions taken by an executor during the probate of an estate are usually monitored by the court, so the opportunity for any actual wrongdoing by an executor who is also a beneficiary is limited. If your estate is small and all your beneficiaries are next-of-kin, the choice of an executor may not be as critical.isadvantages. Since the job of an executor is to pay your debts and taxes, then distribute the balance of your estate to the beneficiaries, it creates a conflict of interest for a beneficiary to disburse funds from the estate that would otherwise go to him if those debts were declined for payment.",
"title": ""
},
{
"docid": "906b5c7b5efffd1f8726b141794a2689",
"text": "Can The Beneficiary Of My Estate Also Be My Executor? I ’ve received several emails the past few weeks asking whether it is possible for a beneficiary of an estate to also serve as executor. Naming someone as the executor of your estate does not preclude him or her from inheriting from you. In fact, the executor can and often is a beneficiary of the estate.",
"title": ""
},
{
"docid": "c395d2de4a2b923fe38aaeae1488bf2c",
"text": "- Solicitors can provide you with essential advice on: 1 existence of a duty of care. 2 scope of that duty. 3 quality of the advice that is given by the professional. 4 issue of causation. 5 duty to mitigate, and. 6 measure of compensation.",
"title": ""
},
{
"docid": "ed2671f545067a7cd920b740f7158c57",
"text": "- If an executor isn't named in the will, the probate court MUST appoint according to these rules, but that doesn't stop anyone else with a family interest in the estate from contesting it. Say, the oldest surviving son is in jail for financial or insurance fraud.f an executor isn't named in the will, the probate court MUST appoint according to these rules, but that doesn't stop anyone else with a family interest in the estate from contesting it. Say, the oldest surviving son is in jail for financial or insurance fraud.",
"title": ""
},
{
"docid": "1664b21d129db626421ad65d03dab461",
"text": "Can my executor also be a beneficiary? I am often asked by people planning their Wills whether it is possible for a beneficiary under their Will to also be named as the executor. This is particularly common in family situations when of course people want to name their own spouses and children as both beneficiary and executor.n Alberta there is no law that excludes someone from being both beneficiary and executor. This is done all the time, for example where a married couple name each other as their executors and also leave their estates to each other.",
"title": ""
},
{
"docid": "d3030cc7def6b336a4d37c13971271bc",
"text": "How to Change the Executor of a Will The executor of your will is the person who will carry out the instructions in your will when you die, according to the American Bar Association. This person will be responsible for paying any remaining debts you have and for distributing your property to the beneficiaries you name.",
"title": ""
},
{
"docid": "45ae7b1c03d83f2f394cc3cd70b356d5",
"text": "Can an executor who wants to buy one of the heirs out of real⦠Can an executor who wants to buy one of the heirs out of real estate property, legally put his on price and get away with paying the heir what ever he wants.. No, if the heir does not agree with the price of the property, they can refuse to sell and ask the probate court to order an appraisal on the property to determine its fair market value..",
"title": ""
},
{
"docid": "2b3fc60f344b949769dbe5ba90c7e7cd",
"text": "Can a beneficiary of a will act as executor? The only time that an executor who is not a beneficiary should be named is if a beneficiary is under the age of 18 because someone under this age cannot inherit his/her share until they reach 18. The only thing a beneficiary can't do is be a witness of that will.",
"title": ""
},
{
"docid": "b122caa6fa73e4d52616ce47bfc6e982",
"text": "- The person dealing with the estate of the person who has died is called an executor or an administrator. An executor is someone who is named in the will as responsible for dealing with the estate. An executor may have to apply for a special legal authority before they can deal with the estate. This is called probate.he probate fee. The fee for applying for probate or letters of administration depends on the value of the estate. There is no fee where the value of the estate is less than £5,000. The fee for an estate valued at £5,000 or more is £215.",
"title": ""
},
{
"docid": "32f92ec641c7a699403acc9c13682329",
"text": "- I don't have to act as the executor if I don't want to. I can shake my head and refuse to talk and the court will appoint someone. Or, I could hire someone (a lawyer perhaps) to do the work and pay for it out of the estate. I don't think you can be forced to do things by someone's will.n executor can decline to serve, and then someone else has to be appointed. My aunt died recently, and her will appointed one of her sisters-in-law as executor. But she was in poor health herself, lived about 250 miles away, and hadn't had much interaction with the relatives named in the will for several years.",
"title": ""
},
{
"docid": "4f87975164272a0d68b14598b8b3fbcd",
"text": "Background For example, the executor of a $2 million probate estate would be entitled to at least $58,550. If the will named two or more executors, they share the total fee, which can’t be more than double the minimum for one representative. An attorney doing estate work is entitled to the same minimum fee schedule, but if the executor is also the estate’s attorney, he can’t double-dip.",
"title": ""
},
{
"docid": "ce8878843c4b1062aa27345db53a57fa",
"text": "Probate If there is a will, this person is usually named in the will and is called an executor. If there is no will or no person is named in the will, this person is appointed by the probate court and is called an administrator. The executor or administrator may be an individual, a bank or a trust company.",
"title": ""
},
{
"docid": "9a9ee0b53c7c5f76a25b77a298da1ea1",
"text": "Can You Shop at Costco without a Membership? Yes! Here are 6 Ways People commonly name a family member as the executor. This same person is also often a beneficiary of the will. This is allowed in most states as long as the person's interest in the estate is not in dispute. If you want to rewrite your will to name one of its beneficiaries as the executor, you can do so at any time.",
"title": ""
},
{
"docid": "90e100f74978d23eef1c08ae82b6e76c",
"text": "Chapter 2f: Appointing an executor Appointing a third party as executor. If you don't have a close relative or friend to name as executor, you might consider appointing a lawyer, the NSW Trustee and Guardian or a private trustee company. If you appoint a lawyer, it can be the lawyer who prepared the will, although this is not essential.he executor is responsible for seeing that the terms of the will are carried out, defending it against any challenge and applying for probate if necessary. Anyone over the age of 18 can be appointed executor. Usually a major beneficiary is nominated.",
"title": ""
},
{
"docid": "7a17e59ce9092faf7fc812f70e869446",
"text": "Appointing Executors While it is permissible to appoint one executor, it is better to appoint two or more, so that if one of your executors dies before you do, the surviving executor(s) can take on the responsibility.Here are some points to consider. 1 You may appoint up to 4 executors.here are different types of professionals that you can appoint as your executors. They are: 1 Solicitors-With this option, your estate would be administered by someone with relevant legal experience and expertise. 2 The solicitor's fees would be paid from your estate.",
"title": ""
},
{
"docid": "437b5e1a61c04e2ea4f39e7b5d4e680f",
"text": "- If you sign the Waiver and Consent, you are stating that you agree that your father’s Will is a valid and that you consent that the person nominated in the Will may be appointed as the Executor of the Estate.",
"title": ""
},
{
"docid": "647b23355c290dc7f6c7c34d85c363bf",
"text": "How Does Divorce Affect a Previously Signed Last Will and Testament? So if you previously signed a will that gave all your worldly possessions to your spouse, and named him or her as the executor of your will, but then divorced, those you named as contingent beneficiaries would take under the will, and those you named as alternate fiduciaries (executors or trustees) would be called on to act.",
"title": ""
},
{
"docid": "7892434a4f9a16126ce091ed1d55f24c",
"text": "What if the Executor of a Will Is Dead? Named Executor Died First. Since you may write your will many years before your death, it is possible that the executor named in your will might die before you. In that type of situation, the court will determine if you have named any alternate executors or co-executors in your will.If so, the court will probably appoint one of those individuals unless all of them are unavailable because of death, incapacity or unwillingness to serve.n that type of situation, the court will determine if you have named any alternate executors or co-executors in your will. If so, the court will probably appoint one of those individuals unless all of them are unavailable because of death, incapacity or unwillingness to serve.",
"title": ""
},
{
"docid": "065d316138b5c8440e8b9630fbeacf9d",
"text": "- Often times the answer will be yes because naming the same person as your executor of your will and successor trustee of your revocable living trust will minimize expenses since the attorney helping to settle the estate and trust will only have one person to work with to address all of the issues that come up.",
"title": ""
},
{
"docid": "a180a2ea4540dbf1bba1ddf7fba31bc4",
"text": "- Generally, it’s up to the beneficiaries (or estate creditors) to go to probate court and prove that the executor needs to be replaced. Each state has its own rules about what constitutes reason for removal, but courts will remove an executor who: can’t carry out the executor’s duties; doesn’t comply with a court order",
"title": ""
}
] |
msmarco_passage
|
13530ac5002c04baa21e9ec9a2c1f184
|
what is buspirone and its use
|
[
{
"docid": "d681b8cad7fa7b11412c0b9f39255144",
"text": "- Buspirone (/ˈbjuːspᵻroʊn/ BEW-spi-rohn), trade name Buspar, is an anxiolytic psychotropic drug of the azapirone chemical class. It is primarily used to treat generalized anxiety disorder (GAD). Unlike most drugs predominantly used to treat anxiety, buspirone's pharmacology is not related to benzodiazepines or barbiturates, and so does not carry the risk of physical dependence and withdrawal symptoms for which those drug classes are known.",
"title": ""
}
] |
[
{
"docid": "88031c4465ddab4f6b337c3b35620ef6",
"text": "Buspar INDICATIONS. BuSpar (buspirone) is indicated for the management of anxiety disorders or the short-term relief of the symptoms of anxiety. Anxiety or tension associated with the stress of everyday life usually does not require treatment with an anxiolytic.",
"title": ""
},
{
"docid": "729185c9de5246fdb8f3b52d3a19ec1b",
"text": "Generalized Anxiety Disorder Azapirones, such as buspirone (BuSpar), act on serotonin receptors called 5-HT(1A). Buspirone appears to work as well as a benzodiazepine for treating generalized anxiety disorder. It usually takes several days to weeks for the drug to be fully effective. It is not useful against panic attacks.",
"title": ""
},
{
"docid": "5059cd882bda8929f8defe2f86037a96",
"text": "What Is Bupivacaine? Bupivacaine is used as a local (in only one area) anesthetic. Bupivacaine is given as an epidural injection into the spinal column to produce numbness during labor, surgery, or certain medical procedures.Bupivacaine is also used as an anesthetic for dental procedures.Bupivacaine may also be used for purposes not listed in this medication guide.upivacaine is given as an epidural injection into the spinal column to produce numbness during labor, surgery, or certain medical procedures. Bupivacaine is also used as an anesthetic for dental procedures.",
"title": ""
},
{
"docid": "72e8a24b2ccf5e94c95fe1fef353a4ea",
"text": "- Some of the most prescribed drugs in this class include: Buspirone (generic). The most affordable medications in this class include: The information provided on DrugPriceInfo.com is intended to supplement, not substitute for, the expertise and judgment of healthcare professionals.",
"title": ""
},
{
"docid": "196385fb64398811469bbe320238ec05",
"text": "Buspirone Medical uses[edit] Buspirone is approved in the United States by the FDA for the treatment of anxiety disorders and the short-term relief of the symptoms of anxiety. Likewise in Australia, buspirone is licensed for the treatment of anxiety disorders.",
"title": ""
},
{
"docid": "a74c007a1b732dbfe87695a6e3a422d2",
"text": "Buspirone Full Prescribing Information Buspirone, BuSpar is used for the treatment of nervousness and anxiety. Uses, dosage, side effects of BuSpar. Outside U.S., Brand Names also known as: Ansial; Ansiced; Ansitec; Anxinil; Anxiolan; Barpil; Bespar; Biron; Busirone; Buspirone; Kallmiren; Narol; Nerbet; Neurosine; Normaton; Paxon; Relac; Sburol; Tutran. Contents:",
"title": ""
},
{
"docid": "99090ee585ce6d08e133a00567b4da41",
"text": "Buspirone (BuSpar) What Is Buspirone And What Does It Treat? Buspirone is in a class of medications called anti-anxiety medications. Buspirone is not related to other anti-anxiety medications, such as benzodiazepines, barbiturates or other sedative/ anxiolytic drugs. It is approved for the treatment of generalized anxiety disorder (GAD).",
"title": ""
},
{
"docid": "a51a72c75a3bb228a47d9858e05b2e24",
"text": "Buspirone (By mouth) Uses of This Medicine. Buspirone is used to treat certain anxiety disorders or to relieve the symptoms of anxiety. However, buspirone usually is not used for anxiety or tension caused by the stress of everyday life. It is not known exactly how buspirone works to relieve the symptoms of anxiety. Buspirone is thought to work by decreasing the amount and actions of a chemical known as serotonin in certain parts of the brain. This medicine is available only with your doctor's prescription.",
"title": ""
},
{
"docid": "7bd7e390f8684f9d4983e2247af49f6c",
"text": "- Possible side effects from buspirone include: 1 Dizziness. 2 Headaches. 3 Nausea. 4 Nervousness. 5 Lightheadedness. 6 Excitement. 7 Trouble sleeping.",
"title": ""
},
{
"docid": "374dcc999becfb3604e385defcd4605b",
"text": "- What is BuSpar Used to Treat? BuSpar® is the brand name of the drug Buspirone. It is prescribed to treat anxiety disorders as well as short term treatment for anxiety symptoms such as fear, tension, and anxiety. BuSpar also used for treatment of physical symptoms of anxiety such as a pounding heartbeat, sweating and dizziness.",
"title": ""
},
{
"docid": "ae2bb09d86c389b5cc88f5bec8bddcaf",
"text": "pamidronate (Aredia) What is pamidronate? Pamidronate is in a group of medicines called bisphosphonates (bis FOS fo nayts). It alters the cycle of bone formation and breakdown in the body. Pamidronate is used to treat high levels of calcium in the blood related to cancer (also called hypercalcemia of malignancy). Pamidronate is also used to treat Paget's disease of bone. Pamidronate is used to treat bone damage caused by certain types of cancer such as breast cancer or bone marrow cancer.",
"title": ""
},
{
"docid": "53ddeb41d64a7e06d48dec758e504489",
"text": "Buspar (buspirone) Buspar (buspirone) Buspar is used to treat anxiety and for the short term treatment of anxiety disorder. It has a direct effect on the neurotransmitters in the brain making it effective in treating mood disorders associated with addiction.",
"title": ""
},
{
"docid": "f09d55524ad9c1df8a5f3e1bea7aa23a",
"text": "What Is Buspirone (BuSpar)? Taking buspirone with MAOIs can cause a dangerous increase in blood pressure. Research has shown that the safety of buspirone does not vary by age. For short-term use (no more than six weeks), it's as safe in people 65 and older as in other adults and in children six to 17. However, long-term safety of buspirone in children is unknown.",
"title": ""
},
{
"docid": "0677194ba552bbd11b2d0dbe77dca677",
"text": "buscopan buscopan. Buscopan (hyoscine butylbromide) is an anti-spasmodic, which works by relaxing the muscles in the gut wall. Buscopan Plus is also available, containing butylscopolamine and paracetamol, although Buscopan Plus is targeted more at women with painful periods.uscopan comes in tablet form and is swallowed with water. The most common side effects of Buscopan are a dry mouth, a faster heart rate and skin reactions.",
"title": ""
},
{
"docid": "777726b6b400703042a05e54f37fcb88",
"text": "Buspirone (BuSpar) Generic name: buspirone (byoo SPYE rone) Medication class: anxiolytic (anti-anxiety) Buspirone is in a class of medications called anti-anxiety medications. Buspirone is not related to other anti-anxiety medications, such as benzodiazepines, barbiturates or other sedative/ anxiolytic drugs. It is approved for the treatment of generalized anxiety disorder (GAD).",
"title": ""
},
{
"docid": "7108a628c30512a6a0d69be9f875796f",
"text": "Anxiety Medications for Dogs Buspirone is Dr. Dodman's first choice for treating generalized anxiety and noise phobias, but he says it's important to give a high enough dosage. He recommends starting with 1 mg/kg twice a day, increasing to twice as much (1 mg per pound of body weight twice a day) if needed.",
"title": ""
},
{
"docid": "438d8f983a7c9798e4d789f7a884e9af",
"text": "buspirone Patients taking buspirone should not drink grapefruit juice, since the juice (even well after a dose of buspirone is taken) can increase the amount of buspirone in the blood, possibly leading to side effects. Inactivation and removal of buspirone is mediated by liver enzymes.",
"title": ""
},
{
"docid": "6f17df5b57a61d25db301733ed24c20d",
"text": "Buspirone (By mouth) Buspirone is used to treat certain anxiety disorders or to relieve the symptoms of anxiety. However, buspirone usually is not used for anxiety or tension caused by the stress of everyday life. It is not known exactly how buspirone works to relieve the symptoms of anxiety.",
"title": ""
},
{
"docid": "4e2745a4dbb2bf387678c61e7f4de7e0",
"text": "Buspirone Full Prescribing Information Buspirone hydrochloride tablets are indicated for the management of anxiety disorders or the short-term relief of the symptoms of anxiety. Anxiety or tension associated with the stress of everyday life usually does not require treatment with an anxiolytic.",
"title": ""
},
{
"docid": "8f7639b02a0cd0d913127aa43f064d51",
"text": "Buspar Tablet Grapefruit may increase the amount of buspirone in your bloodstream. Consult your pharmacist or doctor for more information. Dosage is based on your medical condition and response to therapy. Use this medication regularly in order to get the most benefit from it.",
"title": ""
},
{
"docid": "08c86b74d457509469aa598f2249ba5b",
"text": "What Is Buspirone (Buspar), How Does It Work, And How Is It Used To Treat Anxiety Disorders? Answer: Buspirone, also known by its trade name Buspar, is a non-benzodiazepine medication that is indicated for the treatment of generalized anxiety disorder.",
"title": ""
},
{
"docid": "ff90047819c8000a688a811961fb0b5f",
"text": "Amiodarone Amiodarone is an antiarrhythmic medication used to treat and prevent a number of types of irregular heartbeats. This includes ventricular tachycardia (VT), ventricular fibrillation (VF), and wide complex tachycardia, as well as atrial fibrillation and paroxysmal supraventricular tachycardia.",
"title": ""
},
{
"docid": "e24efa9b664a57e62c8956c1e9f14ac9",
"text": "Buspirone Dosing As is always the case, do not adjust your buspirone dose unless your healthcare provider specifically instructs you to do so. The recommended dose of buspirone when treating anxiety is 7.5 mg twice daily.f your symptoms do not improve with a dose of 7.5 mg twice a day, your healthcare provider may gradually increase this to a maximum of 60 mg a day.",
"title": ""
},
{
"docid": "7adec8edf90896701e1cf0fecafb276b",
