question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
10492 | Is there legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA? | [
"57526",
"585889",
"482121"
] | [
"\"Yes, this is restricted by law. In plain language, you can find it on the IRS website (under the heading \"\"When Can a Retirement Plan Distribute Benefits?\"\"): 401(k), profit-sharing, and stock bonus plans Employee elective deferrals (and earnings, except in a hardship distribution) -- the plan may permit a ... |
10493 | Do ETF dividends make up for fees? | [
"330729",
"244813"
] | [
"Any ETF has expenses, including fees, and those are taken out of the assets of the fund as spelled out in the prospectus. Typically a fund has dividend income from its holdings, and it deducts the expenses from the that income, and only the net dividend is passed through to the ETF holder. In the case of QQQ, i... |
10495 | IRR vs. Interest Rates | [
"285238",
"447850",
"324297",
"203803"
] | [
"Yes, if your IRR is 5% per annum after three years then the total return (I prefer total rather than your use of actual) over those three years is 15.76%. Note that if you have other cashflows in and out, it gets a bit more complicated (e.g. using the XIRR function in Excel), but the idea is to find an effective a... |
10499 | How do I calculate the actual dividend amount for a monthly dividend payout mutual fund? | [
"162916",
"557201"
] | [
"In the absence of a country designation where the mutual fund is registered, the question cannot be fully answered. For US mutual funds, the N.A.V per share is calculated each day after the close of the stock exchanges and all purchase and redemption requests received that day are transacted at this share price. ... |
105 | How to safely earn interest on business profits (UK) | [
"41356",
"107564"
] | [
"Deposit it in a business savings account. The following below show you some options you can choose from. Next you can invest it in the market i.e. shares, bonds etc. If you have a more risky side, can go for peer to peer lending. If you are feeling really lucky and want to invest in the long term, then buy a prope... |
10500 | How do government bond yields work? | [
"466315",
"189761"
] | [
"Why does the rising price of a bond pushes it's yield down? The bond price and its yield are linked; if one goes up, the other must go down. This is because the cash flows from the bond are fixed, predetermined. The market price of the bond fluctuates. Now what if people are suddenly willing to pay more for the sa... |
10509 | Project future trend of a stock with high positive autocorrelation | [
"509795"
] | [
"Auto-correlation is a statistical concept for measuring repeating patterns in series. In stocks it is of particular interest as if future prices can be reliably guessed from past prices a lot of money could be made. Note, even in cases where auto-correlations are high and persistent (near 1) there is still some... |
10511 | Is it preferable to move emergency savings/retirement into offset mortgage? | [
"164044",
"15631",
"418235"
] | [
"\"Assuming no constraints on how much you can move (or how frequently) into and out of your offset mortgage account, the question becomes one of what rate of return you expect from your long-term savings/emergency cash fund. The rate you are getting from the offset mortgage account is known; since it reduces the p... |
10513 | When I sell an OTC stock, do I have to check the volume of my sale in order to avoid an NSCC illiquid charge? | [
"421688"
] | [
"It's not enough just to check if your order doesn't exceed 10% of the 20 day average volume. I'll quote from my last answer about NSCC illiquid charges: You may still be assessed a fee for trading OTC stocks even if your account doesn't meet the criteria because these restrictions are applied at the level of the c... |
10518 | Is a currency “hedged” ETF actually a more speculative instrument than an unhedged version? | [
"111451",
"519941",
"259440",
"145816"
] | [
"Currency hedge means that you are somewhat protected from movements in currency as your investment is in gold not currency. So this then becomes less speculative and concentrates more on your intended investment. EDIT The purpose of the GBSE ETF is aimed for investors living in Europe wanting to invest in USD Gol... |
10521 | Should I open a Roth IRA or invest in the S&P 500? | [
"335357",
"214174",
"511760"
] | [
"Your question indicates confusion regarding what an Individual Retirement Account (whether Roth or Traditional) is vs. the S&P 500, which is nothing but a list of stocks. IOW, it's perfectly reasonable to open a Roth IRA, put your $3000 in it, and then use that money to buy a mutual fund or ETF which tracks the S&... |
10523 | Looking to buy a house in 1-2 years. Does starting a Roth IRA now make sense? | [
"387338",
"119700",
"329757",
"590523"
] | [
"With a Roth IRA, you can withdraw the contributions at any time without penalty as long as you don't withdraw the earnings/interest. There are some circumstances where you can withdraw the earnings such as disability (and maybe first home). Also, the Roth IRA doesn't need to go through your employer and I wouldn't... |
10525 | What's the point of a benchmark? | [
"556163",
"48952",
"274392",
"67472"
] | [
