question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
10760 | How do I read technicals for tickers that move together but are slightly different? | [
"205208"
] | [
"\"Following comments to your question here, you posted a separate question about why SPY, SPX, and the options contract don't move perfectly together. That's here Why don't SPY, SPX, and the e-mini s&p 500 track perfectly with each other? I provided an answer to that question and will build on it to answer what I... |
10761 | Is it possible to take advantage of exceptions to early withdrawal penalties on a 401(k)? | [
"330874",
"187498"
] | [
"Your question doesn't make much sense. The exceptions are very specific and are listed on this site (IRS.GOV). I can't see how you can use any of the exceptions regularly while still continuing being employed and contributing. In any case, you pay income tax on any distribution that has not been taxed before (whic... |
10764 | What would be a wise way to invest savings for a newly married couple? | [
"198251",
"454892",
"51593"
] | [
"Forgive me as I do not know much about your fine country, but I do know one thing. You can make 5% risk free guaranteed. How, from your link: If you make a voluntary repayment of $500 or more, you will receive a bonus of 5 per cent. This means your account will be credited with an additional 5 per cent of the va... |
10765 | Over contributing to workplace pension or private pension | [
"8974"
] | [
"\"Firstly (and this part is rather opinion-based) I would absolutely not think of making more pension contributions when you are currently totaling 6% of salary as \"\"over contributing\"\". There are some who argue that you should be putting a minimum of 20% away for retirement throughout your working life; you d... |
10766 | How does a small worker co-op track/manage stocks/shares | [
"468188"
] | [
"What I know about small companies and companies who are not listed on the stock markets is this: If a small company has shares issued to different people either within an organization or outside the value of the shares is generally decided by the individual who wants to sell the share and the buyer who wants to bu... |
10767 | What is the Difference between Life Insurance and ULIP? | [
"405178",
"422821"
] | [
"\"I would refer you to this question and answers. Here in the US we have two basic types of life insurance: term and whole life. Universal life is a marketing response to whole life being such a bad deal, and is whole life just not quite as bad. I am not familiar with the products in India, but given the acronym ... |
1077 | Why don't banks allow more control over credit/debit card charges? | [
"428730",
"289464",
"473878",
"422225",
"294899",
"516050",
"148423"
] | [
"quid has expressed some of the disadvantages with this approach, but there is another. Vendors will not want to give you any goods you buy with your credit card until they are sure they will get the money. With your suggested approach buying something with a credit card now looks like: No vendor is going to stand ... |
10770 | Why is the regulation of “swaps” important to failing systemically significant institutions? | [
"148171"
] | [
"Have you ever considered how much faith and confidence play a role in the financial sector? The calling in of swaps could cause issues similar to a Bank Run, which may or may not involve others coming into play. While this is cleaning up the mess from a few years ago, there is something to be said for how compli... |
10773 | Growth of unrealized gains in tax-managed index funds | [
"489514",
"24742"
] | [
"I don't know that I can answer the question fully, but 2 points. The percent that represent capital gains certainly can't exceed 100. Did you mean 50% but the 500% is a typo? More important, funds held in retirement accounts have no issue with this, Cap Gains are meaningless within tax deferred accounts. I don't ... |
10776 | With respect to insider trading, what is considered “material information”? | [
"319818",
"120683"
] | [
"\"Some history: In the US, this is very tightly controlled and regulated. Although stock market securities insider trading is a relatively new crime around the world (20-30 year old), the United States is exceptional for offering the longest sentences for it, although it is still far more lucrative than and carri... |
1078 | How to receive packages pseudonymously? | [
"594653"
] | [
"\"I've done this before for startup companies where I didn't want the mailing address to really obviously be my apartment or home address. Just for appearances. What you should be Googling are terms like \"\"private mailbox center.\"\" If I recall correctly, I used to do this with Mail Boxes Etc before they were b... |