"text": "What Is Buspirone (BuSpar)? Buspirone Dosage. Buspirone comes in tablets of 5, 10, 15, or 30 milligrams (mg). The tablets have a scored mark down the middle so you can split a pill in half if necessary. A typical dose starts at 7.5 mg every 12 hours. Your doctor may increase your daily dose by 5 mg every few days if needed.An average daily dose is 20 to 30 mg a day in divided doses. The maximum daily dose is 60 mg. Always take buspirone at the same time each day, with or without food.n average daily dose is 20 to 30 mg a day in divided doses. The maximum daily dose is 60 mg. Always take buspirone at the same time each day, with or without food.",
"title": ""
},
{
"docid": "a55a5157cbc5eaada8f8fec43e643dd5",
"text": "Tagrisso What is Tagrisso? Tagrisso (osimertinib) is a cancer medicine that interferes with the growth and spread of cancer cells in the body. Tagrisso is used to treat a certain type of non-small cell lung cancer. This medicine is used only if your tumor has a specific genetic marker, for which your doctor will test.",
"title": ""
}
] |
msmarco_passage
|
54272444f7cc1d73fcabdb53ed7ac678
|
are poppy seeds from poppy opium plants
|
[
{
"docid": "cda414f4a757a3247a6e55b6c511678f",
"text": "Papaver somniferum Opium poppy, common poppy. Categories: Perennials, Poisonous Plants. Comment: It is illegal to grow opium poppies in North Carolina, but it is legal to sell and buy the seeds. . Opium is made from the milky sap of the fruit capsules.Take care that pets and children do not sample poppies as they are poisonous.Opium poppy reseeds and may spread in southern gardens.ategories: Perennials, Poisonous Plants. Comment: It is illegal to grow opium poppies in North Carolina, but it is legal to sell and buy the seeds. . Opium is made from the milky sap of the fruit capsules. Take care that pets and children do not sample poppies as they are poisonous.",
"title": ""
}
] |
[
{
"docid": "8d8a3b44876d1a1253ffbf17fbfa72f0",
"text": "Prescription Drugs Derived from Opium Can Cause Addiction Opium is a naturally occurring narcotic found in the seeds of the opium poppy plant and contains morphine. Opium can be extracted to produce heroin, an illegal drug that has a high abuse potential. The cultivation of opium poppies dates back many civilizations in an effort to provide pain relief and deep sedation. It was also used for ritualistic purposes. Opium has been regulated around the world since the early twentieth century.",
"title": ""
},
{
"docid": "0739f91d8bab78781c75aa139a73cb47",
"text": "Papaver somniferum Dried poppy seed pods and stems (plate), and seeds (bowl) Capsule of Papaver somniferum showing latex (opium) exuding from incision. The opium poppy, as its name indicates, is the principal source of opium, the dried latex produced by the seed pods. Opium contains a class of naturally occurring alkaloids known as opiates, that include morphine, thebaine, codeine, papaverine, noscapine and oripavine.",
"title": ""
},
{
"docid": "caa160a5c9bba4e93b21646be7acd231",
"text": "- 1/08/2017 Message: Shipments are back to normal, thanks for your patience : Poppy Seed Wash is a medicinal beverage, generically known as poppy seed tea. Each bottle contains 6 ounces of special, unwashed, unprocessed, organic poppy seeds sourced specifically for high medicinal strength and great taste. Preparation. 1. Measure your dose using the guide on the side of the bottle. (2-3 ounces for new users) 2. Add hot water. 3. Shake for one minute.",
"title": ""
},
{
"docid": "09f08597e5b8ba4f80aed8a2b6c06da9",
"text": "If You Can't Grow Poppies ⦠Poppies come in different varieties, only some of which can produce narcotics. The Papaver somniferum, or opium poppy, is used to make morphine, heroin, and a number of other painkillers. Papaver somniferum also produces the seeds we put on bagels and in lemon pound cake.",
"title": ""
},
{
"docid": "5a9c8ef9192d845b693c77cfdbe26238",
"text": "- Overview. The Papaver somniferum plant, or Opium Poppy, is native to southeastern Europe and western Asia, producing white, pink, red or purple flowers in the summer and dropping its seeds in autumn.Best known for its hallucinogenic properties, Papaver plants are annuals and enjoy cooler but not freezing temperatures.he Papaver somniferum plant, or Opium Poppy, is native to southeastern Europe and western Asia, producing white, pink, red or purple flowers in the summer and dropping its seeds in autumn. Best known for its hallucinogenic properties, Papaver plants are annuals and enjoy cooler but not freezing temperatures.",
"title": ""
},
{
"docid": "6f7f070dddcf6bb632da3adf0eaf6e0f",
"text": "Homeopathy Opium Opium Poppy The opium poppy plants, whose seeds form the basis of the homeopathic remedy opium, are extensively cultivated all over Asia, Europe, North America and South America for their beautiful flowers. Besides growing this plant for its ornamental flowers, opium poppy plants are also cultivated for medicinal purposes.",
"title": ""
},
{
"docid": "4b4843ad7b840f12fff894edebbdc84f",
"text": "Opium Made Easy It started out if not quite innocently, then legally enough. Or at least that’s what I thought back in February, when I added a couple of poppy varieties (P. somniferum as well as P. paeoniflorum and P. rhoeas) to my annual order of flowers and vegetables from the seed catalogues.",
"title": ""
},
{
"docid": "55f482f0109fcbe98bce3eefdb168d29",
"text": "Extraction - How to make poppy seed opium I have had great success with making flake opium from poppy seed extract. I thought I would tell you SWIM's process since I haven't seen anything quite like it on this forum (quite so easy). 1. blend 240g jar of poppy seeds in 500-1000ml of water with a mixer-stick (or blender i guess though i find it easier with the stick) 2.",
"title": ""
},
{
"docid": "3b4007550e2bb3b6483f5b0acffec185",
"text": "Poppy Meaning Shape: Cupped shape. Fact: Codeine and morphine are drugs derived from the poppies. Opium can also be derived from a species of a poppy which has long been cultivated in India. Poisonous: Almost every part of the poppy is poisonous but each part has different toxicity level. Be careful with raw green poppy seeds because this is known to be the most toxic part of the poppy.",
"title": ""
},
{
"docid": "5f200c6f8a4288e1739ec63ab02741a9",
"text": "- No. All poppies do not contain narcotics. Update: It IS legal to grow Papaver somniferum in the United States. They are a fairly common garden annual, easily grown from seed and seed catalogs stock a variety of them: http://www.onestoppoppyshoppe.com/servle... It is a federal offense to grow them for the opium however.est Answer: No... There are many different types of poppies. They are even developing Opium Poppies that do not contain ANY opiate chemicals in them to get around local laws to enable people to grow the beautiful flowers.",
"title": ""
},
{
"docid": "7ef8137c1d015cbeea517a19166ec817",
"text": "- Fact: The red poppy is commonly mistaken and thought as its look alike - the opium poppy. This is because of its similarity in characteristics. Although they may look the same, the red poppy is notably smaller and is widely known as a wildflower. It is not the same plant thats being used to produce narcotic drugs.",
"title": ""
},
{
"docid": "eb1845554266fc46d3173d68114e896d",
"text": "Papaver somniferum The opium poppy is the only species of Papaveraceae that is an agricultural crop grown on a large scale. Other species, Papaver rhoeas and Papaver argemone, are important agricultural weeds, and may be mistaken for the crop.apaver somniferum is an annual herb growing to 100 cm. All parts of the plant are strongly glaucous, giving a greyish-green appearance, and the stem and leaves are sparsely covered with coarse hairs. The leaves are lobed and clasp the stem at the base.",
"title": ""
},
{
"docid": "be2992c59c0f0c8b8cd2d440b955f9c2",
"text": "Opium Made Easy The legality of growing opium poppies (whose seeds are sold under many names, including the breadseed poppy, Papaver paeoniflorum, and, most significantly, Papaver somniferum) is a tangled issue, turning on questions of nomenclature and epistemology that it took me the better part of the summer to sort out.he legality of growing opium poppies (whose seeds are sold under many names, including the breadseed poppy, Papaver paeoniflorum, and, most significantly, Papaver somniferum) is a tangled issue, turning on questions of nomenclature and epistemology that it took me the better part of the summer to sort out.",
"title": ""
},
{
"docid": "2d5e79b915b3378886d0848aa0970bdf",
"text": "Papaver somniferum The opium poppy is the only species of Papaveraceae that is an agricultural crop grown on a large scale. Other species, Papaver rhoeas and Papaver argemone, are important agricultural weeds, and may be mistaken for the crop.apaver somniferum has many subspecies or varieties and cultivars. Colors of the flower vary widely, as do other physical characteristics, such as number and shape of petals, number of flowers and fruits, number of seeds, color of seeds, production of opium, etc.",
"title": ""
},
{
"docid": "393a4b26eef8b5d3ddff01c22f4ccb53",
"text": "- Papaver somniferum, the opium poppy, is the species of plant from which opium and poppy seeds are derived.Opium is the source of many drugs, including morphine (and its derivative heroin), thebaine, codeine, papaverine, and noscapine.The Latin botanical name means the sleep-bringing poppy, referring to the sedative properties of some of these opiates.apaver somniferum has many subspecies or varieties and cultivars. Colors of the flower vary widely, as do other physical characteristics, such as number and shape of petals, number of flowers and fruits, number of seeds, color of seeds, production of opium, etc.",
"title": ""
},
{
"docid": "16fded466af5d8c1429bf0e64dc507a9",
"text": "Do all poppy plants contain opium? If not, which ones don't? No, not all poppies contain opium; only one does. Among those flowers we call poppies, there are 11 genera in the subfamily Papaveraceae, and the most commonly considered poppy flowers belong to one of those genera which is the genus Papaver. In that genus, only one species contains opium, the breadseed or opium poppy (Papaver somniferum).",
"title": ""
},
{
"docid": "a5032e4fa4b80c387ddc2f71aafafaf5",
"text": "Opium Opium (poppy tears, with the scientific name: Lachryma papaveris) is the dried latex obtained from the opium poppy (scientific name: Papaver somniferum).",
"title": ""
},
{
"docid": "f0e737d563bb7b060d26757cd8191a26",
"text": "Pierre Curie - Biographical They have both taken lively interest in social problems, and as Director of the United Nations' Children's Fund he received on its behalf the Nobel Peace Prize in Oslo in 1965. She is the author of a famous biography of her mother, Madame Curie (Gallimard, Paris, 1938), translated into several languages. Pierre was killed in a street accident in Paris on April 19, 1906.",
"title": ""
},
{
"docid": "964eab501a07f929261390b38c53e72d",
"text": "Health First Occupational Medicine Because poppy seeds contain small amounts of opium, eating food with poppy seeds can cause donors to test positive for opiates. MROs are aware of this, and are trained to report the test as positive only if there is also physical evidence of drug abuse. Back to general drug and alcohol testing information.",
"title": ""
},
{
"docid": "32001419f38b681a61c4925a85ce2d87",
"text": "Papaver somniferum Papaver somniferum, the opium poppy, is the species of plant from which opium and poppy seeds are derived.Opium is the source of many drugs, including morphine (and its derivative heroin), thebaine, codeine, papaverine, and noscapine.The Latin botanical name means the sleep-bringing poppy, referring to the sedative properties of some of these opiates.pium is the source of many drugs, including morphine (and its derivative heroin), thebaine, codeine, papaverine, and noscapine. The Latin botanical name means the sleep-bringing poppy, referring to the sedative properties of some of these opiates.",
"title": ""
},
{
"docid": "a52dafc98b0715296f6250e8198cd5a7",
"text": "Opium Opium (poppy tears, lachryma papaveris) is the dried latex obtained from the opium poppy (Papaver somniferum).Opium latex contains approximately 12% of the analgesic alkaloid morphine, which is processed chemically to produce heroin and other synthetic opioids for medicinal use and for the illegal drug trade.hen grown for opium production, the skin of the ripening pods of these poppies is scored by a sharp blade at a time carefully chosen so that rain, wind, and dew cannot spoil the exudation of white, milky latex, usually in the afternoon.",
"title": ""
},
{
"docid": "8e5451bf05bb2ea39612b999bf658df0",
"text": "Papaver somniferum Papaver somniferum, the opium poppy, is the species of plant from which opium and poppy seeds are derived.Opium is the source of many drugs, including morphine (and its derivative heroin), thebaine, codeine, papaverine, and noscapine.apaver somniferum, the opium poppy, is the species of plant from which opium and poppy seeds are derived.",
"title": ""
},
{
"docid": "6b70df037cdbe047910fa0e0f6047831",
"text": "Papaver somniferum Papaver somniferum, the opium poppy, is the species of plant from which opium and poppy seeds are derived.apaver somniferum is an annual herb growing to 100 cm. All parts of the plant are strongly glaucous, giving a greyish-green appearance, and the stem and leaves are sparsely covered with coarse hairs. The leaves are lobed and clasp the stem at the base.",
"title": ""
},
{
"docid": "8d770af82910e0bdf29f9bd121650595",
"text": "Harvesting Poppy Seeds Poppy seeds are easy to harvest. This is because poppy plants are vigorous reproducers and each bloom that is allowed to mature and to develop a seed pod will create dozens of seeds that can be used for planting next year’s batch of poppies.",
"title": ""
},
{
"docid": "fad5a1bf1cf8e23daee378d8bdb3dba3",
"text": "- Just remember that you can use the same seeds for about 3 to 4 days while adding sugar in between adding more poppy seeds… and possibly daily if needed. just boil some water I would start with 8 cups and add 2 tablespoons of poppy seed tea-basically you can use to seeds to make this tea.omegrown opium poppies, or even dried poppy heads from the craft store, can be made into poppy tea or laudanum, and could be your DIY solution for headaches, coughs, muscle pains, or diarrhea.",
"title": ""
}
] |
msmarco_passage
|
db7d90f543365855b25e200e2b2feeb5
|
where is the wuskwatim located
|
[
{
"docid": "ddc58d0251480769f0152e7324ee87d6",
"text": "- The Wuskwatim Generating Station is located on the Burntwood River, in the Nelson House Resource Management Area, approximately 45 km southwest of Thompson and 35 km southeast of Nelson House.uskwatim Generating Station. 1 Construction started in 2006; 2 Construction completed in 2012; 3 Capacity 200. ; 4 Powerhouse & service bay: 5 Length 118 m; 6 Three turbine generators (vertical propeller type); 7 Transmission lines: 8 One 230-. 9 line from Wuskwatim to Birchtree Station (Thompson); 10 Two 230-kV lines from Wuskwatim to Herblet Lake Station.",
"title": ""
}
] |
[
{
"docid": "d3091d5a6e68de4d47b87419cfd74ed1",
"text": "- Making the world better, one answer at a time. The Serengeti District is located in the Mara Region of Tanzania, a country in East Africa. The latest statistics available show a population of roughly 176,609.s the Serengeti volcano the largest in the world? Not by a long way.The caldera of Ngorongoro (the largest volcano near the serengeti) is huge, at 250km2, but that is nothing compared to Yellowstone, with a caldera of about … 4000km2. however calderas don't look much like volcanos.",
"title": ""
},
{
"docid": "a502e3b9b4bd17cb5947ac785a7b438c",
"text": "Waw an Namus, Libya Waw an Namus, Libya. Location: 24.9N, 17.7E. Elevation: 3936 ft (1200 m) Waw an Namus is an exotic volcano deep in the desert of Libya. A low caldera about 4 km in diameter is surrounded by a 5 - 10 km wide dark black deposit of ash that stands out starkly against the yellowish desert.",
"title": ""
},
{
"docid": "cd6369a6ad111006264dfddf6c3124ce",
"text": "Wuppertal Map â Satellite Images of Wuppertal Welcome to the Wuppertal google satellite map! This place is situated in Wuppertal, Dusseldorf, Nordrhein-Westfalen, Germany, its geographical coordinates are 51° 16' 0 North, 7° 11' 0 East and its original name (with diacritics) is Wuppertal.D map of Wuppertal in Germany. You can also dive right into Wuppertal on unique 3D satellite map provided by Google Earth. With new GoogLe Earth plugin you can enjoy the interactive Wuppertal 3D map within your web browser.",
"title": ""
},
{
"docid": "290500bf8e3fc370f3a6a77e69cb3a94",
"text": "Wuskwatim 2010-2011 Construction Update - Manitoba Hydro A construction update on the Wuskwatim Generating Station, located on the Burntwood River in northern Manitoba.",
"title": ""
},
{
"docid": "a43af1582a51cf8bb2c36f5c30b6c525",
"text": "- Machu Picchu (in hispanicized spelling, [ˈmatʃu ˈpiktʃu]) or Machu Pikchu (Quechua machu old, old person, pikchu peak; mountain or prominence with a broad base which ends in sharp peaks, old peak, pronunciation [ˈmɑtʃu ˈpixtʃu]) is a 15th-century Inca site located 2,430 metres (7,970 ft) above sea level.",
"title": ""
},
{
"docid": "7300e0e7e016ac95eb7a782d0e7ee990",
"text": "- © 2017 The NEED Project 8408 Kao Circle, Manassas, VA 20110 1.800.875.5029 www.NEED.org 45. The Department of Energy (DOE) originally looked at Yucca Mountain, Nevada, to be the site of a national spent nuclear fuel repository.",
"title": ""
},
{
"docid": "84b545473b4601794a6fd0799e19a9f1",
"text": "MOUNT KOSCIUSZKO Mount Kosciuszko is the tallest point is located in the Snowy Mountain region of New South Wales, and is the tallest point in Australia at 2228 metres.his added to the mountain as well. Unlike most of Australia, Mount Kosciusko is in a snowy area, and usually has snow on it, even in summer. SPECIAL FEATURES Due to a climate change in the area over the last 2 million years, the mountain have sections covered in glaciers, especially along the crest of the mountain.",
"title": ""
},
{
"docid": "6b2e2fefa2126362b84181783650bfc2",
"text": "Mount Kosciusko Description. Mount Kosciuszko is the highest mountain in Australia, located in the extreme southeast corner of the continent. Located between Melbourne and Sydney in the Australian Alps, Kosciuszko draws crowds from both cities, and has become a popular resort for both hiking and skiing.escription. Mount Kosciuszko is the highest mountain in Australia, located in the extreme southeast corner of the continent. Located between Melbourne and Sydney in the Australian Alps, Kosciuszko draws crowds from both cities, and has become a popular resort for both hiking and skiing.",
"title": ""
},
{
"docid": "6055b90cc12726a8c7442d19e9479a55",
"text": "World Wide Web The headquarters of the World Wide Web is located in Geneva, Switzerland, where it is powered by a Uranium-fired cyclotron. At maximum power, the cyclotron is able to generate enough porno for 1000 lifetimes in 1 nanosecond.",
"title": ""
},
{
"docid": "19d5dca95e6306dd5e2dcfbf4de6c8c3",
"text": "- The Wukchumni ( English: ) are a Yokuts tribe of California with about 200 members, residing on the Tule River Reservation . 3000 years ago, they broke off from the main Yokuts group and settled in the region of the east fork of the Kaweah River .",
"title": ""
},
{
"docid": "c02eaa082dc98e49abb75aa3858d675e",
"text": "Zamzam Well The Well of Zamzam (or the Zamzam Well, or just Zamzam; Arabic: زمزم) is a well located within the Masjid al-Haram in Mecca, Saudi Arabia, 20 m (66 ft) east of the Kaaba, the holiest place in Islam.",
"title": ""
},
{
"docid": "dbc4fb1e0446510b2cc1b448fe73760f",
"text": "- Zimpeto Children’s Centre, located near Mozambique’s capital city, Maputo, is home to around 300 children, 30 missionaries and 150 full and part-time staff.",
"title": ""
},
{
"docid": "031e453a28331ce1a8a8aca335af7b98",
"text": "Potchefstroom Campus The Potchefstroom campus of the North-West University (nicknamed Pukke) was formerly known as the Potchefstroom University for Christian Higher Education (abbreviated PU for CHE).his is the largest of the NWU’s campuses, having had 35,174 students registered in 2008, of which more than 18,800 were enrolled for distance learning programmes. The Potchefstroom Campus also accounts for most of the NWU’s research output and National Research Foundation-rated researchers.",