"Markets tend to go up over time, so most things you could buy would make money. A benchmark is meant to represent the market as a whole (or a subset that is relevant to what you are trading), so you can tell if your specific choices helped or hurt your return. As an example, say you pick two financial stocks, Citi... |
10527 | It is worth using a discount stock broker? I heard they might not get the best price on a trade? | [
"256881",
"526235"
] | [
"They're not negotiating trade rates for you, you set the trade rates in your order. What they might have is a slightly slower system, delivering your orders a second later than the competition would. If that's critical to you then you should look at that, otherwise look at their fees, customer support and research... |
1053 | Selling an app, sharing income, how does it work tax-wise? | [
"243949"
] | [
"There are a few different ways to organize this, but mostly I think you need to talk to a lawyer. The 50/50 split thing should be in writing along with a bunch of other issues. You could have one of you doing a sole proprietorship where the other person is a contractor that receives half of all revenues/profits. ... |
1054 | Calculating NPV for future cash inflows | [
"115197"
] | [
"When calculating the NPV, is there anything I need to do in between the project start date outlay (Nov 2017), and the first cash inflow (July 2019). Do I need to discount the cashflow to the present, and if so, how? Yes, you need to discount every cash flow to the present time, not just the first one. When disco... |
10540 | Transfer of stock of non-public company after vesting | [
"277645"
] | [
"If the company is non-public, your hands are tied. Most startups have a Stock Option Plan with specific rules on the shares. In almost all cases, they have a Transferability clause preventing transfers of options and shares unless approved by the company (who would almost always say no). Additionally, they usually... |
10541 | How does Portfolio Turnover affect my investment? | [
"179986",
"124395"
] | [
"may result in more taxes when Fund shares are held in a taxable account. When the fund manager decides to sell shares of a stock, and those shares have grown in value, that growth is a capital gain. If that fund is part of a taxable account then the investors in the fund will have to declare that income/gain on ... |
10548 | New to investing — I have $20,000 cash saved, what should I do with it? | [
"111512",
"583283",
"16278",
"229623",
"412079",
"492423",
"45029",
"326851",
"227549"
] | [
"You're not clueless at all. You don't mention that you have any debt, but if you have consumer debt, you might want to consider accelerating your payments on those debts unless you're already doing so. You and your wife have a baby on the way. They're an absolute joy (we have a 7-year-old), but they're also a fin... |
10552 | What is meant by “buy-side firm” and “sell-side firm”? | [
"579244"
] | [
"Traditionally, dealers and broker-dealers were in contact with the actual producers of a product or issuers of a security, selling it at the exchange on their behalf. Consumers would traditionally be on the buy side, of course. These days, anyone can enter the market on either side. Even if you don't hold the se... |
10553 | How to report “foreign tax paid” from 1099-DIV? | [
"475410"
] | [
"You can always take deduction for foreign tax paid on Schedule A, or calculate foreign tax credit using form 1116. Credit is usually more beneficial, but in some cases you will be better of with a deduction. However, in very specific cases, you can claim the credit directly on your 1040 without using the form 1116... |
10554 | Who owns historical valuations about equity such as stocks and index funds? | [
"289466"
] | [
"\"I expect that data may be copyright. Data that's published (e.g. on a newsfeed or web site) is subject to terms of use. Standard & Poor's web site says, about the Shiller indexes, Who do I contact at S&P to license my use of these indices? Questions regarding licensing the S&P/Case-Shiller Home Price Ind... |
10555 | How to estimate a reasonable amount for a signing bonus? | [
"548329",
"256467"
] | [
"\"So you've already considered relocation. Here are a few additional things to consider with respect to negotiating a signing bonus (if any): Would you be leaving a position where you are eligible for an upcoming bonus, profit-share, or other special incentive payout, such as a stock option or RSU vesting date? A... |
10556 | Are SPDR funds good for beginners? | [
"406711"
] | [
"No, SPDR ETFs are not a good fit for a novice investor with a low level of financial literacy. In fact, there is no investment that is safe for an absolute beginner, not even a savings account. (An absolute beginner could easily overdraw his savings account, leading to fees and collections.) I would say that an ... |
10557 | How to make use of EUR/USD fluctuations in my specific case? | [
"341235",
"370756",
"8261"
] | [
"This is called currency speculation, and it's one of the more risky forms of investing. Unless you have a crystal ball that tells you the Euro will move up (or down) relative to the Dollar, it's purely speculation, even if it seems like it's on an upswing. You have to remember that the people who are speculating... |