10780 | Are U.S. salaries typically measured/reported before tax, or after tax? | [
"280081"
] | [
"\"In the U.S., virtually all salaries are expressed as \"\"gross salaries\"\", which are before the taxes that the individual must pay on their income. The numbers shown in the links are almost certainly gross salary figures. However, the \"\"gross salary\"\" is not the entire \"\"total compensation\"\" number, wh... |
10783 | What is a “closed-end fund”? How is a closed-end fund different from a typical mutual fund? | [
"55769"
] | [
"A closed-end fund is a collective investment scheme that is closed to new investment once the fund starts operating. A typical open-ended fund will allow you to buy more shares of the fund anytime you want and the fund will create those new shares for you and invest your new money to continue growing assets under... |
10789 | How to choose a good 401(k) investment option? | [
"144824",
"571217",
"278346",
"118691",
"235655"
] | [
"There are not as many options here as you fear. If you have no other investments outside this 401K it is even easier. Outside accounts include IRA, Roth IRA, taxable investments (mutual funds, ETF, individual stocks), Employee stock purchase plans. Amount: make sure you put enough in to get all the company match. ... |
1079 | How do “held” amounts appear on statements and affect balances of traditional credit cards? | [
"384892"
] | [
"\"The \"\"hold\"\" is just placeholder that prevents you from overspending until the transaction is settled. The merchant isn't \"\"holding\"\" your money, your bank or card provider is protecting itself from you overdrawing. In general, it takes 1-3 days for a credit transaction to settle. With a credit card, thi... |
10790 | What to know before purchasing Individual Bonds? | [
"325370"
] | [
"\"A few points that I would note: Call options - Could the bond be called away by the issuer? This is something to note as some bonds may end up not being as good as one thought because of this option that gets used. Tax considerations - Are you going for corporate, Treasury, or municipals? Different ones may have... |
10793 | Is there any way to attach a statement of explanation while submitting a tax return electronically using Free Fillable Forms? | [
"57707"
] | [
"\"Depending on what you need to explain, you can submit your electronic return without the supplemental information and subsequently mail a Form 8453 with the additional information. This is helpful for form 8489, for example, where you need to list every transaction reported by your stock broker on a 1099-B. Se... |
10794 | Understanding how this interpretation of kelly criterion helps the trader | [
"557921",
"536841",
"87811"
] | [
"Three important things worth remembering about Kelly when applied to real world edges: 1) Full Kelly staking is gut wrenchingly volatile. While it maximises the growth of the bankroll, it does so in a way that still leaves you very likely to experience massive (50%+) reductions in capital. Most long terms users of... |
10795 | What size “nest egg” should my husband and I have, and by what age? | [
"591705",
"143591",
"70559",
"316485",
"274306",
"511313"
] | [
"I would focus first on maxing out your RRSPs (or 401k) each year, and once you've done that, try to put another 10% of your income away into unregistered long term growth savings. Let's say you're 30 and you've been doing that since you graduated 7 years ago, and maybe you averaged 8% p.a. return and an average of... |
10798 | One Share Stock Reverse Split | [
"304085"
] | [
"Any time there is a share adjustment from spin-off, merger, stock split, or reverse slit; there is zero chance for the stockholders to hang on to fractional shares. They are turned into cash. For the employees in the 401K program or investors via a mutual fund or ETF this isn't a problem. Because the fraction of... |
108 | How to find a business consultant that would ensure that all your business activities are legal and compliant with all regulations? | [
"396982"
] | [
"\"Getting a specific service recommendation is off-topic, but the question of what type of professional you need seems on-topic to me. You may be looking for more than one professional in this case, but you could try these to start your search: Different people do things differently, but I think it would be prett... |
1080 | Steps/Procedures to open an online stock trading account in the US | [
"158091"
] | [
"Since you are not starting with a lot of cash the commissions may eat into your account. So go with somebody that has no inactivity fee and low/free commission. I think there are number of sites and the ING sharebuilder.com comes to mind. Scottrade also one of the cheaper ones that i used."