"title": ""
},
{
"docid": "1afee266bb9ddd36a863a0b6f37e3a06",
"text": "About Us Uasin Gishu County is situated in the mid-west of the Rift Valley covering an area of 3,345.2 square kilometers and lies between longitude 34 degrees 50’ east and 35 degrees 37’ west and latitude 0 degrees 03’ south and 0 degrees 55’ north .",
"title": ""
},
{
"docid": "6f249dba26c4f31fb2a5c17eddb77fd4",
"text": "Queenswood Mt. Sinabung is situated on a destructive plate boundary where volcanoes are formed when the denser tectonic plate, in this case the Indo-Australian plate, is forced under the less dense plate, the Eurasian plate.",
"title": ""
},
{
"docid": "6adc4f8f21cc544d1042fa5b81d7bf24",
"text": "- The Maxwell Basin Recreation Area is located along the Monongahela River in the communities of Fredericktown and Millsboro, Pennsylvania. There will be a series of scheduled events throughout the spring, summer and fall providing a wide variety of fun and entertainment for our visitors. Celebrate. The River of the Year.",
"title": ""
},
{
"docid": "fd4541c7ce1309159df885c0147d2783",
"text": "- The Wumen Gate building, the entrance of Forbiden City, is located on the meridian line of the city. That was a gate tower buildingwas built in 1420. Its scope is next to Tai He Dian Palace. And it is the highest construction of the Forbidden City, the total height of which is 36 meters.",
"title": ""
},
{
"docid": "f0125ee0d8212ad3c7e9abc192331456",
"text": "About The Wuskwatim Generating Station Generating Station. Wuskwatim is a 200-megawatt, run-of-river hydroelectric generating station on the Burntwood River at Taskinigup Falls. It is located in the Nelson House Resource Management Area about 45 kilometres southwest of Thompson and 35 kilometres southeast of Nelson House. (Enlarge Map) .",
"title": ""
},
{
"docid": "223aeb93e40669f6d693d225464f472b",
"text": "Wuppertal Map â Satellite Images of Wuppertal This place is situated in Wuppertal, Dusseldorf, Nordrhein-Westfalen, Germany, its geographical coordinates are 51° 16' 0 North, 7° 11' 0 East and its original name (with diacritics) is Wuppertal.",
"title": ""
},
{
"docid": "0cc0a6b723d50eb2b1979dad1bdbccf3",
"text": "Chapter 5 Middle America Every year since 1990, protesters have been drawn to the Fort Benning, Georgia, Western Hemisphere Institute for Security Cooperation (WHINSEC) facility, notorious for training military personnel, mostly from Latin America, who have been involved in atrocities in their homelands.",
"title": ""
},
{
"docid": "0484895bd7ec8f0823db9f9eb13f42c2",
"text": "Chernobyl 25 Years Later The Chernobyl power-generating station is located in Pripyat, Ukraine, 110 km (68 miles) north of Kiev.There were four reactors at the plant, which began operation between 1978 and 1984.he Chernobyl power-generating station is located in Pripyat, Ukraine, 110 km (68 miles) north of Kiev.",
"title": ""
},
{
"docid": "d15d6573db47d6a1583f6f1e097d0c08",
"text": "- The Kingdom of Wuerttemberg (Württemberg: German Koenigreich) königreich wuerttemberg württemberg was A state in germany that existed from, 1805 to 1918 located in the area That-Is. Now baden wuerttemberg württemberg the kingdom was A continuation Of, the duchy of wuerttemberg württemberg which. existed from 1495 to 1805he kingdom was a continuation of the Duchy of Wuerttemberg, württemberg which existed from 1495 to. 1805",
"title": ""
},
{
"docid": "372bd60507a0b47dc3988808f0588abe",
"text": "Potchefstroom Potchefstroom is home to, inter alia, five tertiary institutions and 30 schools, as well as numerous research bureaus and training centres. These include: 1 The North-West University, a merged tertiary educational institution that was created on 1 January 2004, with campuses at Potchefstroom, Mafikeng and Vanderbijlpark.otchefstroom has become the home away from home to many international athletes and teams. Potchefstroom is the only place in the world with a perfect balance between altitude training and quality training at 1400m.",
"title": ""
},
{
"docid": "7cc6e845fbcb765544c333100d07e4f3",
"text": "Chitty Chitty Bang Bang film locations Chitty Chitty Bang Bang film location: the home of inventor Caractacus Potts: Cobstone Windmill, Turville, Buckinghamshire Photograph: wikimedia / Andrew Smith The windmill home of Caractacus Potts (Dick Van Dyke) is Cobstone Windmill, at Cadmore End on the B482 about four miles west of High Wycombe in Buckinghamshire.",
"title": ""
},
{
"docid": "769762ec85e8f86664486db5c43ecd6e",
"text": "- 1 Kutschurgan Map - Map of the German-Russian Kutschurgan District just north of Odessa, South Russia. 2 Hoffnungsthal - Located north of Odessa between the Glueckstal and Beresan Districts. Grossliebenthal/Liebenthal Map - Map of the German-Russian Liebenthal District west and southwest of Odessa, South Russia.",
"title": ""
}
] |
msmarco_passage
|
98872b372a60bdaa77f3472884611057
|
which is an example of observational learning weegy
|
[
{
"docid": "ffde520301ee4f2bf85cf7662d1d3b43",
"text": "Examples of observational learning? Report Abuse. children are excellent examples of observational learning. They watch their parents, family, friends, teachers, etc. and they copy it. If it works for them they continue doing it, if it doesn't work they stop. 1.",
"title": ""
}
] |
[
{
"docid": "842e1cd9e69096246e4a874d8b73ea62",
"text": "- Bandura's social learning theory suggests that people can learn though observation, including direct instruction, modeling, and imitation. Bandura's social learning theory suggests that people can learn though observation, including direct instruction, modeling, and imitation.",
"title": ""
},
{
"docid": "864e475adf34514ea15af45556860c3d",
"text": "Observational Learning Observational learning, also called social learning theory, occurs when an observer’s behavior changes after viewing the behavior of a model. An observer’s behavior can be affected by the positive or negative consequences–called vicarious reinforcement or vicarious punishment– of a model’s behavior. Discussion There are several guiding principles behind observational learning, or social learning theory: 32. The observer will imitate the model’s behavior if the model possesses characteristics– things such as talent, intelligence, power, good looks, or popularity–that the observer finds attractive or desirable. 33.",
"title": ""
},
{
"docid": "89163dce2da1869f7a41e0b75bce378c",
"text": "The Purpose and Benefits of Classroom Observation Two observers visited Diploma I class to assess a teacher teaching Nursing Care of Adults 201.One of the observers is the ASP whose tenure is 11 years and the other is a critical friend who holds a master degree in education and has 10 years of teaching experience. Both are familiar with the observation tool.",
"title": ""
},
{
"docid": "d14c1d353dbf894cf54da0f4d55f7f3b",
"text": "Gathering Evidence of Learning For example, you might give an exam and specifically target three open-ended questions to determine whether your students have achieved learning goals related to the development of critical and analytical skills. There are basically two kinds of evidence you can collect: direct and indirect.",
"title": ""
},
{
"docid": "003e5726120eeea43d327ad8853f475f",
"text": "- The #2 phone number for Comerica Inc. Customer Service with tips to quickly reach and to call a live Comerica Inc. support rep. If you're going to to call an agent at 800-925-2160 be sure to read here for the best way to do it with alternatives and shortcuts.",
"title": ""
},
{
"docid": "d92a407aac5fd978371515953a3fef22",
"text": "Observational Research Observational research (or field research) is a type of correlational (i.e., non-experimental) research in which a researcher observes ongoing behavior.There are a variety of types of observational research, each of which has both strengths and weaknesses.bservational research (or field research) is a type of correlational (i.e., non-experimental) research in which a researcher observes ongoing behavior.",
"title": ""
},
{
"docid": "a969794e0194fb367edd55465c6cdb66",
"text": "- Negative reinforcers discourage the continuation of the modeled activity. Albert Bandura combines both behavioral and cognitive philosophies to form this theory of modeling, or observational learning. He sees the human personality as an interaction between the environment and a person's psychological processes.",
"title": ""
},
{
"docid": "11acca8d5adf16d4be09abf6bc776cf7",
"text": "Antithyroid Medications for Hyperthyroidism Antithyroid medications usually alleviate your hyperthyroid symptoms in six to 12 weeks. While there is no standard for how long you will take the medication, you will most likely continue with it for 12 to 18 months.That time period, combined with a gradual, controlled decrease in your dosage, lessens your chance of developing hyperthyroidism again.ntithyroid medications—sometimes written as anti-thyroid medications—are a common treatment for hyperthyroidism, particularly if you have an ongoing form of hyperthyroidism caused by Graves' disease or a goiter. The goal of antithyroid medications is to prevent the thyroid from producing excess amounts of hormone.",
"title": ""
},
{
"docid": "14f001fda91b425823cc0ab7a0df1903",
"text": "Concealed versus non concealed observation when the A case study is an observational approach which provides a description of individuals, organizations, schools or neighborhoods (Cozby, 2012). From the use of naturalistic observation, researchers may conduct a case study.",
"title": ""
},
{
"docid": "5485fee75148838572a2893a0178a63d",
"text": "- If a student engages in a burst of behaviors that tend to occur together, refer to all of the behaviors as one event.. For instance, the functional assessment observation tool example documents that from 9:00-10:00 there were five events that occurred.",
"title": ""
},
{
"docid": "cdfe87224c0ab0c2fa3b8de1c3a435f5",
"text": "Research Methods in Psychology Case studies, surveys, naturalistic observation, and laboratory observation are examples of descriptive or correlational research methods. Using these methods, researchers can describe different events, experiences, or behaviors and look for links between them.",
"title": ""
},
{
"docid": "f68f1dacc76375173022f1148009f246",
"text": "HOME CONCEPTSObservational LearningObservational learning is an important idea in psychology. Thus, it would be important to define observational learning. Learning through observation may explain many behaviors. What is observational learning? Below is one definition of observational learning.Observational Learning DefinitionObservational learning is a type of learning in which a person learns new information and behaviors by observing the behaviors of others.Observatinal Learning ExamplesThere are many possible examples of observational learning. Observational learning is a process in which a person observes another person's behavior and the consequences of the behavior. If the consequences are positive, the person may imitate the behavior. Imagine you wish to be a comic. You observe comics at an open mike event. This allows you to gain insight into the statements and behaviors of people who strive to be funny. This is one example of observational learning. Now imagine you have accepted a job in sales. However, you have no sales experience. Thus, on your first day you observe an experienced salesperson. This allows you to gain knowledge of the statements and behaviors of effective salepeople. Observational Learning Observational learning is an important idea in psychology. Thus, it would be important to define observational learning. Learning through observation may explain many behaviors.",
"title": ""
},
{
"docid": "23ac1a01b480af6dd0b5346c0c27ab7f",
"text": "Observational Techniques in Marketing Research Several common examples of observational marketing techniques exist and are used frequently. Perhaps, one of the most common ways researchers use observational techniques is through cookies on computers, used to track users' web views and visits.",
"title": ""
},
{
"docid": "ab0eb9368b98fa4308fda0fe52416019",
"text": "Naturalistic Observation Animals make natural subjects for naturalistic observation. A good example is Schaller's work with the mountain gorilla. When Schaller first started wondering about the behavior of gorillas, very little was known about them outside of their behavior in zoos.aturalistic observation is probably the best method around for the process of formulating new hypotheses. By becoming intimately familiar with subjects and their behavior, one can start to make hypotheses about them and their behavior. Those hypotheses can then be tested by other methods.",
"title": ""
},
{
"docid": "066dde46ac752843a9c4e1e71e9bbe8e",
"text": "Observational study In fields such as epidemiology, social sciences, psychology and statistics, an observational study draws inferences from a sample to a population where the independent variable is not under the control of the researcher.",
"title": ""
},
{
"docid": "d9e403e451af11a5e2d6763d49c768ca",
"text": "- Observation and Assessment. Description. This course provides a framework to introduce assessment of children in early childhood settings. through observation of children at play using understandings about children to inform planning. Anecdotal records, rating systems, and multiple assessment strategies are explored. The course.",
"title": ""
},
{
"docid": "020b0c0bdca1cd4f6ae7f5eb0d3433dd",
"text": "Recode For example, a researcher doing an observational study on the pro-social characteristics of toddlers might code the common behaviors in order to record them more quickly in a busy play setting. So they might use 1 for toy sharing, 2 for cooperation, 3 for helping behaviors, 4 for hugs/physical contact, etc.",
"title": ""
},
{
"docid": "3f8cb16992aeaa3f61e35d02e752315f",
"text": "What Is Observational Learning? Observational learning is often linked to negative or undesirable behaviors, but it can also be used to inspire positive behaviors. Television programming has been used to promote a range of healthy behaviors in areas throughout the world including Latin America, Brazil, India, and Africa.",
"title": ""
},
{
"docid": "986c0b8e038b82f0d2aae4bec950ebd2",
"text": "Observational Learning 1 When the model is punished, an example of vicarious punishment, the observer is less likely to reproduce the same behavior. A distinction exists between an observer’s “acquiring” a behavior and “performing” a behavior. Through observation, the observer can acquire the behavior without performing it.",
"title": ""
},
{
"docid": "1c106895d68cdaa2393799539360c33f",
"text": "- Explanatory, analytical and experimental studies…. 1 Explain Why a phenomenon is going on. 2 Can be used for hypothesis testing. 3 Allow for inferences to be drawn about associations and causality. Examples: Case-control study, Cohort study (follow-up), Intervention trial.",
"title": ""
},
{
"docid": "2dffe756835ca5af755cc2e193f3347b",
"text": "- „ Observational checklists ’ are common assessment designs in peer teaching, and will be the primary mode of assessment throughout this gymnastics unit. These checklists include key teaching points and „correct technique‟ that must be observed while the learner is executing a skill. Position is held for at least 5 seconds. Position 3 Assessment Watch a pair of students perform this static shape. If you see that they do the following skill cues, mark a smiley face in the circle. If they do not, mark a cross in the circle and give them a cue to help them improve the skill.",
"title": ""
},
{
"docid": "a06606bd29030e193b57859cc0780834",
"text": "- collective learning examples. Examples of collective learning. Collective learning is fundamentally a type of learning that happens ‘in the real world’. There are lots of examples from industry so we (Anoush Margaryan, Collin Milligan, Lou McGill and I) collated together some examples below.",
"title": ""
},
{
"docid": "971d7b80793cef1db084abbdbdb3982a",
"text": "Attitude Formation Social learning theory provides insight into two similar processes of conditioning that result in affective attitude formation. Specifically, the process of modeling is similar to classical conditioning, and observational learning is similar to instrumental conditioning (Fiske, 2010).",
"title": ""
},
{
"docid": "9e630db7598d459f5f4916f1d48c157d",
"text": "Active learning Active learning is a model of instruction that focuses the responsibility of learning on learners. It was popularized in the 1990s by its appearance on the Association for the Study of Higher Education (ASHE) report (Bonwell & Eison 1991). Learning By Teaching is also an example of active learning because students actively research a topic and prepare the information so that they can teach it to the class.",
"title": ""
},
{
"docid": "4ca8699cc652b10e6799dbc40392f9e7",
"text": "Observational Learning: Definition, Theory & Examples Observational learning goes on around us everyday. In this lesson, you will learn to identify the four steps in observational learning by examining a normal event. Test your understanding with the short quiz at the end.",
"title": ""
}
] |
msmarco_passage
|
4af1ccd9ba93eeafc19cf07ef7f85247
|
sunnyvale ca what county
|
[
{
"docid": "d160c28e95cd4f4e119db354c4963665",
"text": "About Sunnyvale Sunnyvale Sunnyvale is at the heart of Silicon Valley and borders the cities of San Jose, Mountain View, and Santa Clara. Located within Santa Clara County, this city is one of the few in the nation to have a Department of Public Safety which combines both fire and police agencies under a common service center. All personnel of this organization are trained as firefighters, police officers, and EMTs so all employees of the department can respond to any emergency.",
"title": ""
}
] |
[
{
"docid": "5464ac27d6945d0bc84cd5fb74f79f8d",
"text": "- Town of Sunnyvale - Government, Sunnyvale, Texas. 892 likes. Government Organization",
"title": ""
},
{
"docid": "ca62f428dfe26aaffc4d399123b1dcc4",
"text": "Ozone: an overview of its toxicity in man and animals. Ozone is one of the most toxic and ubiquitous air pollutants. This review focuses on the toxic effects of ozone in animals and on the similarities and disimilarities between the toxic effects in animals and humans.The molecular basis for the toxicity of ozone is discussed, based on the vigorous oxidizing properties of ozone.his review focuses on the toxic effects of ozone in animals and on the similarities and disimilarities between the toxic effects in animals and humans. The molecular basis for the toxicity of ozone is discussed, based on the vigorous oxidizing properties of ozone.",
"title": ""
},
{
"docid": "3ac48af80f2b2ce96a92c2435d7e5851",
"text": "- Cloverdale. The Cloverdale Citrus Fair, located in Cloverdale, California, is a fun and great place for all with a rich history of success since 1892. It's evolved into a time-honored community event in Sonoma County with different schools, churches, and service clubs participating to make this a bigger fair each year.",
"title": ""
},
{
"docid": "866f6a38fcddff7f8c6aba229c4e1da1",
"text": "- Rite Aid locations in Contra Costa County, CA (Antioch, Walnut Creek, Alamo, Concord, ...). No street view available for this location.",
"title": ""
},
{
"docid": "396880c8485096eee0f824f77d7165a2",
"text": "- San Benito County is a county located in the Coast Range Mountains of the U.S. state of California. As of the 2010 census, the population was 55,269. The county seat is Hollister. San Benito County is included in the San Jose-Sunnyvale-Santa Clara, CA Metropolitan Statistical Area, which is also included in the San Jose-San Francisco-Oakland, CA Combined Statistical Area.",
"title": ""
},
{
"docid": "32d328ffd0aa51c28f273c7beabead18",
"text": "Sunnyvale The city is bordered by portions of San Jose to the north, Moffett Federal Airfield to the northwest, Mountain View to the west, Los Altos to the southwest, Cupertino to the south, and Santa Clara to the east. It lies along the historic El Camino Real and Highway 101.",