10560 | Why gamma scalping is not advised for retail traders with reg T margin | [
"84870"
] | [
"My interpretation of that sentence is that you can't do the buying/selling of shares outright (sans margin) because of the massive quantity of shares he's talking about. So you have to use margin to buy the stocks. However, because in order to make significant money with this sort of strategy you probably need to... |
10565 | Why do many British companies offer a scrip dividend option in lieu of cash? | [
"4933"
] | [
"There are quite a few reasons that a company may choose to pay dividends rather than hold cash [increasing the share value]. Of couse there are equally other set of reasons why a company may not want to give dividends and hold on to cash. Related question here Please explain the relationship between dividend amo... |
10573 | Is it a good idea to rebalance without withdrawing money? | [
"516607",
"422051",
"253268"
] | [
"\"Rebalancing has been studied empirically quite a bit, but not particularly carefully and actually turns out to be very hard to study well. The main problem is that you don't know until afterward if your target weights were optimal so a bad rebalancing program might give better performance if it strayed closer t... |
10574 | Are quarterly earnings released first via a press release on the investor website, via conference call, or does it vary by company? | [
"147981",
"440091",
"263912"
] | [
"the financial information is generally filed via SEDAR (Canada) or SEC (US) before the conference call with the investment community. This can take before either before the market opens or after the market closes. The information is generally distribute to the various newswire service and company website at the ... |
10579 | Does the “Free Ride” rule always apply to your entire collection of shares in a particular stock? | [
"179520",
"382568"
] | [
"Your question is unanswerable as you haven't provided enough information. I.e. If those shares cost $1000 and you have $50000 ( or any number above $1000) of cash available in the account then you can't possibly free ride. I think your understanding of the free ride rule is incorrect. Basically what this rule is s... |
10580 | Why does BlackRock's XIN page show XIN as having only 1 holding? | [
"128676",
"124900"
] | [
"EFA must be bought and sold in US dollars. XIN allows people to buy and sell EFA in Canadian dollars without exposing their investment to unpredictable swings in the USD/CAD ratio. This is what's known as a currency-hedged instrument. Now, why the chart sums up to over 100% is anyone's guess. Presumably it's the... |
10582 | Invest all at once after maxing out Roth IRA - or each time I contribute? | [
"582697",
"24846"
] | [
"This depends on the terms and conditions of your IRA account, and those of the investments you have chosen. In general, you are better off investing as quickly as is feasible given those terms. Money in your cash account doesn't earn much of a return, so the quicker you get money into something earning a return, ... |
10586 | Married Couple - Open investment account Separate or Joined? | [
"502267"
] | [
"\"I don't believe it makes a difference at the federal level -- if you file taxes jointly, gains, losses, and dividends appear on the joint tax account. If you file separately, I assume the tax implications only appear on the owner's tax return. Then the benefits might outweigh the costs, but only if you correct... |
10588 | Changed from job that had a 401K, and the new one doesn't. How do I answer when filing? | [
"203232"
] | [
"If you had a retirement plan at any time in 2013 you are considered covered by an plan. Are You Covered by an Employer's Retirement Plan? You’re covered by an employer retirement plan for a tax year if your employer (or your spouse’s employer) has a: Defined contribution plan (profit-sharing, 401(k), stock bonus... |
10589 | When and how should I pay taxes on ForEx trades? | [
"151946",
"362281",
"445549"
] | [
"\"Legally speaking, when you convert that bit-coin onto something else, the Israeli Tax Authority will look into the value of that something else, compare it to the original value of the previous something else you used to buy bit-coins (USD, in your example), and charge you capital gain taxes for the difference. ... |
10591 | Consolidating company pensions | [
"303525",
"26407"
] | [
"Have you shopped around? I would agree that the fees seem high. The first question I would ask if if the .75% management fee is per year or per month? If it is per month, you will almost certainly lose money each year. A quick search shows that Fidelity will allow one to transfer their pensions into a self d... |
10592 | US Stock Market - volume based real-time alert | [
"445635",
"494939",
"235015"
] | [
"This would be a nice Raspberry Pi project for Mathematica, which comes bundled free on the Raspbian OS. You can program it up and leave it running. It's not expensive and doesn't use much power. A program to monitor stock prices or volume could be written as simply as :- This checks the volume of trades of Oct 2... |
10593 | How and where can I deposit money to generate future payments / income? | [
"110674",
"137901"
] | [
"Reversing your math, I am assuming you have $312K to work with. In that case, I would simply shop around your local banks and/or credit unions and have them compete for your money and you might be quite surprised how much they are willing to pay. A couple of months ago, you would be able to get about 4.25% from I... |
10595 | Why buying an inverse ETF does not give same results as shorting the ETF | [
"356819",
"39436"
] | [
"Suppose that the ETF is currently at a price of $100. Suppose that the next day it moves up 10% (to a price of $110) and the following day it moves down 5% (to a price of $104.5). Over these two days the ETF has had a net gain of 4.5% from its original price. The inverse ETF reverses the daily gains/losses of th... |
10598 | How to continuously plot futures data | [
"391515"
] | [
"\"Note that the series you are showing is the historical spot index (what you would pay to be long the index today), not the history of the futures quotes. It's like looking at the current price of a stock or commodity (like oil) versus the futures price. The prompt futures quote will be different that the spot q... |
10599 | Should I negotiate a lower salary to be placed in a lower tax bracket? | [
"272851",
"502754",
"60290",
"361510"
] | [
"No, absolutely not. Income tax rates are marginal. The tax bracket's higher tax rate only applies to extra dollars over the threshold, not to dollars below it. The normal income tax does not have any cliffs where one extra dollar of income will cost more than one dollar in extra taxes. Moreover, you are ignorin... |
10600 | How can I diversify $7k across ETFs and stocks? | [
"428141",
"437875",
"456474",
"469141",
"189754"
] | [
"You don't really have a lot of money, and that isn't a criticism as much as that you are limited to diversification. For example, I would estimate you can only have one or two stocks for a buy-write scheme. Secondly you may be only to buy one fund with a high minimum investment, and a second fund with a smaller ... |
10602 | Does the Black-Scholes Model apply to American Style options? | [
"100021",
"529958",
"26095",
"460946",
"258975"
] | [
"\"The difference between an American and European option is that the American option can be exercised at any time, whereas the European option can be liquidated only on the settlement date. The American option is \"\"continuous time\"\" instrument, while the European option is a \"\"point in time\"\" instrument. ... |
10604 | What are some good ways to control costs for groceries? | [
"218772",
"393963",
"310826",
"316190",
"12332",
"428902",
"524678",
"468742",
"545795",
"123103",
"75524",
"592169",
"175055"
] | [
"For a while I tried shopping multiple grocery stores, checking fliers each week from three different stores and then making the trip to all three stores to save ten cents on each item. After a couple months, I decided it just wasn't worth it. So, I picked my favorite store. I shop once a week, after reviewing th... |
10609 | How do insurance funds work? | [
"257187",
"213168"
] | [
"\"Sometimes 403b's contain annuities or other insurance related instruments. I know that in many New York schools the local teacher unions administer the 403b plan, and sometimes choose proprietary investments like variable annuities or other insurance products. In New York the Attorney General sued and settled w... |
10611 | What is a W-8 form, and how should I fill it in? | [
"295407"
] | [
"\"The IRS W-8BEN form (PDF link), titled \"\"Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding\"\", certifies that you are not an American for tax purposes, so they won't withhold tax on your U.S. income. You're also to use W-8BEN to identify your country of residence and correspo... |
10613 | “Infinite Banking” or “Be Your Own Bank” via Whole Life Insurance…where to start? | [
"69680",
"429978",
"223382",
"368953"
] | [
"Can't tell you where to go for a good policy, but I can tell you that most brokers make a hefty commission out of your payments for at least a year before you even start funding the tax sheltered investment account that you're trying to buy under the umbrella of life insurance. You'll have to do a lot of homework ... |
10618 | Is it smart to only invest in mid- and small-cap stock equity funds in my 401(k)? | [
"310218",
"570117",
"512458",
"249097"
] | [
"\"If the stock market dropped 30%-40% next month, providing you with a rare opportunity to buy stocks at a deep discount, wouldn't you want to have some of your assets in investments other than stocks? If you don't otherwise have piles of new cash to throw into the market when it significantly tanks, then having s... |
10621 | Does high frequency trading (HFT) punish long-term investment? | [
"395506",
"279169",
"41472"
] | [
"No, at least not noticeably so. The majority of what HFT does is to take advantage of the fact that there is a spread between buy and sell orders on the exchange, and to instantly fill both orders, gaining relatively risk-free profit from some inherent inefficiencies in how the market prices stocks. The end result... |
10622 | Why Gamma is highest for an option that is at the money | [
"196001"
] | [
"Yes, you've got it right. The change in price is less meaningful as the instrument is further from the price of the underlying. As the delta moves less, the gamma is much less. Gamma is to delta as acceleration is to speed. Speed is movement relative to X, and acceleration is rate of change in speed. Delta is ... |