"title": ""
},
{
"docid": "1ba09845ed2c03667872c47135c31d1d",
"text": "Kaiser Sunnyside Medical Center Kaiser Sunnyside Medical Center. Kaiser Sunnyside Medical Center is a not-for-profit, general care hospital in the Sunnyside area of Clackamas County in the U.S. state of Oregon. Opened in 1975, the Kaiser Permanente owned facility is licensed for 233 hospital beds. Located in the Portland metropolitan area along Interstate 205 on the eastside, it was Kaiser's only hospital in the Portland area until Westside Medical Center opened in 2013.",
"title": ""
},
{
"docid": "efbbe998f1cd548c1f7a2040a03b85d1",
"text": "- Eastvale, California. Eastvale is a city located in northwestern Riverside County, California, the Inland Empire region of Southern California.",
"title": ""
},
{
"docid": "ef456e185c7a0166424eaa8d50b47226",
"text": "Grass Valley, California The city of Grass Valley is the largest city in the western region of Nevada County, California, United States.rass Valley is the location of the Empire Mine and North Star Mine, two of the richest mines in California.",
"title": ""
},
{
"docid": "880bf2eae53678c82c641ca487ed5f7d",
"text": "About the County Its population constitutes about one fourth of the Bay Area's total population. There are 15 cities (see list below) ranging from Palo Alto in the north, to Gilroy in the south. San Jose is the largest city in the County, with a population of nearly one million, and is the administrative site of County Government. A significant portion of the county's land area is unincorporated ranch and farmland. Nearly 92% of the population lives in cities.",
"title": ""
},
{
"docid": "456c1c18ec558fd3a3e41b8b13ce9f2b",
"text": "Welcome to Sierra County CaliforniaEVENTS RECREATION REAL ESTATE LODGING SHOPPING DINING SIERRA COUNTY. QUICK LINKS. THE ONLINE GUIDE to Sierra County California: Downieville, Sierra City, Sierraville, Alleghany, Loyalton, Calpine, & Sattley features events, lodging, dining, recreation and real estate resources guaranteed to enhance your Gold Country stay whether you are just visiting or staying forever.",
"title": ""
},
{
"docid": "dc85947100fa98b4de49ea9ef5ceab1f",
"text": "Meadow Vista Meadow Vista is a census-designated place (CDP) in Placer County, California, United States. It is part of the Sacramento–Arden-Arcade–Roseville Metropolitan Statistical Area. The population was 3,217 at the 2010 census, up from 3,096 at the 2000 census. Meadow Vista is located at 39°0′14″N 121°1′45″W / 39.00389°N 121.02917°W / 39.00389; -121.02917 (39.003795, -121.029242).",
"title": ""
},
{
"docid": "c5e28c165b5ad7ef473b020ed2a98674",
"text": "File:Alameda County California Incorporated and Unincorporated areas Castro Valley Highlighted.svg This map shows the incorporated and unincorporated areas in Alameda County, California, highlighting Castro Valley in red. It was created with a custom script with US Census Bureau data and modified with Inkscape. Date: 23 July 2007: Source: My own work, based on public domain information. Based on similar map concepts by Ixnayonthetimmay: Author: Arkyan",
"title": ""
},
{
"docid": "0fde37daee38d8382ea9b415d8c60efc",
"text": "- Boards & Committees Meeting Schedule. City Selection Committee and Legislative Action Committee Meetings are scheduled as needed. January 8, Friday, 2 - 3:30pm Executive Board Sunnyvale City Hall. January 14, Thursday, 7pm Board of Directors Sunnyvale City Hall. February 5, Friday, 2 - 3:30pm Executive Board Sunnyvale City Hall. February 11, Thursday, 7pm Board of Directors Meeting Sunnyvale City Hall.",
"title": ""
},
{
"docid": "f326731cd2a86be1d0496f287b0b111e",
"text": "Mountain View, California Sunnyvale (/ˈsʌniveɪl/ or /ˈsʌnivəl/), officially the City of Sunnyvale, is a city located in Santa Clara County, California. As of the 2010 United States Census, the population was 140,095.",
"title": ""
},
{
"docid": "e886b43e5b4b0f3ec03eb161f5354e6f",
"text": "- Benicia jobs. Benicia, CA jobs, career and employment opportunities. Solano County Has Bay Area's Highest Unemployment Rate: EDD. The highest unemployment rate in the Bay Area last month was in Solano County at 5.4 percent, the state Employment Development Dept. said.",
"title": ""
},
{
"docid": "2645518735176682ea7b619d325c8611",
"text": "Silicon Valley Geographically, it encompasses all of the Santa Clara Valley, the southern half of the San Francisco Peninsula, and southern portions of the East Bay. It includes parts or most of Santa Clara County, San Mateo County, and Alameda County.",
"title": ""
},
{
"docid": "d38d604433e28ef0f3c76f950b7e17a3",
"text": "Rainbow The community of Rainbow is located in the rough, foothill portion of northern San Diego County, bordered on the north by Riverside County. Rainbow Valley, a central valley approximately four square miles in size, is the focal point of the 14.1 square mile community plan area.",
"title": ""
},
{
"docid": "1e155e99a2e65dca60bff02c57cfd649",
"text": "Eastvale, Riverside County Sales Tax Rate The sales tax in Eastvale is 8%, which is about average for cities in Riverside County and about average for California. Eastvale is one of 75 cities in Riverside County with a distinct sales tax as listed by the California Board of Equalization. See all cities in Riverside County.",
"title": ""
},
{
"docid": "90b501ea0a4c6185e5c3c27fcd0cdf9e",
"text": "- Santa Clara County is included in the San Jose-Sunnyvale-Santa Clara, CA Metropolitan Statistical Area as well as the San Jose-San Francisco-Oakland, CA Combined Statistical Area.",
"title": ""
},
{
"docid": "a942a6678436447a0911afc9233957aa",
"text": "- Rolling Hills is an affluent city on the Palos Verdes Peninsula, in Los Angeles County, California. In 2016, the city of Rolling Hills was distinguished as The Richest Town in California according to 247wallst.com In the same year, consumeraffairs.com cited Rolling Hills as one of the top ten Safest Cities in California. Back in 1996, Worth Magazine named Rolling Hills as The Richest Town in America.",
"title": ""
},
{
"docid": "5306fa82904e854089f21436747743e8",
"text": "- Whitney Oaks Care Center is a Skilled Nursing Facility and Nursing Home in Carmichael, California, Sacramento County. 341 people like this and 310 people follow this. 1,179 people have been here.",
"title": ""
},
{
"docid": "8e49e31458a0f0132008bfcfc9d8e53d",
"text": "Ranchos Palos Verdes Sponsored Topics. Rancho Palos Verdes (sometimes abbreviated RPV) is a city in Los Angeles County, California that was incorporated on September 7, 1973. The population was 41,643 at the 2010 census.",
"title": ""
},
{
"docid": "9a7bd849b8799459dd0479ef527945a3",
"text": "- City of Eastvale, CA. Fairplex, home of the 2016 L.A. County Fair, will honor our Eastvale community for a second year, as part of their commitment to local communities by hosting the Annual L.A. County Fair Community Days Program. This year, Eastvale Day at the Fair will be held on Saturday, September 10th.",
"title": ""
},
{
"docid": "b56f6fcf8433b098c7ed543e4ae7f2d1",
"text": "Silicon Valley Silicon Valley includes northwestern Santa Clara county as far inland as San Jose, as well as the southern bay regions of Alameda and San Mateo counties.",
"title": ""
}
] |
msmarco_passage
|
208028eb7869f2d3cc9d9664bd43498b
|
which fish is used to make fish oils
|
[
{
"docid": "130b299c8a1ea09ab8040f7e6591993c",
"text": "Food_and_Nutritional_Toxicology Fish oil is the richest source for eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA). Cold-water fish, like anchovies, salmon and sardines, are considered the best source for these essential fatty acids. It is important to remember, that all omega-3's are not created equal. You would need almost four tablespoons of flaxseed oil to get the same amount of EPA and DHA found in one teaspoon of Life's Abundance Fish Oil! That's approximately ten times as much flaxseed oil than fish oil.",
"title": ""
}
] |
[
{
"docid": "cb14d105210c49ef9ada91b94769e729",
"text": "- Most fish oil products only have EPA and DHA. DPA is a versatile omega-3 supporting the body. And thirdly, I looked up the brand of fish oil OmegaActiv and know that it is made with USA caught wild fish and made in the USA. Most other fish oils are caught and made overseas. Those are the reasons I take one every day.",
"title": ""
},
{
"docid": "da4f5ac2956bc45c24bd67a7ed95cb36",
"text": "- In most fish oils, the amount of these other fatty acids is low, but in highly concentrated oils, it can be a significant amount. The important components are EPA and DHA. SOURCE OF OMEGA-3 OIL FOUND IN OMEGA XL: Omega XL is produced by the Great Health Works Company of Coral Springs, Florida.",
"title": ""
},
{
"docid": "f636e8d0679a36ae9f4a57e638d0d9e3",
"text": "20 Surprising Fish Oil Benefits & Uses Most of the health benefits of fish oil can be attributed to the presence of omega 3 essential fatty acids like Docosahexaenoic acid (DHA) and Eicosapentaenoic acid (EPA). Other useful essential fatty acids in fish oil include Alpha-linolenic acid or ALA and Gamma-linolenic acid or GLA.",
"title": ""
},
{
"docid": "3559a060b86461573224b318ee634c86",
"text": "The Five Biggest Vodka Myths Vodka is Made from Potatoes. While vodka can be distilled from potatoes—as with the Swedish Karlsson’s Gold Vodka —it can also be produced from pretty much anything. (The French Ciroc is grape-based, and there’s even a brand made from milk .) But most vodka in this country is made from corn, wheat or other grains.",
"title": ""
},
{
"docid": "afbf0744fe629e19e945e292107e74b8",
"text": "Differences of Fish Oil, Omega 3 and Cod Liver Oil. Its Benefits and Sources Food Sources. Besides cod fish, other good sources of fish oil are salmon, tuna, anchovies, sardines, herring, and mackerel. The oils of these fish contain omega-3 oils seven time the amount of omega-6 oils. Good plant sources of omega-3 fatty acids are walnuts, clary sage seeds, flax seeds, etc.",
"title": ""
},
{
"docid": "8fe873a093c79c4e8947bd132f8cfb89",
"text": "- Krill oil is oil from a tiny, shrimp-like animal. Baleen whales, mantas, and whale sharks eat primarily krill. People extract the oil from krill, place it in capsules, and use it for medicine. Some brand name krill oil products indicate that they use Antarctic krill.",
"title": ""
},
{
"docid": "01299b3c98d593852ba14a4266f6a114",
"text": "What is the difference between cod liver and fish oil? Cod liver oil is made from the cod livers and not the other parts of the fish. Cod liver oil is extremely rich in fat-soluble vitamins A and D, whereas fish oil is not, and the cod liver oil may be fermented. Take fish oil as an anti-inflammatory or to control triglycerides. Take cod liver oil for vitamins.",
"title": ""
},
{
"docid": "f04df40d1a7ab525c57ee0a6f162f41a",
"text": "- Cod liver oil is derived from the liver of cod fish and is rich in omega-3 fatty acids, eicosapentaenoic Acid (EPA) and docosahexaenoic Acid (DHA). It is a nutritional supplement with high levels vitamin A and D.",
"title": ""
},
{
"docid": "daaf9877a24952ebfe19952acc097789",
"text": "Supplements for a Healthy Heart Fish Oil. Fatty fish that are especially rich in the beneficial oils called omega-3 fatty acids include mackerel, tuna, salmon, sturgeon, mullet, bluefish, anchovy, sardines, herring, and trout. The omega-3 fatty acids can improve heart health due to their anti-inflammatory action.",
"title": ""
},
{
"docid": "966544a70bec4f77d4c4762b262d5581",
"text": "Can Lupus Be Treated Naturally? Fish Oil provides omega-3 fatty acids EPA and DHA, which help support a healthy heart.† Supportive but not conclusive research shows that consumption of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease. Nature Made Fish Oil is a convenient and safe way to get your omega-3 fatty acids EPA and DHA.",
"title": ""
},
{
"docid": "4208d619786b9798c126de9e04af1158",
"text": "Flaxseed Oil vs. Fish Oil: Which is the Best Omega-3 Source? Flaxseed oil and fish oil contain different types of omega-3 fatty acids, so they each have different effects on the body. Fish and fish oil contain omega-3s known as docosahexaenoic acid (DHA), and eicosapentaenoic acid (EPA). On the other hand, flaxseed and flaxseed oil contain alpha-linolenic acid (ALA) (2).",
"title": ""
},
{
"docid": "ea697825039f09209bcfa4541d7a72b4",
"text": "- Fish oil. Fish oil is oil derived from the tissues of oily fish. Fish oils contain the omega-3 fatty acids eicosapentaenoic acid, and docosahexaenoic acid, precursors of certain eicosanoids that are known to reduce inflammation throughout the body, and have other health benefits.",
"title": ""
},
{
"docid": "b849eb71b9cb6324ce592e30f2eb2f13",
"text": "\"Conor McGregor\"\" Notorious \"\"\" NAC Fines Nate Diaz $50K for Water Bottle-Throwing Incident Prior to UFC 202 By: Tristen Critchfield. Nate Diaz has been fined $50,000 by the Nevada Athletic Commission for his part in a bottle-throwing incident with opponent Conor McGregor at a...",
"title": ""
},
{
"docid": "9dbab5f2e329f824b5c2abea65b5bd03",
"text": "Fish Oil versus Flax Seed OilâWhich Is Better? In one respect, fish oil is definitely “better” than flax seed oil. Fish oil contains two omega-3s that are especially important: EPA and DHA. The body uses EPA to create many hormone-like substances that reduce inflammation and other “excited” states in the body, such as raised blood pressure.n conclusion. Both fish oil and flax seed oil have benefits and potential drawbacks. Fish oil is an excellent and usually uncontaminated source of EPA and DHA, which the body uses to make the “calming” omega-3 fatty acids and keep the brain healthy.",
"title": ""
},
{
"docid": "a29b7587bee06d140ce4cbeeaf46e6aa",
"text": "Fish Oil Fish oil in a high lard diet prevents obesity, hyperlipemia, and adipocyte insulin resistance in rats. Many local epidemiological studies on blood fat have proved that a conservative estimate of the incidence of hyperlipemia is 7%-8% while the actual incidence might be above 10%.",
"title": ""
},
{
"docid": "0994da1f45b4cdb9ffc87d37da9b4a50",
"text": "Omega-3 Fish Oil and Pregnancy Which Foods Contain Omega-3 Fish Oil? The best sources of EPA and DHA are cold water fish such as salmon, tuna, sardines, anchovies, and herring. Many people are justifiably concerned about mercury and other toxins in fish, especially during pregnancy. For this reason, purified fish oil supplements are often the safest source of EPA and DHA.",
"title": ""
},
{
"docid": "ae2e7d5c737cafd9843bf8ed277459f1",
"text": "Top 10 Supplements for Women FISH OIL Overview Information. Fish oil can be obtained from eating fish or by taking supplements. Fish that are especially rich in the beneficial oils known as omega-3 fatty acids include mackerel, tuna, salmon, sturgeon, mullet, bluefish, anchovy, sardines, herring, trout, and menhaden.",
"title": ""
},
{
"docid": "f0f5469c8bb703324253f381fcebdc03",
"text": "Fish oil Fish oil is a dietary source of omega-3 fatty acids — substances your body needs for many functions, from muscle activity to cell growth. Omega-3 fatty acids are derived from food. They can't be manufactured in the body. Fish oil contains two omega-3s called docosahexaenoic acid (DHA) and eicosapentaenoic acid (EPA).",
"title": ""
},
{
"docid": "33fc876075e79ba0f62f820199da3181",
"text": "Can You Take Flax Oil & Fish Oil Together? Fish oil and flax oil contain different types of omega-3s, which are thought to have health benefits for many people. While you can take both oils, you don't necessarily need to consume both to reap all of the potential benefits.hile you can also find flaxseed supplements that contain whole or ground flax seeds, the oil contains concentrated amounts of omega-3 fatty acids. Flax oil is high in the other important omega-3: ALA.",
"title": ""
},
{
"docid": "ec694f14810f52ccb853bffa0a474123",
"text": "How to Make Fish Oil Making your own fish oil can save a lot of money in the long run. Continue reading to learn how to make fish oil. Cut the meat of a fish into 1-inch pieces. A fish that is high in fat will produce a better oil. Try using trout or salmon. The belly of the fish has the highest fat content, so use all of the belly meat.",
"title": ""
},
{
"docid": "c49a261532097b7c4f98768a34aa5b6d",
"text": "What is the recommended dosage for Fish Oil? 1 For combined high triglycerides and high cholesterol: Fish oils providing EPA 1800-2160 mg and DHA 1200-1440 mg combined with garlic powder 900-1200 mg/day has been used to lower total cholesterol, LDL, triglycerides, and the ratios of total cholesterol to HDL, and LDL to HDL.",
"title": ""
},
{
"docid": "580160d4995c94f8cd7c04b43ac5315d",
"text": "Fish Oil About Omega 3 Food Sources, 100% Vegetarian Omega-3. Golden microalgae oil is the richest marine omega-3 source and the source of fish omega-3s in the food chain. Get the source. Flax oil and milled flax seeds are a rich vegetarian omega 3 source, but flax doesn't have DHA or EPA. Neither does hemp seed omega-3 oil, or linseed oil or olive oil.",
"title": ""
},
{
"docid": "786ca383178827f5c39d3b44ffbb8eb6",
"text": "Fish oil Microalgae oil is a vegetarian alternative to fish oil. Supplements produced from microalgae oil provide a balance of omega-3 fatty acids similar to fish oil, with a lower risk of pollutant exposure.",
"title": ""
},
{
"docid": "8f3679e4762c15518c67c5e917c42c39",
"text": "fish oil fish oil - a fatty oil obtained from the livers of various fish. fish-liver oil. animal oil - any oil obtained from animal substances. tuna oil - an oil obtained from tuna.",
"title": ""
},
{
"docid": "1b24206ed720b5103c64c80035f06a64",
"text": "Everything You Need to Know About Fish Oil for Dogs There’s three commonly supplemented types of omega-3 fatty acids: 1 ALA (α-linolenic acid) Typically found in plant oils, with sources such as flaxseeds, walnuts, hemp, and other seeds. 2 EPA (eicosapentaenoic acid) and DHA (docosahexaenoic acid) Found in marine oil, sources: fish, eggs, squid, and krill.",
"title": ""
}
] |
msmarco_passage
|
63a582e8a13cfe2d4d0ffc5351c3aef0
|
what is the hebrew meaning of levites
|
[
{
"docid": "be5fb178fd3d24b3d6de95b78b97d9e6",
"text": "Levite The Hebrew word for Levite (lew) indicates a descendant of Levi, the son of Jacob and Leah ( Gen 29:34 ). There were three family clans within the tribe of LeviGershon, Kohath, and Meraribut it was only Kohath who supplied the Aaronic priests.",
"title": ""
}
] |
[
{
"docid": "3a7e817dfd8dedf5b9e7d323f1755086",
"text": "- Hebrew noun. › [U] the ancient language of the Jewish people, or the modern form of it, which is an official language of Israel › [C] a Jewish person, used especially about the Jews of ancient Israel. Hebraic adjective uk us /hɪˈbreɪ.ɪk/ › Hebraic studies. adjective uk us /hɪˈbreɪ.ɪk/.",
"title": ""
},
{
"docid": "5fdf5338b2328f873fb7f2236c4e05c7",
"text": "- The meaning of Leviticus is From the Levites. Its origin is Greek; Biblical. This name is mostly being used as a boys name. Last year it ranked 2,433rd in the U.S. Social Security Administration list of most popular baby boy names. The Book of Leviticus is the third book in the Hebrew Scriptures and refers to the tribe of Levi.",
"title": ""
},
{
"docid": "0b8700ffeebb77899d93438cbe47efab",
"text": "- Full Definition of LEVITATE. intransitive verb. : to rise or float in or as if in the air especially in seeming defiance of gravitation. transitive verb. : to cause to levitate. See levitate defined for English-language learners.See levitate defined for kids.ADVERTISEMENT.ord Root of LEVITATE. The Latin word levis, meaning “ lightweight, ” gives us the root lev. Words from the Latin levis have something to do with being light in weight. To lev itate is to be so light as to rise up into the air. To e lev ate is to lift something up to a higher level as if it is lightweight.",
"title": ""
},
{
"docid": "fb5eb41f3e6cf6fca8f71bb7204ee198",
"text": "Levi meaning The name Levi in the Bible. There is only one Levi in the Old Testament, namely the third son of Jacob with Leah (Genesis 29:34), who gave rise to the priestly caste of the Levites (which in singular form is spelled in Hebrew the same as the name Levi: לוי and in plural as a proper masculine plural: לוים, l'viyim.here is only one Levi in the Old Testament, namely the third son of Jacob with Leah (Genesis 29:34), who gave rise to the priestly caste of the Levites (which in singular form is spelled in Hebrew the same as the name Levi: לוי and in plural as a proper masculine plural: לוים, l'viyim.",