10623 | Is it better to wait for a market downturn to do a Roth conversion? | [
"16846"
] | [
"On average, the market will be down 1 year out of 4. 26 of the last 100 years on the S&P were negative. The Roth conversion offers a unique opportunity to convert early in the year, and decide at tax time next year whether you are happy with the result. Of course, if your fund or stock is up, you are likely better... |
10624 | What is an effective way to convert large sums of US based investments to foreign currencies? | [
"369266"
] | [
"A stock, bond or ETF is basically a commodity. Where you bought it does not really matter, and it has a value in USD only inasmuch as there is a current market price quoted at an American exchange. But nothing prevents you from turning around and selling it on a European exchange where it is also listed for an equ... |
10626 | Why not just invest in the market? | [
"464277",
"437126",
"52274",
"223870",
"47985"
] | [
"\"Let me start by giving you a snippet of a report that will floor you. Beat the market? Investors lag the market by so much that many call the industry a scam. This is the 2015 year end data from a report titled Quantitive Analysis of Investor Behavior by a firm, Dalbar. It boggles the mind that the disparity c... |
10629 | Understanding SEC Filings | [
"349181",
"64881"
] | [
"The most important filings are: Form 10-K, which is the annual report required by the U.S. Securities and Exchange Commission (SEC) and Form 10-Q, for the interim quarters.",
"There are a whole host of types of filings. Some of them are only relevant to companies that are publicly traded, and other types are gen... |
10631 | Should you diversify your bond investments across many foreign countries? | [
"478509",
"83860"
] | [
"Adding international bonds to an individual investor's portfolio is a controversial subject. On top of the standard risks of bonds you are adding country specific risk, currency risk and diversifying your individual company risk. In theory many of these risks should be rewarded but the data are noisy at best and... |
10634 | How can this stock have an intra-day range of more than 90% on 24Aug2015? | [
"383162",
"417407"
] | [
"\"EDIT: It was System Disruption or Malfunctions August 24, 2015 2:12 PM EDT Pursuant to Rule 11890(b) NASDAQ, on its own motion, in conjunction with BATS, and FINRA has determined to cancel all trades in security Blackrock Capital Investment. (Nasdaq: BKCC) at or below $5.86 that were executed in NASDAQ b... |
10636 | Trying to figure out my student loans | [
"541856",
"300214",
"560928"
] | [
"Is there anything here I should be deathly concerned about? I don't see anything you should be deathly concerned about unless your career outlook is very poor and you are making minimum wage. If that is the case you may struggle for the next 10 years. Are these rates considered super high or manageable? The rates ... |
1064 | Foreign currency conversion for international visitors to ecommerce web site? | [
"226102",
"144181",
"114886"
] | [
"Central banks don't generally post exchange rates with other currencies, as they are not determined by central banks but by the currency markets. You need a source for live exchange rate data (for example www.xe.com), and you need to calculate the prices in other currencies dynamically as they are displayed -- the... |
10643 | U.S. Mutual Fund Supermarkets: Where are some good places to buy mutual funds? | [
"427842",
"274987"
] | [
"There are hundreds of entities which offer mutual funds - too many to adequately address here. If you need to pick one, just go with Vanguard for the low low low fees. Yes, this is important. A typical expense ratio of 1% may not sound like much until you realize that the annualized real rate of return on the stoc... |
10646 | What steps should be taken, if any, when you find out your home's market value is underwater, i.e. worth less than the mortgage owed? | [
"458960",
"377364",
"334191",
"92861"
] | [
"\"Do you still enjoy living in your home? Can you afford the mortgage payments? Is there a reason for you to move, such as a relocation for work, or your third kid is on the way and your current house is already crowded with two? Those questions are more important than \"\"Is my home worth more than what I owe on ... |
10648 | Can I request to change 401k offerings from my employer, e.g. to invest in ETFs? | [
"79375",
"52589"
] | [
"The presence of the 401K option means that your ability to contribute to an IRA will be limited, it doesn't matter if you contribute to the 401K or not. Unless your company allows you to roll over 401K money into an IRA while you are still an employee, your money in the 401K will remain there. Many 401K programs o... |
10649 | Virtual currency investment | [
"201275"
] | [
"I don't know much about paypal or bitcoin, but I can provide a little information on BTC(Paypal I thought was just a service for moving real currency). BTC has an exchange, in which the price of a bitcoin goes up and down. You can invest in to it much like you would invest in the stock market. You can also invest... |
10650 | Tax exemptions for US stocks held in a Candian account | [
"437907"
] | [
"The dividend tax credit is not applicable to foreign dividend income, so you would be taxed fully on every dollar of that income. When you sell a stock, there will be a capital gain or capital loss depending on if it gained or lost value, after accounting for the Adjusted Cost Base. You only pay income tax on half... |
10652 | How much of each stock do index funds hold? | [
"427629",
"498597",
"147282",
"368124"
] | [
"In general, the goal of an S&P 500 index fund is to replicate the performance of the S&P 500 Index. To do this, the fund will buy the same stocks in the same proportions as the weighting of the Index. The S&P 500 Index is free-float capitalization weighted. This means that the higher capitalization stocks (based... |
10654 | Do algorithmic traders make money from short-term or long-term gains? | [
"446629"
] | [
"Algorithmic trading essentially banks on the fact that a price will fluctuate in tiny amounts over short periods of time, meaning the volatility is high in that given time frame. As the time frame increases the efficiency of algorithmic trading decreases and proper investment strategies such as due diligence, stoc... |
10656 | Question about Tax Information from a Prospectus | [
"88947",
"45190"
] | [
"At the end of each calendar year the mutual fund company will send you a 1099 form. It will tell you and the IRS what your account earned. You will see boxes for: You will end up paying taxes on these, unless the fund is part of a 401K or IRA. These taxes will be due even if you never sold any shares. They are due... |
10657 | Is the concept of an “odd lot” adjusted to stock price? | [
"492503"
] | [
"I will assume that you are not asking in the context of high frequency trading, as this is Personal Finance Stack Exchange. It is completely acceptable to trade odd lots for retail brokerage customers. The odd lot description that you provided in your link, from Interactive Brokers is correct. But even in that con... |
10662 | What to do if the stock you brought are stopped trading | [
"416767"
] | [
"\"The Indian regulator (SEBI) has banned trading in 300 shell companies that it views as being \"\"Shady\"\", including VB Industries. According to Money Control (.com): all these shady companies have started to rally and there was a complaint to SEBI that investors are getting SMSs from various brokerage firms to... |
10664 | Advice for opening an IRA as a newbie | [
"211525",
"111350",
"299690"
] | [
"First, a Roth is funded with post tax money. The Roth IRA deposit will not offset any tax obligation you might have. The IRA is not an investment, it's an account with a specific set of tax rules that apply to it. If you don't have a brokerage account, I'd suggest you consider a broker that has an office nearby. ... |
10665 | Why is it possible to just take out a ton of credit cards, max them out and default in 7 years? | [
"418708",
"41766",
"477424",
"231796"
] | [
"\"Well, primarily because that's fraud and fraud prevents a debtor from receiving a discharge in bankruptcy court. Fraud would be pretty easy to prove if you didn't have an income change and you have several lines of credit opened on and around the same day with almost no payments made toward them. Additionally,... |
10666 | How late is Roth (rather than pretax) still likely to help? | [
"544553",
"499323"
] | [
"My simplest approach is to suggest that people go Roth when in the 15% bracket, and use pre-tax to avoid 25%. I outlined that strategy in my article The 15% solution. The monkey wrench that gets thrown in to this is the distortion of the other smooth marginal tax curve caused by the taxation of social security. F... |
10672 | How can I find/compare custodians for my HSA in the United States? | [
"277607",
"476923"
] | [
"In general, things to look for are: Things to look out for: I'd recommend two places: I'd recommend reading up on HSA's in this related question here.",
"\"The account I have found that works best as a HSA is Alliant Credit Union. They have fee-free HSA (no fees for almost all types of transactions or monthly fe... |
10678 | Why do stores and manufacturers use mail in rebates? A scam, or is there a way to use them effectively? | [
"55052",
"435025",
"142153",
"245531",
"228034",
"51311",
"547573",
"95371"
] | [
"\"It's an effective way to achieve market segmentation without having to ask your customers how rich they are, and you get the benefit of finding out additional information like their address, email etc. The principle is similar to coupons on cereal boxes, anybody can get the rebate/discount if they go to the effo... |
10679 | Can I buy and sell a house quickly to access the money in a LISA? | [
"408362",
"581418"
] | [
"\"I've got £476,000 but the maximum house price is £450,000. What happens to the £26,000. Does it stay there with ~6% interest (and no bonus of course), and would be available when I retire at around 75 (there would be about £106,000 by then)? Yes, anything you don't withdraw for your house purchase stays in the... |
10682 | Is the interest on money borrowed on margin in/for an RRSP considered tax deductible? | [
"19433"
] | [
"I believe your question is based on a false premise. First, no broker, that I know of, provides an RRSP account that is a margin account. RRSP accounts follow cash settlement rules. If you don't have the cash available, you can't buy a stock. You can't borrow money from your broker within your RRSP. If you want ... |