"title": ""
},
{
"docid": "999b26b78d0aeb1236b9590e993483d0",
"text": "Moshe Meaning The name Moshe is of Hebrew origin. The meaning of Moshe is drawn from the water. Moshe is generally used as a boy's name. It consists of 5 letters and 1 syllable and is pronounced Moshe.",
"title": ""
},
{
"docid": "b830be6b519f59de1b6f36a883f2ef69",
"text": "Book of Leviticus For the Christian metal band, see Leviticus (band). The Book of Leviticus (/lɪˈvɪtɪkəs/; from Greek λευιτικόν, Leuitikon — from rabbinic Hebrew torat kohanim) is the third book of the Jewish Bible (Hebrew: וַיִּקְרָא Vayikra/Wayyiqrā) and of the Old Testament; it's Hebrew name comes from its first word vayikraˈ, He [God] called..",
"title": ""
},
{
"docid": "d6d5d39f8ec6deee38ab8c6629cca603",
"text": "The Sons of Levi These were the sons of Levi, by their names; Gershon, Kehat, and Merari. (Num. The Levites were divided into three clans, the descendents of Levi's three sons. These clans were assigned the job of erecting, dismantling, and transporting the different components of the Tabernacle when it had to be moved.",
"title": ""
},
{
"docid": "af151b4e4c2b532c4f6c62338298dc6f",
"text": "×¢ Hebrew meaning. 🔼 1 The name Hebrew as ethnonym. 🔼 2 The name Hebrew in the Bible. 🔼 3 The Jewish problem. 🔼 The atheist who wouldn't sit 1 still. 🔼The dude in the nude. 🔼 The stone the builders 1 rejected. 🔼Etymology of the name Hebrew.",
"title": ""
},
{
"docid": "e9a9cdff124d656678bee96f59d9bf35",
"text": "- The Hebrew shophetim, or judges, were magistrates having authority in the land (Deut. 1:16, 17). In Judg. 18:7 the word magistrate (A.V.) is rendered in the Revised Version possessing authority, i.e., having power to do them harm by invasion.",
"title": ""
},
{
"docid": "3ad9c6f2f2ec79b0b52e885158c9ec53",
"text": "Hebrew n. 1. (Languages) the ancient language of the Hebrews, revived as the official language of Israel. It belongs to the Canaanitic branch of the Semitic subfamily of the Afro-Asiatic family of languages. 2. (Historical Terms) a member of an ancient Semitic people claiming descent from Abraham; an Israelite.",
"title": ""
},
{
"docid": "66eac495922edc1d2e7908216dee70e0",
"text": "Cliches In Hebrew, the root of the word (usually in a three or occasionally four letter format), and depending on the vowels that are used, has several meanings (that are relevant to the general meaning of the word Shalom); as for example: One meaning is Whole, another could be the actual verb Pay usually in command form.",
"title": ""
},
{
"docid": "e3a3b96ed4bee16af639fdb67c87e748",
"text": "- A Jew-Abraham's descendant-was thus called an Ivri until the word Yehudi, or Judaite (from the Biblical Judah) developed and gave rise to the word Jew.. Hebrew can also mean Jewish or something pertaining to Jewishness or Judaism, i.e., Hebrew School.",
"title": ""
},
{
"docid": "3a8b7be8645a16954bdd59714e88e567",
"text": "All about the name Levi About the name Levi. The meaning of the name Levi: Joined In Harmony. The origin of the name Levi: Hebrew. People who like the name Levi also like: Liam, Noah, Elijah, Eli, Asher, Ethan, Caleb. Charlotte, Ava, Olivia, Amelia, Sophia, Ella, Violet. Notes: Levi is a name with Hebrew origins.The meaning of the name Levi is Joined in Harmony. Common nicknames for the name Levi include Lev and Levvy. Levi was the son of Jacob and Leah in the Old Testament. There are several famous people with the name Levi.Levi Strauss was the creator of blue jeans in the United States.he meaning of the name Levi is Joined in Harmony. Common nicknames for the name Levi include Lev and Levvy. Levi was the son of Jacob and Leah in the Old Testament. There are several famous people with the name Levi. Levi Strauss was the creator of blue jeans in the United States.",
"title": ""
},
{
"docid": "0ec468debc01e5a4810a42d0c8353058",
"text": "- Confidence votes 27. Hebrew is the anglicized form of the Hebrew word 'ibri, which comes from the root word ayin-bet-resh, to cross or pass over..The word means something along the lines of ones from the other side/beyond, though the other side of what exactly isn't clear -- perhaps the Jordan River, or perhaps the Euphrates.he Hebrew word for America is Ame … rika (אמריקה). The Hebrew for the United States of America is Artzot ha-Brit (ארצות הברית) which literally means Lands of the Covenant; a more literal translation of United States is ha-Midinot ha-Me'ukhadot (המדינות המאוחדות). 1 person found this useful.",
"title": ""
},
{
"docid": "21a833761fcab44e98600f167a8137be",
"text": "Levi (surname) Levi or Levi lévi is A jewish. Surname it is a transliteration of The hebrew לוי meaning. Joining another spelling of the name Is levy Or. Levy lévy According to, jewish tradition people With the levi Surname are levites and can claim patrilineal descendance From the leviim of. biblical timesevi or Levi lévi is A jewish. Surname it is a transliteration of The hebrew לוי meaning. Joining another spelling of the name Is levy Or. Levy lévy According to, jewish tradition people With the levi Surname are levites and can claim patrilineal descendance From the leviim of. biblical times",
"title": ""
},
{
"docid": "dd29cfbec7c3e77d6ece63fef5c50b42",
"text": "Levite This name is, however, generally used as the title of that portion of the tribe which was set apart for the subordinate offices of the sanctuary service ( 1 Kings 8:4 ; Ezra 2:70 ), as assistants to the priests.",
"title": ""
},
{
"docid": "edaa15f7aa28df60c940fcb90af219b8",
"text": "- The Hebrew word, torah (תורה), is derived from a root that was used in the realm of archery, yareh (ירה). Yareh means to shoot an arrow in order to hit a mark. The mark or target, of course, was the object at which the archer was aiming.Consequently, torah, one of the nouns derived from this root, is, therefore, the arrow aimed at the mark, The target is the truth about God and how one relates to Him.he Hebrew word, torah (תורה), is derived from a root that was used in the realm of archery, yareh (ירה). Yareh means to shoot an arrow in order to hit a mark. The mark or target, of course, was the object at which the archer was aiming.",
"title": ""
},
{
"docid": "123e4c35c3b7d5322ffd921909851c0d",
"text": "Levi Meaning The name Levi is of Hebrew origin. The meaning of Levi is attached. Levi is generally used as a boy's name. It consists of 4 letters and 2 syllables and is pronounced Le-vi.",
"title": ""
},
{
"docid": "246353291f13ce69e9ee8203ed69e640",
"text": "What does Moses mean? Moses [moses]▼ as a boys' name is pronounced MOH-ziz. It is of Hebrew origin, and the meaning of Moses is savior. Also possibly (Hebrew) drawn out of the water. Biblical: name of the Hebrew infant pulled out of the River Nile and adopted by the Egyptian Pharoah's daughter. Moses later became the great leader of the exiled Israelites. Moses ben Maimon (12th century), also known as Maimonides, was a Jewish scholar born in Moorish Spain.",
"title": ""
},
{
"docid": "e7627e2c1b8cbb62b3dcb855b2ba5e03",
"text": "Simeon The Hebrew meaning of his name means God has heard that I was unloved (Genesis 29:33). He and his brother Levi destroyed the entire village of Shechem in retribution for the rape of their sister Dinah (Genesis 34). Simeon was a part of the plot to sell his brother Joseph into slavery.",
"title": ""
},
{
"docid": "3576b054e484d371748099861e8584ad",
"text": "Definitions &Translations Exodus (noun). a going out; particularly (the Exodus), the going out or journey of the Israelites from Egypt under the conduct of Moses; and hence, any large migration from a place. Exodus (noun). the second of the Old Testament, which contains the narrative of the departure of the Israelites from Egypt.",
"title": ""
},
{
"docid": "2bddd49e8cde8b9801a0498c759d54a9",
"text": "What does Levi mean? What does Levi mean? Levi [levi]▲ as a boys' name is pronounced LEE-vye. It is of Hebrew origin, and the meaning of Levi is joined. Biblical: Levi, third of Jacob's 12 sons, became father of the Levites tribe that was later assigned priestly duties. The name was revived by the Puritans.",
"title": ""
},
{
"docid": "0548590ff32e0c60721f1648addb8e5d",
"text": "- Hebrew (/ˈhiːbruː/; עברית, Ivrit [ʔivˈʁit] or [ʕivˈɾit]) is a language native to Israel, spoken by over 9 million people worldwide, of whom over 5 million are in Israel. Historically, it is regarded as the language of the Israelites and their ancestors, although the language was not referred to by the name Hebrew in the Tanakh. The earliest examples of written Paleo-Hebrew date from the 10th century BCE.",
"title": ""
},
{
"docid": "9c744cae6d928e060cd3638b0408d480",
"text": "Levi In the Old Testament, Levi was the third son of Leah and Jacob, from whom the priestly tribe of Levites descended; in the New Testament, Levi was Matthew 's given name before he became an apostle.In the Thomas Hardy novel Far from the Madding Crowd, Levi Everdene is the father of the heroine.n the Old Testament, Levi was the third son of Leah and Jacob, from whom the priestly tribe of Levites descended; in the New Testament, Levi was Matthew 's given name before he became an apostle.",
"title": ""
},
{
"docid": "416b1eb497f20fc7928f03038cc42ef9",
"text": "Jewish Family Names The surname Levy comes from the biblical tribe of Levi. The Levites had distinctive duties in the Temple period. Lavigne, even though it is pronounced like Levine, is a French surname and not a variation of the Levy family name. In the United States, Levy is the second most common surname for people of Jewish descent. Notable people with the Levy surname include the following: Jacques Levy, a Jewish American songwriter.",
"title": ""
}
] |
msmarco_passage
|
82fc42ef19ad709ac1170d17a5317639
|
northwood nd population
|
[
{
"docid": "332f680a68c568c90485c218115cc42d",
"text": "Northwood Northwood is a city in Grand Forks County, North Dakota in the United States. It is part of the Grand Forks, ND-MN Metropolitan Statistical Area or Greater Grand Forks. The population was 945 at the 2010 census. Northwood was founded in 1884. A tornado, rated EF4 on the Enhanced Fujita Scale, struck Northwood on the evening of August 26, 2007 causing destruction to the entire town and killing one person.",
"title": ""
}
] |
[
{
"docid": "2a6d043a79e49d9ff9214321e405388e",
"text": "About North Simcoe Muskoka LHIN The North Simcoe Muskoka (NSM) LHIN has a population of 453,710 (2009), representing 3.5% of Ontario’s population.",
"title": ""
},
{
"docid": "3215f24fe3c649781f9490bc42e85d45",
"text": "North Dakota The United States Census Bureau estimates that the population of North Dakota was 757,952 on July 1, 2016, a 12.7% increase since the 2010 United States Census. This makes North Dakota the U.S. state with the largest percentage in population growth since 2011.",
"title": ""
},
{
"docid": "9d1059342469903dcda55255a8aa0d77",
"text": "Aliexpress Payment Methods Hi all, I would like some small inexpensive items from Aliexpress, but I am a bit uncertain about the payment methods. The options seem to be credit card or Western Union.They appear to allow bank transfer, but being an international bank account, I have no clue how I would make that payment. should add that I am aware that buying from Aliexpress does carry a high degree of risk. I am not really fussed if I don't get the items and lose the small cost of them, my main concern is keeping my credit card details safe so I can't lose any money beyond the cost of the items.",
"title": ""
},
{
"docid": "5031927dabff5f61c301432d5ba12569",
"text": "Population of Maplewood, MN Population of Maplewood, MN. Last official estimated population of Maplewood city (Ramsey County**, Minnesota state) was 40,199 (year 2014)[1]. This was 0.013% of total US population and 0.73% of total Minnesota state population. Area of Maplewood city is 18.0 mi² (=46.6 km²)[6], in this year population density was 2,235.39 p/mi².",
"title": ""
},
{
"docid": "02fa75099d55277ad5fbc96785d0486b",
"text": "Registered Nurse (RN) in Fargo, North Dakota Salary Fargo, along with its twin city of Moorhead, Minnesota, as well as adjacent West Fargo, North Dakota and Dilworth, Minnesota, form the core of the Fargo-Moorhead, ND-MN Metropolitan Statistical Area, which in 2014 contained a population of 228,291.",
"title": ""
},
{
"docid": "94b611154ccedfd40d5f863baf7dfd31",
"text": "Glenwood, Minnesota Glenwood, Minnesota. Glenwood is a city and the county seat of Pope County, Minnesota, United States. The population was 2,564 at the 2010 census. It is located on the northeastern shore of Lake Minnewaska. Contents.",
"title": ""
},
{
"docid": "241eb1b5398536ded048db2ef2282336",
"text": "Northwood, ND Population and Races As of 2010-2014, the total population of Northwood is 750, which is 21.79% less than it was in 2000. The population growth rate is much lower than the state average rate of 9.77% and is much lower than the national average rate of 11.61%.",
"title": ""
},
{
"docid": "fe89c0d406334ef93c0276930325a2ce",
"text": "Registered Nurse (RN) in Fargo, North Dakota Salary Fargo, North Dakota. Fargo is the most populous city in the state of North Dakota, accounting for over 15% of the state population. Fargo is also the county seat of Cass County. According to the 2015 United States Census estimates, its population was 118,523.",
"title": ""
},
{
"docid": "317ebd580f48b5760bcdf897f3a71101",
"text": "- Sioux Falls’ combined population is 178,500 That’s a 3 percent increase from last year’s estimate of 173,300 18 percent of Sioux Falls residents are non-white.",
"title": ""
},
{
"docid": "800bcdaebc16ef58224a6422a9e9c8f1",
"text": "Dunseith, North Dakota Census Data & Community Profile Dunseith, North Dakota Town Center: At the time of the most recent United States Census Survey, the number of people in Dunseith, ND was 739. At the time of the last full census survey, the number of men in Dunseith was 351, which represents 47.5 percent of the total for the community (The national average is 49.10%).",
"title": ""
},
{
"docid": "debbe03332d5955577d34a7e3d4b4ae1",
"text": "- Research population size, race, gender and other trends in the Northwood, ND population. View detailed tables and graphs of Northwood, ND data.",
"title": ""
},
{
"docid": "d740d2c8b1aecd8d948f17266f646daf",
"text": "Elmwood Park, New Jersey Elmwood Park, NJ. Online Offers. Elmwood Park is a borough in Bergen County, New Jersey, United States. As of the 2010 census, the borough population was 19,403. Prior to 1916, the area was known as Dundee Lake, a section of Saddle River Township. Residents of the Dundee Lake area voted on April 18, 1916, to secede from Saddle River Township to form the Borough of East Paterson.",
"title": ""
},
{
"docid": "5161458a664fed00cf16c42527abfc40",
"text": "Dunseith, North Dakota Census Data & Community Profile American Indian and Alaska Native Population in Dunseith, ND. In 2000, the number of American Indians or Alaska Natives in Dunseith, ND was 525. Asian Population in Dunseith, North Dakota. At the last survey, the total Asian population in the community was 1.",
"title": ""
},
{
"docid": "392bd930d1b2582a80af87db96f2010d",
"text": "North Korea - Population Population of North Korea goes up North Korea ended 2016 with a population of 25,368,620 people, which represents an increasea of 124,703 people compared to 2015. North Korea ranks No. 50 among195 countries which published this information in countryeconomy.com.",
"title": ""
},
{
"docid": "2e16cd5e9e1227643019a21fcabb7814",
"text": "Northway, Alaska Northway, Alaska. Northway (K’ehtthiign in Upper Tanana Athabascan) is a census-designated place (CDP) in Southeast Fairbanks Census Area, Alaska, United States. The population was 71 at the 2010 census.",
"title": ""
},
{
"docid": "c829091979b6bbf3401d1a6d0a046582",
"text": "Link to online utility payment system Glenwood is set amid rolling hills on the eastern shore of Lake Minnewaska and has been the county seat of Pope County since 1866. The City of Glenwood has a population of approximately 2,600 and is located 15 miles south of Interstate 94 on Highway 29 or 120 miles northwest of the Twin Cities, at the junction of Highways 28, 29, 55 and 104. 137 East Minnesota Avenue. Glenwood, MN 56334.",
"title": ""
},
{
"docid": "75bf0daf9193b7bf3f8f1383b71ddf60",
"text": "- With a focus on the growing m-commerce and computer security markets, NXT-ID introduces our advanced MobileBio® technology. Secure consumers’ platforms via customized authentication and encryption solutions.",
"title": ""
},
{
"docid": "fa2ec0f3ace313bdb681bab6ef776a70",
"text": "Wildwood, FL Population and Races The Wildwood population density is 169.71 people per square mile, which is lower than the state average density of 294.44 people per square mile and is much higher than the national average density of 82.73 people per square mile.",
"title": ""
},
{
"docid": "437ae2935a6e9739aaebdf462b30480e",
"text": "Pick City, ND Profile: Facts, Map & Data Pick City, North Dakota - Basic Facts. The City of Pick City had a population of 123 as of July 1, 2016. Pick City ranks in the lower quartile for Diversity Index when compared to the other cities, towns and Census Designated Places (CDPs) in North Dakota. See peer rankings below. The primary coordinate point for Pick City is located at latitude 47.5117 and longitude -101.4571 in Mercer County.",
"title": ""
},
{
"docid": "e76a1822a0598f081e76ab177cf68ef7",
"text": "- Also, benchmarked against the state of North Dakota, Population Change of 7.3%, Binford is about twice as large. Looking at population density in Figure 5 Binford illustrates it has 454 population density which is the largest of all placesin the area.",
"title": ""
},
{
"docid": "cd2fffe1e9e17003bce26271a4e259d7",
"text": "North St. Paul, Minnesota North St. Paul, Minnesota. North Saint Paul (abbreviated North St. Paul) is a city in Ramsey County, Minnesota, located east–northeast of the city of Saint Paul. The population was 11,460 at the 2010 census. North Saint Paul is a distinct city, and not a neighborhood of nearby Saint Paul.",
"title": ""
},
{
"docid": "31e45e2a58e7083f4f546b5d5c10880a",
"text": "- In 2016, the estimated population of South Dakota is 858,469. The current population of South Dakota is estimated at 858,469, which shows an increase from the 2010 Census. The state currently enjoys a growth rate of 1.17%, which ranks 11th in the country.",
"title": ""
},
{
"docid": "21b4e470467ce2b24e55cdac9002fac3",
"text": "- McLean County, North Dakota - Home. Welcome to McLean County, North Dakota! McLean County, North Dakota was founded in 1883, six years before North Dakota achieved statehood. Located in central North Dakota, the county has a population of about 10,000. The county seat is located in Washburn. The McLean County Courthouse is home to most McLean County government agencies.",
"title": ""
},
{
"docid": "7d435c8d0fc0835fa6daf4cdbf3217d1",
"text": "- Population in families living in North Pole ; Total Population: 1,710; Population Under 18 years: 586; Population 18 years and over: 1,124",
"title": ""
},
{
"docid": "afca3422f38a94b50bcc22dd5c951827",
"text": "- Payson has a total of 13,620 people and of those residents there are 6,532 males and 7,088 females. The median age of the male population is 47.1 and the female population is 50.7. There are approximately 677 births each year and around 579 deaths. The race breakdown of the population in Payson varies per year, but currently 13,460 are one race and 160 are two or more races. Of the 13,620 people who live in Payson, there are 3,020 under 20 years old. The sex breakdown of the 20 years old and younger population in Payson is 1,554 male and 1,466 female. If you have children or you are under the age of 20, then you will be considered in that statistic. For those of you who are older, then you will be part of the population that is 18 years and older and totals 10,881.",
"title": ""
}
] |
msmarco_passage
|
48cde833cad9acc17482f3b3d671317d
|
who are the major stars of the movie the circle?