10689 | Get interest on $100K by spending only $2K using FOREX rollovers? | [
"516833",
"162616",
"10324",
"486159"
] | [
"\"I'm smart enough to know that the answer to your questions is 'no'. There is no arbitrage scenario where you can trade currencies and be guaranteed a return. If there were, the thousands of PhD's and quants at hedge funds like DEShaw and Bridgewater would have already figured it out. You're basically trying to ... |
10693 | Make your money work for you | [
"8950",
"431775",
"522874"
] | [
"\"First of all, never is too late to develop good habits. So, you know what you want to do and you are going about the how now... First, you should pay off any consumer debt except from mortgage which should be planned for. Prioritize your consumer debt (credit cards, consumer loans, etc) according to the interest... |
10694 | Should I pay off my student loans or keep it in the bank? [duplicate] | [
"143467",
"5188"
] | [
"\"Many years ago I heard a multi-level marketing pitch that pointed out how many doctors don't get out of debt until they are well into their 50's. The selling point was that you can get rich quick, as rich as a doctor, with nothing more then a bit of elbow grease. Of course the pitch failed to mention that most... |
10698 | How can I figure out how much to bid on a parking space? | [
"386437",
"456389"
] | [
"If the cash flow information is complete, the valuation can be determined with relative accuracy and precision. Assuming the monthly rent is correct, the annual revenue is $1,600 per year, $250/mo * 12 months - $1,400/year in taxes. Real estate is best valued as a perpetuity where P is the price, i is the income, ... |
107 | Income tax on my online drop-shipping business (India) | [
"276408",
"269646"
] | [
"Please consult a tax advisor. You may be voilating the FEMA [Foreign Exchange Management Act] and can land into trouble. Further what you are doing can land up into various other acts as illegal including AML. Further if there is income generated by Indian citizen in India, he is still liable to pay tax, irre... |
10703 | Are distributions from an S corp taxable as long term capital gains? | [
"521489"
] | [
"\"If you have an S-Corp with several shareholders - you probably also have a tax adviser who suggested using S-Corp to begin with. You're probably best off asking that adviser about this issue. If you decided to use S-Corp for multiple shareholders without a professional guiding you, you should probably start loo... |
10704 | Individual Investor Safe Reinvest Gains Strategy? | [
"476517"
] | [
"Your idea is a good one, but, as usual, the devil is in the details, and implementation might not be as easy as you think. The comments on the question have pointed out your Steps 2 and 4 are not necessarily the best way of doing things, and that perhaps keeping the principal amount invested in the same fund i... |
10705 | Investing Superannuation Australia | [
"93828"
] | [
"You can make a start to learn how to make better investing decisions by learning and understanding what your current super funds are invested in. Does the super fund give you choices of where you can invest your funds, and how often does it allow you to change your investment choices each year? If you are interest... |
10711 | How does AMT/state taxes work for stock options in California? | [
"446628"
] | [
"Does this technically mean that she has to pay AMT on $400,000? Yes. Well, not exactly 400,000. She paid $1 per share, so 390,000. And if so, is %28 the AMT for this sum? (0.28 * $400,000 = $112,000)? Or does she have to include her salary on top of that before calculating AMT? (Suppose in the fake example tha... |
10712 | Should I sell the home in 2014 or continue to rent it out? | [
"372884"
] | [
"\"You need to get the current tax software, the 2013 filing software is out already, even though it needs to update itself before filing, as the final forms aren't ready yet. Then you will look carefully at Schedule E to understand what gets written off. I see you are looking at the $2200 rent vs your own rent of ... |
10715 | Should I invest my money in an ISA or Government bonds? (Or any other suggestion) | [
"384064",
"61264",
"337341"
] | [
"\"So you are off to a really good start. Congratulations on being debt free and having a nice income. Being an IT contractor can be financially rewarding, but also have some risks to it much like investing. With your disposable income I would not shy away from investing in further training through sites like Plu... |
10718 | Should I “hedge” my IRA portfolio with a life cycle / target date mutual fund? | [
"374225",
"96021",
"268731"
] | [
"\"First of all, it's great you're now taking full advantage of your employer match – i.e. free money. Next, on the question of the use of a life cycle / target date fund as a \"\"hedge\"\": Life cycle funds were introduced for hands-off, one-stop-shopping investors who don't like a hassle or don't understand. Suc... |
1072 | As a sole proprietor can I charge a fee for being paid by check or card | [
"572396"
] | [