|
[
{
"docid": "fab6e7cc9f3926c9391978414b2e9450",
"text": "- Advance Tickets. Based on the international best-seller by Dave Eggers, THE CIRCLE is a thrilling modern morality tale starring Emma Watson, Tom Hanks, and John Boyega.",
"title": ""
}
] |
[
{
"docid": "4c587a809ff01751e2940da5ade78d47",
"text": "Jessica Parker Kennedy Jessica Parker Kennedy. Jessica Parker Kennedy (born October 3, 1984) is a Canadian actress. She played Melissa on the CW series The Secret Circle, and has also appeared on the television series Smallville, Undercovers, and Kaya. She stars in the Starz original series Black Sails.",
"title": ""
},
{
"docid": "a655b376af2eaf81a9e03c13c4563ea5",
"text": "- The Hollywood Squares (1966): Peter Marshall, Kenny Williams (II), Morey Amsterdam, Cliff Arquette, Wally Cox, Nanette Fabray, George Gobel, Rose Marie Search",
"title": ""
},
{
"docid": "e19a05dfd5025aee0baa1f4cf795c242",
"text": "- Birthday greetings to actress STEFANIE POWERS; she’s 73 years old today. She portrayed April Dancer in the short-lived NBC television spy thriller. Find this Pin and more on My Fav Actresses by vicki2win. Stefanie Powers with perfect flip. Again, a mature woman choosing a modern flip to draw viewers eyes up and camouflage any neck or jowl issues.",
"title": ""
},
{
"docid": "21acf202dcbe46ca9893b26da45f253f",
"text": "Love The Coopers See June Squibb and the rest of the gang in the new Christmas comedy, Love the Coopers - In Theaters Friday. Alan Arkin, Alex Borstein, John Goodman, Ed Helms, Diane Keaton, Jake Lacy, Anthony Mackie, Amanda Seyfried, June Squibb, Marisa Tomei, Olivia Wilde.",
"title": ""
},
{
"docid": "3330a3c4b0510f6cc18ae41d97d0370a",
"text": "- Kingsman: The Golden Circle: Movie Clip - That Dog Don't Hunt Kingsman: The Golden Circle: Exclusive Cast Interview The cast of 'Kingsman: The Golden Circle' sit down with Fandango's Nikki Novak and get a little personal. Weekend Ticket: Kingsman: The Golden Circle, The Lego Ninjago Movie, Battle of the Sexes",
"title": ""
},
{
"docid": "f555aae39538eab0ee83f853c7d47b00",
"text": "The Fault in Our Stars Blu-ray The Fault in Our Stars Blu-ray, News and Updates. Twentieth Century Fox Home Entertainment will release on Blu-ray Josh Boone's film The Fault in Our Stars (2014), starring Shailene Woodley, Ansel Elgort, Nat Wolff, Laura Dern, Willem Dafoe, and Lotte Verbeek. The release will be available for purchase on September ...",
"title": ""
},
{
"docid": "9fcf2fa09b36ade7edd83ae8513d9b6b",
"text": "chapter 9 biology Recombination occurs when homologous chromosomes with different alleles exchange DNA by crossing over at a point called a chiasma. ++Remember that different alleles must be involved before crossing over can be called recombination.",
"title": ""
},
{
"docid": "3df367cac1b044ddfe88481bfebcba88",
"text": "- Cast Danny Glover Mike Harrigan Gary Busey Peter Keyes Rubén Blades Danny Archuletta Maria Conchita Alonso Leona Cantrell Bill Paxton Jerry Lambert Kevin Peter Hall The Predator Robert Davi Heinemann Adam Baldwin Garber Kent McCord Captain Pilgrim Morton Downey, Jr. Pope Calvin Lockhart King Willie Jackie Burch, Casting Ferne Cassel, Casting",
"title": ""
},
{
"docid": "832a511cfbdf10666436cf9b01532f73",
"text": "All-Star 'Spotlight' Cast Creates A Riveting Movie About Investigative Journalism All-Star 'Spotlight' Cast Creates A Riveting Movie About Investigative Journalism. Michael Keaton, Liev Schreiber, Mark Ruffalo, Rachel McAdams, John Slattery and Brian D'Arcy James are members of the Boston Globe investigation team that uncovers a sex-abuse scandal involving the Catholic Church in the film, Spotlight.",
"title": ""
},
{
"docid": "df45f22496f2b342bf7ff57e96f337da",
"text": "- County Theater-The North Star. The North Star is the story of BENJAMIN 'BIG BEN' JONES (Jeremiah Trotter) and MOSES HOPKINS (Thomas C. Bartley Jr.), two slaves who escaped from a Virginia plantation and made their way to freedom in Buckingham, Pennsylvania in 1849.",
"title": ""
},
{
"docid": "6dbc5c076f94269d99385793f2cefae9",
"text": "- Cast & Crew. 1 Billy ZaneActor. 2 Kate WinsletActor Ask Kate Winslet what she likes about any of her characters, and the word ballsy is bound to pop up at least once. 3 Leonardo DiCaprioActor. Lewis 1 AbernathyActor. Suzy AmisActor. Victor GarberActor.",
"title": ""
},
{
"docid": "58a2f10e60a50b563d57c17b3ca106bd",
"text": "The Circle The Circle Photos. Movie Info. The Circle is a gripping modern thriller starring Emma Watson (Harry Potter), Tom Hanks (Sully) and John Boyega (Star Wars: The Force Awakens). When Mae (Emma Watson) is hired to work for the world's largest and most powerful tech & social media company, she sees it as an opportunity of a lifetime.",
"title": ""
},
{
"docid": "5d357b86b56fd1f6cb9e68f75c9fe487",
"text": "Circle of Life 04:07. Circle of Life is the opening song of Disney's 1994 animated film The Lion King, composed by Elton John with lyrics by Tim Rice. It was performed by Carmen Twillie (female vocals) and Lebo M (opening Zulu vocals) as the film's opening song.",
"title": ""
},
{
"docid": "056cbe284046694f8ac1bb84db7bcaea",
"text": "Disney â Circle of Life (The Lion King) Circle Of Life as written by and Reginald Dwight Elton John....",
"title": ""
},
{
"docid": "bf8b6f62c781e11c8e7d76cf86d8e46f",
"text": "Predator (film) The main cast of Predator. Left to right: Ventura, Black, Schwarzenegger, Duke, Weathers, Landham, and Chaves A spacecraft flies near Earth and releases a bright object which enters the atmosphere.",
"title": ""
},
{
"docid": "3c0a99848767ecc95f83c69752dc8396",
"text": "2015 Golden Globes: Complete Winners List It was a big night for Birdman, Boyhood, and Transparent at the 2015 Golden Globes. The four biggest acting nods for motion pictures went to Michael Keaton (Birdman), Eddie Redmayne (The Theory of Everything), Julianne Moore (Still Alice) and Patricia Arquette (Boyhood).",
"title": ""
},
{
"docid": "00f530067be0507893457e36454d6b98",
"text": "Supernova (2000 film) Supernova chronicles the search-and-rescue patrol of a medical ship in deep space in the early 22nd century and its six-member crew, which includes captain and pilot A.J. Marley (Robert Forster), co-pilot Nick Vanzant (James Spader), medical officer Kaela Evers (Angela Bassett), medical technician Yerzy Penalosa (Lou Diamond Phillips), search and rescue paramedic Danika Lund (Robin Tunney) and computer technician Benjamin Sotomejor (Wilson Cruz).",
"title": ""
},
{
"docid": "c51a4ec7b4433fa13164864c9f7bddc9",
"text": "- The Disaster Artist is wonderful fun, and the actors involved are here because they love Wiseau's movie. The celebrity cameos are another aspect that helps to add to the film's sense of frivolity, spotting familiar faces in roles such as Casting Agent #2 (Casey Wilson), Actor Friend (Jerrod Carmichael) and Hollywood Producer (Judd Apatow).",
"title": ""
},
{
"docid": "1bcf54e3201590eb00e37794fb57fc44",
"text": "- The Bling Ring is a 2013 satirical crime film written, directed and produced by Sofia Coppola. It features an ensemble cast including newcomers Israel Broussard, Katie Chang, and Claire Julien, as well as Taissa Farmiga and Emma Watson.",
"title": ""
},
{
"docid": "c428553ec033d8178a9645ec0a49392b",
"text": "Marlon Brando Brando was on his best behavior during filming, buoyed by an impressive cast that included Al Pacino, Robert Duvall, James Caan and Diane Keaton. In the Vanity Fair article The Godfather Wars Mark Seals writes, With the actors, as in the movie, Brando served as the head of the family.",
"title": ""
},
{
"docid": "9def4d42bdb89ae055993a8fb8c9f71e",
"text": "- The Boston Globe Tweet Share. The “Spotlight” cast with the reporters they play in the movie. Globe Staff October 28, 2015. In 2003, the members of The Boston Globe Spotlight Team won a Pulitzer Prize for a series of reports that uncovered the systemic cover-up of child abuse by the Catholic Church in Boston.",
"title": ""
},
{
"docid": "f6f7855bb86c027ea7af080fb7f7134d",
"text": "Silver Linings Playbook Silver Linings Playbook is a 2012 American romantic comedy-drama film written and directed by David O. Russell. It was adapted from the novel The Silver Linings Playbook, by Matthew Quick. The film stars Bradley Cooper and Jennifer Lawrence, with Robert De Niro, Jacki Weaver, Chris Tucker, Anupam Kher, and Julia Stiles in supporting roles. Cooper plays Patrizio Pat Solitano, Jr., a man with bipolar disorder who is released from a psychiatric hospital and moves back in with his parents, played",
"title": ""
},
{
"docid": "4e9e00fa7a9dbdc7db1797ffb4eec547",
"text": "The Big Lebowski Cast. 1 Jeff Bridges as Jeffrey The Dude Lebowski. Bridges had heard or was told by the Coen brothers that they had written a screenplay for him. 2 John Goodman as Walter Sobchak. Walter was based, in part, on screenwriter and director John Milius. 3 Steve Buscemi as Theodore Donald Donny Kerabatsos.",
"title": ""
},
{
"docid": "bd42b6c11c03be455430bcd435cd17cd",
"text": "Shailene Woodley And Ansel Elgort Discuss Playing Siblings And Lovers As The Fault In Our Stars premiere inches closer and closer, the cast is gearing up to show fans the movie version of the beloved young adult book by John Green. Shailene Woodley, Ansel Elgort, Nat Wolff, Laura Dern and Sam Trammell joined Green and director Josh Boone in New York City this weekend for a press conference in which they discussed the making of the most-anticipated films of the year.",
"title": ""
},
{
"docid": "393f36beac47c2a86ef1df23b8123c3d",
"text": "John Travolta becomes the perfect woman The decision was a good one, because he makes a sweet, lovable Edna Turnblad, who sings, dances and is madly in love with her husband, played by Travolta's old pal and fellow former Broadway hoofer Christopher Walken, in the third incarnation of John Waters's musical, Hairspray.",
"title": ""
}
] |
msmarco_passage
|
7b9f4f15d27cfc08964f1d0ceb747ab0
|
what does mount olympus mean
|
[
{
"docid": "467d1561196b9458ccfc4f855f570c7b",
"text": "- Mount Olympus, a mountain in NE Greece: the highest mountain in Greece, believed in Greek mythology to be the dwelling place of the greater gods. Height: 2911 m (9550 ft) Modern Greek name Ólimbos 2.",
"title": ""
}
] |
[
{
"docid": "c3d7313f194a39bcf1b0d1738161f693",
"text": "PINNACLE The noun PINNACLE has 3 senses: 1. (architecture) a slender upright spire at the top of a buttress of tower. 2. the highest level or degree attainable; the highest stage of development. 3. a lofty peak. Familiarity information: PINNACLE used as a noun is uncommon.. (architecture) a slender upright spire at the top of a buttress of tower. 2. the highest level or degree attainable; the highest stage of development. 3. a lofty peak. Familiarity information: PINNACLE used as a noun is uncommon.",
"title": ""
},
{
"docid": "1a53993f427551b020b006c5435735be",
"text": "Highest Mountain in the World Depending upon how you define highest mountain, Mount Everest has some rivals! Highest Altitude: An altitude of 8,850 meters (29,035 feet) above sea level makes Mount Everest the mountain on Earth with the highest altitude. Highest altitude means that it has the highest elevation above mean sea level.epending upon how you define highest mountain, Mount Everest has some rivals! Highest Altitude: An altitude of 8,850 meters (29,035 feet) above sea level makes Mount Everest the mountain on Earth with the highest altitude. Highest altitude means that it has the highest elevation above mean sea level.",
"title": ""
},
{
"docid": "59349aacde4c19684b5d1bc304da9c04",
"text": "Mount Olympus of Greek Mythology Though the gods of Greek mythology didn't necessarily have the structured leadership that the humans of the time did (King, Queen, Prince, etc.), Zeus was very much considered by all to be the leader of gods and men, and Mount Olympus was his domain above all others.",
"title": ""
},
{
"docid": "86393b48d3e1fff33d489ecca5943b45",
"text": "Olympus Mons Olympus Mons covers an area approximately the size of Arizona, or about 300,000 km 2 (120,000 sq mi). Being a shield volcano, Olympus Mons has a very low profile. The average slope on the volcano's flanks is only 5°.",
"title": ""
},
{
"docid": "60496a0f55a31086b5933d1bdcc16b8d",
"text": "What is the Acropolis? exists and is an alternate of . An acropolis is a hill in Greece which means upper city. When a city-state was formed, a hill was fortified as a refuge during attack - it contained a temple of the patron god/goddess and the settlement's valuables were stored there under protection of the deity. As the area developed, a city grew up around it, often walled.",
"title": ""
},
{
"docid": "0922af5144df78cd70f78d67212a1e08",
"text": "Definitions &Translations Parnassus, Mount Parnassus, Liakoura (noun) (Greek mythology) a mountain in central Greece where (according to Greek mythology) the Muses lived; known as the mythological home of music and poetry Liakoura is the modern name of Mount Parnassus",
"title": ""
},
{
"docid": "ed85279df1f1e1282137baed948a4229",
"text": "- A caldera 80 km (50 mi) wide is located at the summit of Olympus Mons. To compare, the largest volcano on Earth is Mauna Loa. Mauna Loa is a shield volcano 10 km (6.3 mi) high and 120 km (75 mi) across. The volume of Olympus Mons is about 100 times larger than that of Mauna Loa.In fact, the entire chain of Hawaiian islands (from Kauai to Hawaii) would fit inside Olympus Mons!auna Loa is a shield volcano 10 km (6.3 mi) high and 120 km (75 mi) across. The volume of Olympus Mons is about 100 times larger than that of Mauna Loa. In fact, the entire chain of Hawaiian islands (from Kauai to Hawaii) would fit inside Olympus Mons!",
"title": ""
},
{
"docid": "ef07be3d5ef16fd6de5b824d1b61f801",
"text": "Mount Olympus (Washington) Mount Olympus is the tallest and most prominent mountain in the Olympic Mountains of western Washington state. Located on the Olympic Peninsula, it is the central feature of Olympic National Park.",
"title": ""
},
{
"docid": "82e92e461a8c4a1a128029dd4e2b7e95",
"text": "Highest Mountain in the World Almost everyone calls Mount Everest the highest mountain in the world, and climbers from everywhere travel to Everest hoping to earn the distinction of climbing the World's Highest. What does world's highest really mean? Mount Everest is called the world's highest mountain because it has the highest elevation above sea level. We could also say that it has the highest altitude. The peak of Mount Everest is 8,850 meters (29,035 feet) above sea level. No other mountain on Earth has a ...",
"title": ""
},
{
"docid": "bcbb33f2317a5b91ea6d3abeac9a2f20",
"text": "AETHER The noun AETHER has 2 senses: 1. personification of the sky or upper air breathed by the Olympians; son of Erebus and night or of Chaos and darkness. 2. a medium that was once supposed to fill all space and to support the propagation of electromagnetic waves.Familiarity information: AETHER used as a noun is rare.Dictionary entry details.. personification of the sky or upper air breathed by the Olympians; son of Erebus and night or of Chaos and darkness. 2. a medium that was once supposed to fill all space and to support the propagation of electromagnetic waves.",
"title": ""
},
{
"docid": "0f1602b0201929b7977759798e1489cd",
"text": "mount 1 Word Origin and History for mount Expand. v. c.1300, to mount a horse; mid-14c., to rise up, ascend; fly, from Old French monter to go up, ascend, climb, mount, from Vulgar Latin *montare, from Latin mons (genitive montis) mountain (see mount (n.)). Meaning to set or place in position first recorded 1530s.",
"title": ""
},
{
"docid": "ecf574c04ad13a8cd792cd1f37d30475",
"text": "Acropolis The word acropolis means highest point. Most Greek cities had their acropolis, where people sheltered during war times and where they built their sanctuaries. Today the term refers specifically to the Acropolis in Athens, a 156 meter (512 ft) high limestone rock.",
"title": ""
},
{
"docid": "154257aefff815d1230b4d6e9130393b",
"text": "Ancient Greece Zeus was the king of the Greek gods who lived on Mount Olympus. He was the god of the sky and thunder. His symbols include the lightning bolt, the eagle, the bull, and the oak tree. He was married to the goddess Hera.",
"title": ""
},
{
"docid": "546d8f3bfd8799fa37799c8b162b6fcf",
"text": "- Mount Olympus, a divine place to be! Mount Olympus was the lightest and most worshipped mountain of Greece. A magnificent place with numerous forests and gorges and summits of different heights, blessed with mild climate, and surrounded by Uranus, the heaven.",
"title": ""
},
{
"docid": "61db0a3a40d1afc5f2ccd1c5fb1b6f6a",
"text": "- Mt. Fuji is called Fuji-san in Japanese, written as 富士山, with 'san' = mountain. It is actually an active volcano, and is the most important peak symbolically in Japan. (People also call it Fuji-san to mean Mr. Fuji in a sense, because it's so familiar.).Some reasons for its importance:1.t. Fuji is called Fuji-san in Japanese, written as 富士山, with 'san' = mountain. It is actually an active volcano, and is the most important peak symbolically in Japan. (People also call it Fuji-san to mean Mr. Fuji in a sense, because it's so familiar.). Some reasons for its importance: 1.",
"title": ""
},
{
"docid": "f7426b37862489948080455719530faf",
"text": "Greeceâs highest mountain and the realm of the 12 Olympian gods promise you a divine experience WHERE THE GODS STILL REIGN. Greece’s highest mountain and the realm of the 12 Olympian gods promise you a divine experience. You may have already decided that you’re going to sit on the throne of Zeus with all Greece at your feet. Central Greece’s highest and most majestic mountain, Olympus, is a world in itself. And there is much to discover even if you don’t make it to the summit: gentle paths, hidden corners, towering trees, unique wildflowers and wild rocks, below and above the clouds.",
"title": ""
},
{
"docid": "9f3ca3d9ab2372a988d13580383f68ba",
"text": "Olympus Mons is a volcano almost three times as tall as Mount Everest. Olympus Mons is found on the fourth planet which is called Mars? Olympus Mons is located on the planet Mars and is 624 km (374 mi) in diameter by 25 km (16mi) high. It is 2.6 times taller than Mauna Kea on Earth.",
"title": ""
},
{
"docid": "d1c33205babad0d5b54aa84026a08da2",
"text": "The Hundred-Year Climb of Mount Olympus He had soon reached the top; it was the top of Mount Olympus. So on August 2, 1913 (the Swiss already used the same calendar), at 10 hours and 25′ a.m., the group conquered the highest peak in Greece, the untrodden then summit of of Mount Olympus.",