"\"You can charge a fee to accept checks, although I think the better solution might be to offer a small discount for early payment of your invoices. As some people here have suggested, why not add a small bit to your fees to begin with to cover your inconvenience in the case they choose to pay by check? I often... |
1073 | Equity or alternative compensation in an LLC? | [
"106684"
] | [
"I'm not sure 1099-MISC is what you should expect. Equity means ownership, and in LLC context it means membership. As an LLC member, you'll get distributions and should receive a K-1 form for tax treatment, not 1099 or W2. If the CEO is talking about 1099 it means he's going to hire you as a contractor which contra... |
10733 | Long term saving: Shares, Savings Account or Fund | [
"424247",
"234979",
"409959"
] | [
"\"Congratulations on a solid start. Here are my thoughts, based on your situation: Asset Classes I would recommend against a long-term savings account as an investment vehicle. While very safe, the yields will almost always be well below inflation. Since you have a long time horizon (most likely at least 30 years ... |
10735 | First time investor and online brokerage accounts | [
"513281",
"224816",
"466472"
] | [
"\"First, let me say that $1000 is not that much of amount to invest in stocks. You need to remember that each transaction (buy/sell) has fees, which vary between $4-$40 (depending on the broker, you mentioned Scottrade - they charge $7 per transaction for stocks and about twice as much for some mutual funds). Cons... |
10736 | What's the best way to account for a risky investment - As an asset or an expense? | [
"69800"
] | [
"\"I'm no accountant, but I think the way I'd want to approach this kind of thing in Gnucash would be to track it as an Asset, since it is. It sounds like your actual concern is that your tracked asset value isn't reflecting its current \"\"market\"\" value. Presumably because it's risky it's also illiquid, so you'... |
10739 | How can I invest in gold without taking physical possession? | [
"13885",
"443094"
] | [
"You could buy shares of an Exchange-Traded Fund (ETF) based on the price of gold, like GLD, IAU, or SGOL. You can invest in this fund through almost any brokerage firm, e.g. Fidelity, Etrade, Scotttrade, TD Ameritrade, Charles Schwab, ShareBuilder, etc. Keep in mind that you'll still have to pay a commission and f... |
10749 | Diversify across multiple brokers? | [
"345091"
] | [
"You should ensure that your broker is a member of the Securities Investor Protection Corporation (SIPC). SIPC protects the cash and securities in your brokerage account much like the Federal Deposit Insurance Corporation (FDIC) protects bank deposits. Securities are protected with a limit of $500,000 USD. Cash is ... |
1075 | How do you compare the sales of a company like Coca Cola against another company like JPMorgan Chase to figure out the best investment opportunity? | [
"438392"
] | [
"The question isn't sales but profits. Banks traditionally profit by making loans. Just as with a physical product, there are costs involved, income produced, and the difference between the two is gross profit. From there you can get net profit, and from there you can look at efficiency or profit per share or whate... |
10750 | What is a rule of thumb for accruing debt on a rental property? | [
"279488"
] | [
"To start, I hope you are aware that the properties' basis gets stepped up to market value on inheritance. The new basis is the start for the depreciation that must be applied each year after being placed in service as rental units. This is not optional. Upon selling the units, depreciation is recaptured whether i... |
10756 | Can individual investors buy precious metals at the spot price? | [
"110716",
"412858"
] | [
"There are various exchanges around the world that handle spot precious metal trading; for the most part these are also the primary spot foreign exchange markets, like EBS, Thomson Reuters, Currenex (website seems to be down), etc. You can trade on these markets through brokers just like you can trade on stock mark... |
10757 | Paying off mortgage or invest in annuity | [
"86158",
"441512",
"2648"
] | [
"You can't pay your bills with equity in your house. Assuming you paid off the mortgage, where would the money come from that you plan to live off of? If that is your whole retirement savings I'd say do neither. Maybe an annuity (not variable) for SOME of the money, keep the rest invested in conservative investment... |
10759 | Supply & Demand - How Price Changes, Buy Orders vs Sell Orders [duplicate] | [
"224672",
"163333",
"208907"
] | [
"\"For every buyer there is a seller. That rule refers to actual (historical) trades. It doesn't apply to \"\"wannabees.\"\" Suppose there are buyers for 2,000 shares and sellers for only 1,000 at a given price, P. Some of those buyers will raise their \"\"bid\"\" (the indication of the price they are willing to pa... |
1076 | Are there tax liabilities (in the US) for having a US bank account while I am abroad? | [
"586455"
] | [
"I don't think so in your case. Unless the account generates so much interest income that it became reportable (I don't know the exact limit, but I think it's in the hundreds if not thousands of dollars, you might get a 1099 form if it generates over $10 of interest income, but you don't have to file taxes if your ... |
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