"title": ""
},
{
"docid": "acb8de92c8d162fcb749683618913ee8",
"text": "Mount Olympus Mount Olympus (/oʊˈlɪmpəs, ə-/; Greek: όλυμπος; also transliterated as Olympos, and on Greek maps, Oros Olympos) is the highest mountain in Greece. It is located in the Olympus Range on the border between Thessaly and Macedonia, between the regional units of Pieria and Larissa, about 80 km (50 mi) southwest from Thessaloniki.",
"title": ""
},
{
"docid": "f7d0f4e04a4821c092654a6dbbe3b500",
"text": "The Hundred-Year Climb of Mount Olympus The first man to climb the peak of Mount Olympos was a Greek, Christos Kakkalos, on 2 August, 1913. This was the first absolute climbing and conquering of Mount Olympus.",
"title": ""
},
{
"docid": "7ee4ed9c13b759dfae65dd8fb3860989",
"text": "Twelve Olympians The Twelve Olympians, also known as the Dodekatheon (Greek: δωδεκάθεον，δώδεκα, dōdeka, twelve and θεοί, theoi, gods), were the principal deities of the Greek pantheon, residing atop a mythical Mount Olympus.",
"title": ""
},
{
"docid": "afaff1e2980be7f737a59c943f32c759",
"text": "- That s a total height of about 29,000 feet, making it the tallest volcano and mountain on earth! Mauna Kea means White Mountain in Hawaiian and this particular volcano is a bit different than its neighbors Mauna Loa and Kilauea. Mauna Kea is currently dormant, its last eruption occurring about 4,500 years ago.",
"title": ""
},
{
"docid": "608601c3e85cf012c54ae693f1f8c07e",
"text": "- It is through EXCO that the business of the Board is driven. EXCO develops strategy, refines it and delivers in a way to ensure implementation and achievement of business plans. EXCO ensures best practice implementation throughout the organisation and supports the board by.dministration includes operations that report directly to the Chief Executive Officer, in consultation with the Accounting Authority (Ezemvelo Board) and the Executive Committee, administration ensures efficient implementation of the visionary framework and the achievement of the strategic plan and goals.",
"title": ""
},
{
"docid": "a75d7f7f14e9150492d886529cd11afc",
"text": "Hera Hera is described to have the title as the 'meanest goddess in Mount Olympus.' She is actually very mean in character, since he is an Audi and a tin can I hope he is a scarecrow of a tin of the witches castle or silver shoes for a man to the she punishes people at will often.",
"title": ""
},
{
"docid": "2875fe6b5bbb8b6c41ba17aa47807dae",
"text": "- • PEAK (noun) The noun PEAK has 7 senses: 1. the most extreme possible amount or value. 2. the period of greatest prosperity or productivity. 3. the highest level or degree attainable; the highest stage of development. 4. the top point of a mountain or hill.",
"title": ""
}
] |
msmarco_passage
|
8030e048658f573ae51c12cd786d82cf
|
what is a legal discussion
|
[
{
"docid": "0d4243d8accca67ba3c4ab91f480b3bd",
"text": "Discussion Law and Legal Definition Discussion Law and Legal Definition. A discussion is defined as consideration of an issue in open and usually informal debate; a conversation; an exchange of views on some topic. Legal Definition list. Discriminatory Tariff.",
"title": ""
}
] |
[
{
"docid": "af52db36f014eb0feb55da7f0ecd653c",
"text": "How to Become a Legal Consultant A legal consultant is someone who provides expert and professional legal advice on a contractual basis to businesses and/or individuals. Legal consultants can provide advice on a number of important matters depending on what their consulting focus is, and common subject matters include corporate law, real estate law, employment law, and medical law.",
"title": ""
},
{
"docid": "a5782e09ab414cd73eee7b291333f504",
"text": "Critical Legal Studies Critical Legal Studies. An intellectual movement whose members argue that law is neither neutral nor value free but is in fact inseparable from politics. Critical legal studies (CLS) is a sometimes revolutionary movement that challenges and seeks to overturn accepted norms and standards in legal theory and practice.",
"title": ""
},
{
"docid": "ad3e75013e99d9e6d28e6ae66577829a",
"text": "- Advisory proceedings. The Court may entertain two types of cases: legal disputes between States submitted to it by them (contentious cases) and requests for advisory opinions on legal questions referred to it by United Nations organs and specialized agencies (advisory proceedings). Contentious cases.",
"title": ""
},
{
"docid": "6c2c657a50e729c2d2116f12eaca82d0",
"text": "What does a legal issue mean? · just now. Report Abuse. Legal issues means something right or wrong. for example if you own a company you need to look at the legal issues like people posing a bad image of your company when there is nothing wrong could be a bad legal issue. Gift · 2 years ago. Thumbs up.",
"title": ""
},
{
"docid": "15e5561c1a88ee8326afb212f9dc4419",
"text": "Legal research legal research: an overview. The purpose of legal research is to find authority that will aid in finding a solution to a legal problem. Primary authorities are the rules of law that are binding upon the courts, government, and individuals.Examples are statutes, regulations, court orders, and court decisions.econdary authorities are commentaries on the law that do not have binding effect but aid in explaining what the law is or should be. The resources available to find legal authority are vast and complicated leading many law schools to require students to take a class in legal research.",
"title": ""
},
{
"docid": "a47a2d253a710771aea1707fd8854da4",
"text": "PANEL DISCUSSION • PANEL DISCUSSION (noun). The noun PANEL DISCUSSION has 1 sense: 1. discussion of a subject of public interest by a group of persons forming a panel usually before an audience. Familiarity information: PANEL DISCUSSION used as a noun is very rare.",
"title": ""
},
{
"docid": "eb58f3f097970ccb329e577138e824f0",
"text": "- The agenda is typically set and posted by the Committee Chair. The minutes are captured and posted by the Committee Secretary. Most Committee monthly teleconference meetings will include a Legal Quick Hit (LQH). This is a 15-20 minute online presentation on a hot legal topic of interest to the committee.",
"title": ""
},
{
"docid": "035cb7f696b7a19d26902b90c1c4ed6c",
"text": "argument Legal Definition of argument. 1 1 : a reason or the reasoning given for or against a matter under discussion — compare evidence, proof. 2 2 : the act or process of arguing, reasoning, or discussing; especially : oral argument.",
"title": ""
},
{
"docid": "d538769bd9a49e872e0bdd48da2b7764",
"text": "Moot court A law school's courtroom. Moot court is an extracurricular activity at many law schools in which participants take part in simulated court proceedings, usually involving drafting memorials or memoranda and participating in oral argument.",
"title": ""
},
{
"docid": "4b54297c82e5605b3a3a7a78f3fb9939",
"text": "Critical Legal Theory critical legal studies: an overview. Critical legal studies (CLS) is a theory that challenges and overturns accepted norms and standards in legal theory and practice. Proponents of this theory believe that logic and structure attributed to the law grow out of the power relationships of the society.",
"title": ""
},
{
"docid": "f35d11b1b8de85ba7b21d6f6bffe03e6",
"text": "Discussion Papers: What They Are and How to Write Them? Academic discussion papers help to prepare students for exams and provide them with the necessary knowledge to complete any in-class assignments that require a current understanding of the subject. In the professional world, discussion essays are often used to bring each member of a working group up to speed.",
"title": ""
},
{
"docid": "4b81b2eb859d8ac561c767e0aad28538",
"text": "Discussions For example: “The ability to articulate and defend a position thoughtfully and respectfully will serve you well in the work world when you are arguing for a particular policy solution or course of action. Discussions for this class will give you the opportunity to practice that skill.” Beyond explaining the relevance of discussion in general, it is a good idea to point out the relevance of particular discussions vis-à-vis contemporary social issues, your students’ future plans, etc.",
"title": ""
},
{
"docid": "9c76333d9aca0f0812641725bfc42de3",
"text": "- (November 2009) A plea colloquy, in United States criminal procedure, is a conversation between a judge and a criminal defendant who has been sworn under oath, which must occur when the defendant enters a guilty plea in court in order for the plea to be valid.",
"title": ""
},
{
"docid": "b96376e965fc62a2ec4a8b726c727761",
"text": "Legal advice Legal advice. Legal advice is the giving of a professional or formal opinion regarding the substance or procedure of the law in relation to a particular factual situation. Legal advice is ordinarily provided in exchange for financial or other tangible compensation.",
"title": ""
},
{
"docid": "90ef79e8311f101e730f443cd2b95bd4",
"text": "Legal technicality The term legal technicality is a casual or colloquial phrase referring to a technical aspect of law.The phrase is not a term of art in the law; it has no exact meaning, nor does it have a legal definition.It implies that strict adherence to the letter of the law has prevented the spirit of the law from being enforced.ome legal technicalities govern legal procedure, enable or restrict access to courts, and/or enable or limit the discretion of a court in handing down judgment. These are aspects of procedural law.",
"title": ""
},
{
"docid": "de5f6c5d29896a789af5163e81dd1f9b",
"text": "Moot Court Moot court helps students learn to analyze legal issues; its larger purpose is to teach students the practical side of practicing law. Typically, law students are given a detailed hypothetical fact scenario that raises one or more legal issues.",
"title": ""
},
{
"docid": "b322ed16b3ad951e4d859ee6bb866eef",
"text": "Legal advice Legal advice is the giving of a professional or formal opinion regarding the substance or procedure of the law in relation to a particular factual situation. The provision of legal advice will often involve analyzing a set of facts and advising a person to take a specific course of action based on the applicable law.",
"title": ""
},
{
"docid": "e42e3a8eb6a717452724415abfb853db",
"text": "Glossary of Legal Terms and Abbreviations From Wikipedia, the free encyclopedia. In the law of the United States, a stipulation is a formal legal acknowledgement and agreement made between opposing parties prior to a pending hearing or trial. For example, both parties might stipulate to certain facts, and therefore not have to argue those facts in court. After the stipulation is entered into, it is presented to the judge. In other legal systems a similar concept is called different names.",
"title": ""
},
{
"docid": "e19695661fbf9eef8c5fc7c02ea97232",
"text": "Definitions &Translations debate (Noun). (Frequently in French form du00E9bat) a type of literary composition, taking the form of a discussion or disputation, commonly found in the vernacular medieval poetry of many European countries, as well as in medieval Latin. debate (Verb). To fight.",
"title": ""
},
{
"docid": "0fe26f8c1a8b60d1b024bb1f593c89f9",
"text": "What is the difference between a discussion and a lecture? Lectures are usually large (100+ person) classes. The professor, or occasionally grad student, stands at the front of the room and lectures about course material. Discussion sections are small 15-25 person groupings where you meet outside of lectures to discuss the material with a TA. Sections are usually mandatory, lectures less so - but policies will vary by department. TA's are either grad students or high achieving juniors/seniors depending on the department.",
"title": ""
},
{
"docid": "4ff89070e95f6c7d76e482b0cd73bfba",
"text": "AP Government: Interest Groups (Ch.10) Litigation is the term used to describe proceedings initiated between two opposing parties to enforce or defend a legal right. Litigation is typically settled by agreement between the parties, but may also be heard and decided by a jury or judge in court.",
"title": ""
},
{
"docid": "f5f7ad23f4587f3edf4449351b6cbfd5",
"text": "Legal and Ethical Issues l personally think that legal and ethical issues are usually to do with something that involves people having to abide to a law, in most cases there will be a consequence for not abiding with the law.",
"title": ""
},
{
"docid": "289a044345ebf14e810797bf3d1e355b",
"text": "What is the importance of legal research? Making the world better, one answer at a time. Legal research plays a very important role in recommending solutions to existing problems of the society or in solving the already solved problems in better way. It also helps to discover or invent new legal ideas and technologies for legal professionals.As we know, that legal research can either make or break a case.aking the world better, one answer at a time. Legal research plays a very important role in recommending solutions to existing problems of the society or in solving the already solved problems in better way. It also helps to discover or invent new legal ideas and technologies for legal professionals.",
"title": ""
},
{
"docid": "c7dcc178aa0343ac0e734d07b57bcb60",
"text": "Law Significant to the practice of law in the common law tradition is the legal research to determine the current state of the law. This usually entails exploring case-law reports, legal periodicals and legislation.",
"title": ""
},
{
"docid": "67452b9d3f116ed60eb0c4e74a075a89",
"text": "- “A book discussion group is a forum where readers can come together and talk about books and the reading experience … There are adult groups, student-led groups, mother-daughter groups, father-son groups, and parent-child groups, to name just a few. “Giving Readers a Voice: Book Discussion Groups,” by Anna Healy.",
"title": ""
}
] |
msmarco_passage
|
4987185e8a5bb020745ff662b4d30e7b
|
where is palmer tx
|
[
{
"docid": "86ba9504ba0c1e75cf79c9de5c7e0376",
"text": "PALMER, TX PALMER, TX. PALMER, TEXAS. Palmer is on Interstate Highway 45 and U.S. Highway 75, twelve miles northeast of Waxahachie in northeastern Ellis County. It was settled after the arrival of the Houston and Texas Central Railway in 1872 and was named for D. S. Palmer, a Houston physician and stockholder of the railroad company.",
"title": ""
}
] |
[
{
"docid": "9a04d5d9a40d25d00cd45b801dd0ce6c",
"text": "- Utopia is a census-designated place (CDP) in Uvalde County, Texas, United States. The population was 227 at the 2010 census.",
"title": ""
},
{
"docid": "ea424a58705e879f2810b51316c6f90a",
"text": "- District Overview. The Lewis-Palmer School District is situated at the north end of El Paso County, north of the United States Air Force Academy. Serving over 6000 students, the district encompasses Palmer Lake, Monument, Woodmoor and the northern part of the Black Forest area.",
"title": ""
},
{
"docid": "ac13a7914e57efd8ba19fc3b4486a8ac",
"text": "Stafford, Texas Stafford, TX. Sponsored Topics. Stafford is a city in the U.S. state of Texas within the Houston–Sugar Land–Baytown metropolitan area. The city is mostly in Fort Bend County with a small portion in Harris County. As of the 2000 U.S. Census, Stafford's population was 15,681.",
"title": ""
},
{
"docid": "b16234ff850f6fd7191e12c8dd7cbefe",
"text": "Bonham, Texas Bonham is located slightly west of the center of Fannin County in northeastern Texas. U.S. Route 82, a two-lane bypass, crosses the northern part of the city, leading east 37 miles (60 km) to Paris and west 27 miles (43 km) to Sherman. Texas State Highway 78 passes through the center of Bonham, leading north 12 miles (19 km) to the Oklahoma border at the Red River and south 10 miles (16 km) to Bailey.",
"title": ""
},
{
"docid": "aeb352fbddb65d076a720159dae229a7",
"text": "Magnolia, Texas Magnolia is a city in southwestern Montgomery County, Texas, United States outside Houston and right next to The Woodlands. The population was 1,393 at the 2010 census. Settled in the late 1840s, the town has gone by several names including Mink's Prairie and Mink.",
"title": ""
},
{
"docid": "72154c746b05bf8827d095a5014de324",
"text": "Paradise The Trinity River, one of Texas's major rivers, is found about 4 miles away from the city. During the 19th century, Paradise was the largest city in Wise County. It had a bank, a cotton gin, and two hotels. During the 20th century, the population has declined due to urbanization in larger cities.",
"title": ""
},
{
"docid": "8ddf4204b2c55f3827a78e8445a6670a",
"text": "PORTER, TX More on the Town of Porter Texas. PORTER, TEXAS. Porter (Porters) is on the Southern Pacific line at the intersection of State Highway 494 and Farm Road 1314 in southeastern Montgomery County. It was founded in the late 1800s and was the county seat from 1896 to 1915. A post office operated there from 1892 through the 1930s.",
"title": ""
},
{
"docid": "2fc7b9ff893b2a5ae50428d3a9501009",
"text": "Wylie, TX Wylie, TX. Sponsored Topics. Not to be confused with the unincorporated area of Wylie, Texas just outside Abilene, Texas. Wylie is a city in Collin, Dallas, and Rockwall Counties in the U.S. state of Texas, and a suburb of Dallas. At the 2000 Census, the population was 15,132; 2004 estimates pegged it at 25,850. Once solely located in Collin County, Wylie now extends into neighboring Dallas and Rockwall counties.",
"title": ""
},
{
"docid": "8cc3b4bb491527177aa7e7ef1f441a25",
"text": "Wylie, Taylor County, Texas Wylie is located approximately five miles southwest of Downtown Abilene along FM 89 (Buffalo Gap Road) in the northeastern portion of Taylor County. Wylie is part of the Abilene, Texas Metropolitan Statistical Area, which includes all of Taylor, Jones, and Callahan counties.",
"title": ""
},
{
"docid": "56a37df89db675cce4d35208bd58e671",
"text": "Cypress, Texas Cypress is an Unincorporated community of Harris County, Texas, United States located completely inside the extraterritorial jurisdiction of the City of Houston. The Cypress area is located along U.S. Highway 290 (Northwest Freeway) approximately twenty-five miles (40 km) northwest of Downtown Houston.",
"title": ""
},
{
"docid": "76152475220a9c7f2aba7bf354d2af41",
"text": "Taylor, TX Taylor, TX. Sponsored Topics. Taylor is a city in Williamson County, Texas, United States. The population was 13,575 at the 2000 census; it was 15,014 in the 2005 census estimate. The T. Don Hutto Residential Center, an immigration control center, opened in Taylor in May 2006.",
"title": ""
},
{
"docid": "75926bd4697d2c606c8f8b5645fa8ba6",
"text": "- Palmer is proud to be in the heart of North Central Texas. We are conveniently located on Interstate 45 just a half hour South of Dallas and approximately three hours North of Houston. We offer the perfect location surrounded by scenic fields and peaceful settings.",
"title": ""
},
{
"docid": "fc18f675881529a545376f4d705fd26d",
"text": "Bowie Bowie /ˈbuːiː/ is a city in Montague County, Texas, United States. The population was 5,218 at the 2010 census.",
"title": ""
},
{
"docid": "cbbb8e1b64453c05f496f63f0c41fd3a",
"text": "MAGNOLIA, TX (MONTGOMERY COUNTY) MAGNOLIA, TX (MONTGOMERY COUNTY) MAGNOLIA, TEXAS (Montgomery County). Magnolia is on the Missouri Pacific line at the junction of Farm roads 1774 and 1488, twenty miles southwest of Conroe in southwestern Montgomery County. It was first settled in the late 1840s and named Mink's Prairie for one of the early settlers; its name had been shortened to Mink by 1850.",
"title": ""
},
{
"docid": "2480930927c35f54a2f44c7a357ad40b",
"text": "- View Coldwell Banker Residential Brokerage Palmer real estate agents or offices and let us help you find the perfect property. We also have area guides that show more information about properties in Palmer, TX.",
"title": ""
},
{
"docid": "d5fb338e93d144a5de8811921dd9cdde",
"text": "Fairfield, Texas Fairfield, Texas. Fairfield is a city in Freestone County, Texas, United States. The population was 2,951 at the 2010 census, down from 3,094 at the 2000 census. It is the county seat of Freestone County and was founded as such in 1851. Contents.",
"title": ""
},
{
"docid": "2d6ac99ee3ca0cb658866754d65a5536",
"text": "- Prosper is an affluent suburban town located in Collin and Denton counties within the state of Texas, United States.The town is located within the Dallas-Fort Worth metropolitan area. As of the 2010 census, the population was 9,423; it had risen to an estimated 14,416 in 2014.rosper is growing rapidly in terms of new home building (single-family houses in the $400,000 up to $4,000,000 range). In addition to a longtime retail filling station, in 2004 Prosper saw its second and third retail establishments arrive: a Sonic restaurant, and an Exxon On the Run station.",
"title": ""
},
{
"docid": "322b53c5b7e0b61e62cefa1feee2b159",
"text": "Palmer, AK Palmer, Alaska. Palmer is the borough seat of the Matanuska-Susitna Borough in the U.S. state of Alaska. It is part of the Anchorage Metropolitan Statistical Area. As of the 2010 census, the population of the city is 5,937.",
"title": ""
},
{
"docid": "79c7b695b9a70e2a11808448c026827f",
"text": "Paradise, TX Profile: Facts, Map & Data The City of Paradise had a population of 476 as of July 1, 2015. Paradise ranks in the lower quartile for Population Density and Diversity Index when compared to the other cities, towns and Census Designated Places (CDPs) in Texas. See peer rankings below. The primary coordinate point for Paradise is located at latitude 33.1503 and longitude -97.6887 in Wise County.",
"title": ""
},
{
"docid": "04dcfa8b026fa4606fa609b5cda997b8",
"text": "- Paradise is a city in Wise County, Texas, United States. The population was 459 at the 2000 census. The majority of the population that claims Paradise as its home lives outside of the city limits. Surrounding areas are flat with rolling hills.",
"title": ""
},
{
"docid": "245e7efb3ff96e3465def4fa5c1a4b19",
"text": "WELLINGTON, TX WELLINGTON, TX. WELLINGTON, TEXAS. Wellington, the county seat of Collingsworth County, is on U.S. Highway 83 in the south central part of the county. When Collingsworth County was organized in September 1890, Pearl City, two miles to the north of Wellington, was expected to be chosen county seat.",
"title": ""
},
{
"docid": "83668cba40d192c4c509d004940d167d",
"text": "Prosper, Texas Prosper is an affluent suburban town located in Collin and Denton counties within the state of Texas, United States. The town is located within the Dallas-Fort Worth metropolitan area. As of the 2010 census, the population was 9,423; it had risen to an estimated 14,416 in 2014.",
"title": ""
},
{
"docid": "d7ddb63ae20807d2c086a96ab85c1a74",
"text": "Cass County, Texas Cass County, Texas. Cass County is a county located in the U.S. state of Texas. As of the 2010 census, its population was 30,464. The county seat is Linden. The county was named for Lewis Cass, a senator from Michigan who favored the annexation of Texas. Contents.",
"title": ""
},
{
"docid": "a140dc5f46ef864376d787eb9e490569",
"text": "Cypress, TX Cypress, TX. Cypress is located in southeast Texas. Cypress is part of Harris County. On average, the public school district that covers Cypress is better than the state average in quality. The Cypress area codes are 281, 832.",
"title": ""
},
{
"docid": "28af21a7bfd5d56a0f3a6226b3f61f0c",
"text": "- 1 The Cypress Fairbanks region is located northwest of Houston. The two main crossroads, FM 1960 at U.S. Highway 290 and at State Highway 249, are 21 miles from Houston´s central business district. This largely unincorporated Harris County region gains a strong sense of community from association with territory found within Cypress Fairbanks Independent School District´s boundaries.",
"title": ""
}
] |
msmarco_passage
|
b4dab855ae1f5624f6157299be5ae6a2
|
process technology top paying salary
|
[
{
"docid": "c5e129633985608c9043089a797e5cf6",
"text": "- In four U.S. regions in 2010, process technicians had average annual salaries higher than $60,000. The highest average pay was in the Allentown-Bethlehem-Easton metro area of Pennsylvania and New Jersey, at $67,130 per year.",
"title": ""
}
] |
[
{
"docid": "91bb49a15adbba3b0c2aa5a04e278965",
"text": "- Process Engineer Salary. A Process Engineer earns an average salary of $70,876 per year. A skill in Simulation is associated with high pay for this job. Most people move on to other jobs if they have more than 20 years' experience in this field. $52,970 - $97,247.",
"title": ""
},
{
"docid": "857d4ad0e19765c7a09d3cba07fa0fdf",
"text": "- Process Engineer Salary. (United Kingdom). The average salary for a Process Engineer is £33,796 per year. For the first five to ten years in this position, pay increases sharply, but any additional experience does not have a big effect on pay.Most people move on to other jobs if they have more than 20 years' experience in this field. £24,577 - £49,737.United Kingdom). The average salary for a Process Engineer is £33,796 per year. For the first five to ten years in this position, pay increases sharply, but any additional experience does not have a big effect on pay.",
"title": ""
},
{
"docid": "7d036bb5bd8132c50228c8559d1e6ed4",
"text": "- The annual salary for someone with the job title Business Process Consultant may vary depending on a number of factors including industry, company size, location, years of experience and level of education.or example the median expected annual pay for a typical Business Process Consultant in the United States is $99,933, so 50% of the people who perform the job of Business Process Consultant in the United States are expected to make less than $99,933. Source: HR Reported data as of October 2015. 1 Salary. 2 Salary + Bonus.",
"title": ""
},
{
"docid": "9c18e97ac7f34bde579cdc3922c8ae01",
"text": "- The average Cognizant Technology Solutions salary ranges from approximately ₹188,000 per year for Senior Process Manager to ₹1,765,000 per year for Project Manager.he average Cognizant Technology Solutions monthly salary ranges from approximately ₹12,000 per month for Programmer to ₹45,000 per month for Associate Project Manager.",
"title": ""
},
{
"docid": "46867fc7eaa80c7c6042b920faf23b07",
"text": "- Sterile Processing Technician Salary. (United States). The average Sterile Processing Technician in the United States can expect to rake in roughly $13.86 per hour. Pay ranges from $10.09 per hour on the low end to $19.16 on the high end.",
"title": ""
},
{
"docid": "b0520fb54f0f7464e845e4a97bd98449",
"text": "Process Technician Salaries Average and Median Earnings. The average pay for a process technician in 2011 was $16.45 an hour, representing an average salary of $34,220 a year. The median annual income of a process technician was $32,530 per year, and the median-earning 50 percent of process technicians made between $27,020 and $39,260 per year. The highest-paid 10 percent of process technicians reported salaries of $47,050 or more per year.",
"title": ""
},
{
"docid": "bca21eec361fd9f3cda33ba4999e1ef2",
"text": "- For example the median expected annual pay for a typical Technical Recruiter in the United States is $76,695 so 50% of the people who perform the job of Technical Recruiter in the United States are expected to make less than $76,695. Source: HR Reported data as of October 2015.1 Salary.2 Bonus.ay require a bachelor's degree in area of specialty and 2-4 years of experience in the field or in a related area. Familiar with a variety of the field's concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks.",
"title": ""
},
{
"docid": "7f7fd356adc9882b0298f5ed5e56e0b5",
"text": "- Process Technology Engineer Salary. Process Technology Engineer average salary is $80,437, median salary is $80,000 with a salary range from $58,000 to $102,890. Process Technology Engineer salaries are collected from government agencies and companies.",
"title": ""
},
{
"docid": "5e994d2ae51ddc72548bd2601d3b7b27",
"text": "Salaries for Engineering Technologists Electrical and electronics engineering technologists comprised the largest numbers of engineering technology jobs, with 150,020 total positions. Compare this to the 9,290 jobs for aerospace engineering techs. EE techs averaged $57,240 annually, or $27.52 per hour. Their biggest employers were engineering services at a mean salary of $57,230 per year, or $27.52 per hour.",
"title": ""
},
{
"docid": "4f5c9d465090420185efeb0e9b8f9d32",
"text": "- A Process Engineer earns an average salary of $70,663 per year. A skill in Simulation is associated with high pay for this job. Most people move on to other jobs if they have more than 20 years' experience in this field. $52,506 - $97,105.",
"title": ""
},
{
"docid": "e032719ad7e4f780387dcc9bb051969c",
"text": "- For example the median expected annual pay for a typical Business Process Consultant in the United States is $99,933, so 50% of the people who perform the job of Business Process Consultant in the United States are expected to make less than $99,933.Source: HR Reported data as of October 2015.1 Salary.2 Salary + Bonus.or example the median expected annual pay for a typical Business Process Consultant in the United States is $99,933, so 50% of the people who perform the job of Business Process Consultant in the United States are expected to make less than $99,933. Source: HR Reported data as of October 2015. 1 Salary. 2 Salary + Bonus.",
"title": ""
},
{
"docid": "13ff1271d847b7581ac76189d39a8126",
"text": "Silicon Valley techies still earn the most, but employers in Pittsburgh, San Diego, and St. Louis are dangling more dollars Techies there earn, on average, $94,742 per year, a 6.9 percent increase since the end of 2011. Seattle's IT community saw its average salary jump by 4.4 percent, pushing it up to $94,335, the fifth highest in the nation.",
"title": ""
},
{
"docid": "e8dd7b9cb25572f8ca3179c5b57b7add",
"text": "Survey: Tech workers seek larger salaries in 2014 This dissatisfaction over pay comes even though the survey, released Wednesday, showed that the average tech salary rose 2.6 percent in 2013 to US$87,811 and that more companies gave merit raises. The main reason for last year’s bump in pay, according to 45 percent of respondents, was a merit raise.In comparison, the average tech salary was $85,619 in 2012 and 40 percent of those polled said they received a merit raise.n terms of job titles with the highest salaries, tech management positions like CIO, CTO and vice president paid the most money. People in those roles made an average of $132,974 in 2013, an 8 percent increase over 2012. Systems architects ranked second at $125,467 and data architects came in third ($118,756).",
"title": ""
},
{
"docid": "cf65a9fe25a78c8aad392127ef5beee5",
"text": "- According to the BLS salary reports, the median salary for a sterile processing technician is around $40,950 per annum. The annual salary for the top 10 percent sterile processing technicians is more than $59,150, while the lowest 10% of them earned less than $28,860 per year.n average starting hourly wage for a sterile processing technician in the United States ranges from between $9.88 – $18.26 per hour which gradually increases by $1.98 – $27.96 overtime.",
"title": ""
},
{
"docid": "23c9414e67b0ad6936f58e3378e250fa",
"text": "IT Technician Salary By State In our state by state salaries of IT tech support people listed below you can see that the highest paying states can pay as much as $48,000 a year in annual pay. Listed below is information that is specific to IT Technician job salaries that you can expect to receive in that state area.ur state by state breakdown allows you to see which state is best to get a job as an IT Technician. The salary information provided below is off of real-world job listings for IT Technicians and the pay offered for those jobs.",
"title": ""
},
{
"docid": "1db9972ac913f7ae5702fc496fe1f853",
"text": "Survey: Tech workers seek larger salaries in 2014 Positions that paid the least include PC technician ($38,932), help desk worker ($42,512) and desktop support specialist ($49,033). Tech jobs in Silicon Valley paid the highest salaries in any U.S. metropolitan area, with workers there making an average annual salary of $108,603 in 2013, a 7.2 increase from 2012.n terms of job titles with the highest salaries, tech management positions like CIO, CTO and vice president paid the most money. People in those roles made an average of $132,974 in 2013, an 8 percent increase over 2012. Systems architects ranked second at $125,467 and data architects came in third ($118,756).",
"title": ""
},
{
"docid": "3f96490aa7173db158e81086011a3c47",
"text": "- Sterile Processing Technician Salary. (United States). The average Sterile Processing Technician in the United States can expect to rake in roughly $13.86 per hour. Pay ranges from $10.09 per hour on the low end to $19.16 on the high end.Location is the biggest factor affecting pay for this group, followed by career length and the particular employer.or Sterile Processing Technicians, more experience in the field does not usually mean bigger paychecks. Those in the early stages of their career can expect to make around $28K; however, individuals with five to 10 years of experience bring in $31K on average — a distinctly larger sum.",
"title": ""
},
{
"docid": "20056ffd6069aceec3960b402280c3e5",
"text": "- Salary. The average starting salary for a process technician is approximately $30,000 per year, while more experienced technicians can expect to earn an average annual salary of approximately $45,000.Some process technicians can earn salaries that are significantly higher, based on increased education and experience.he average starting salary for a process technician is approximately $30,000 per year, while more experienced technicians can expect to earn an average annual salary of approximately $45,000.",
"title": ""
},
{
"docid": "76c1f32348120f3bf2129ddfdd090f34",
"text": "- The average salary for medical technology jobs is $54,000. Average medical technology salaries can vary greatly due to company, location, industry, experience and benefits.",
"title": ""
},
{
"docid": "93007dc36e1a3a6acda8852e05c184ab",
"text": "- The average starting salary for a process technician is approximately $30,000 per year, while more experienced technicians can expect to earn an average annual salary of approximately $45,000.",
"title": ""
},
{
"docid": "1d2eabfd505bf102bf24544ffc7319d4",
"text": "The ExxonMobil Process Technology Program The process technician of the future will have a specialized degree in process technology that will include instruction in engineering principles, physics, chemistry, process equipment and systems and operations.Process technicians will assume more of the tasks traditionally assigned to engineers and chemists.alary ranges for this occupation in the state of Texas vary from $53,539 to $74,339, with an average annual salary of $63,939 as of October 2015. The term “gold collar” is being applied to the field of process technology, because senior level technicians can command incomes in the six-digit area.",
"title": ""
},
{
"docid": "509717a858694f75bce67f8a7b47ac68",
"text": "- The average pay for a Senior Process Engineer is $94,917 per year. A skill in Simulation is associated with high pay for this job.Pay for this job does not change much by experience, with the most experienced earning only a bit more than the least. $73,091 - $124,205.United States). The average pay for a Senior Process Engineer is $94,917 per year. A skill in Simulation is associated with high pay for this job. Pay for this job does not change much by experience, with the most experienced earning only a bit more than the least.",
"title": ""
},
{
"docid": "d22cbc3f37dedf8dfa83e2bf24a4376c",
"text": "- A Process Engineer earns an average salary of C$70,234 per year. Most people with this job move on to other positions after 20 years in this field. Total Pay combines base annual salary or hourly wage, bonuses, profit sharing, tips, commissions, overtime pay and other forms of cash earnings, as applicable for this job.",
"title": ""
},
{
"docid": "205d02f119d149f291acaa2cb6b691a2",
"text": "Process Improvement Specialist: Job Description & Career Info Career and Economic Outlook. According to PayScale.com, the median annual salary for a performance improvement specialist was $65,287 as of January 2016. At that same time, the median annual salary for the upper-level position of process improvement manager was $79,550.",
"title": ""
},
{
"docid": "8041ef35e44a4d7c13f1d78523aefcf5",
"text": "- Process Technologist salary is full-time annual starting salary. Intern, contractor and hourly pay scale vary from regular exempt employee. Compensation depends on work experience, job location, bonus, benefits and other factors.rocess Technologist salary is full-time annual starting salary. Intern, contractor and hourly pay scale vary from regular exempt employee. Compensation depends on work experience, job location, bonus, benefits and other factors.",
"title": ""
}
] |
msmarco_passage
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Subsets and Splits
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