] |
10800 | Investments other than CDs? | [
"5602",
"345030"
] | [
"You're losing money. And a lot of it. Consider this: the inflation is 2-4% a year (officially, depending on your spending pattern your own rate might be quite higher). You earn about 1/2%. I.e.: You're losing 3% a year. Guaranteed. You can do much better without any additional risk. 0.1% on savings account? Why no... |
10801 | Choosing a vehicle to invest a kid's money on their behalf (college, etc.)? | [
"173878",
"178579"
] | [
"\"Roth is currently not an option, unless you can manage to document income. At 6, this would be difficult but not impossible. My daughter was babysitting at 10, that's when we started her Roth. The 529 is the only option listed that offers the protection of not permitting an 18 year old to \"\"blow the money.\"\... |
10802 | How to calculate years until financial independence? | [
"406409",
"567282"
] | [
"\"The definition I use for financial independence is 99% confidence that, at a specific estimated spending rate per year (allowing for estimated inflation, and budgeting for likely medical emergencies, and taxes on taxable investments), the money will outlast me. This translates to needing an average annual return... |
10803 | Negative interest rates and search for yield | [
"400646"
] | [
"\"Can it be so that these low-interest rates cause investors to take greater risk to get a decent return? With interest rates being as low as they are, there is little to no risk in banking; especially after Dodd-Frank. \"\"Risk\"\" is just a fancy word for \"\"Will I make money in the near/ long future.\"\" No o... |
10807 | Invest in (say, index funds) vs spending all money on home? | [
"357200",
"393857",
"322825"
] | [
"Rules of thumb? Sure - Put down 20% to pay no PMI. The mortgage payment (including property tax) should be no more than 28% of your gross monthly income. These two rules will certainly put a cap on the home price. If you have more than the 20% to put down on the house you like, stop right here. Don't put more do... |
1081 | Do I need to file a 1099 form for contractors associated with hobby income? | [
"11569"
] | [
"You are expected to file 1099 for each person you pay $600 a year. I.e.: not a one time payment, but the total over the course of the year. Since we don't know how much and what else you paid - we cannot answer this question. The real question you're asking is that if you're treating the enterprise as a hobby, whe... |
10810 | How useful is the PEG Ratio for large cap stocks? | [
"265314"
] | [
"It is not so useful because you are applying it to large capital. Think about Theory of Investment Value. It says that you must find undervalued stocks with whatever ratios and metrics. Now think about the reality of a company. For example, if you are waiting KO (The Coca-Cola Company) to be undervalued for buying... |
10814 | Should I save for my children's university education in Canada, or am I better off paying off loans and gaining debt room? | [
"589208"
] | [
"At the very least I'd look closely at what you could get from the RESP (Registered Education Savings Plan). Depending on your income the government are quite generous with grants and bonds you can get over $11,000 of 'free' money if you qualify for everything CESG - Canada Education Savings Grant By applying for ... |
10816 | Is a credit card deposit a normal part of the vehicle purchase process | [
"261673"
] | [
"\"Unfortunately, it's not unusual enough. If you're looking for a popular car and the dealer wants to make sure they aren't holding onto inventory without a guarantee for sale, then it's a not completely unreasonable request. You'll want to make sure that the deposit is on credit card, not cash or check, so you ... |
10817 | How will I pay for college? | [
"335429",
"10006",
"348878",
"128878",
"302829"
] | [
"\"First, it's clear from your story that you very likely should be able to receive some financial aid. That may be in the form of loans or, better, grants in which you just get free money to attend college. For example, a Pell grant. You won't get all you'd need for a free ride this way, but you can really make... |
10818 | What are futures and how are they different from options? | [
"357324",
"302164"
] | [
"Cart's answer is basically correct, but I'd like to elaborate: A futures contract obligates both the buyer of a contract and the seller of a contract to conduct the underlying transaction (settle) at the agreed-upon future date and price written into the contract. Aside from settlement, the only other way either p... |
1082 | GnuCash, how do I book loan from credit card, being paid back with salary? [duplicate] | [
"174714"
] | [
"\"When you pay the flight, hotel, conference attendance fees of $100: When you repay the credit card debt of $100: When you receive the gross salary of $5000: Your final balance sheet will show: Your final income statement will show: Under this method, your \"\"Salary\"\" account will show the salary net of busine... |
10825 | How exactly do dividend reinvestment plans (DRIPs) work? | [
"61787"
] | [
"I think Wikipedia offers a very good explanation: A dividend reinvestment program or dividend reinvestment plan (DRIP) is an equity investment option offered directly from the underlying company. The investor does not receive quarterly dividends directly as cash; instead, the investor's dividends are directly rein... |
10826 | Should I talk about my stocks? | [
"411536",
"409086"
] | [
"I like your question and think it is a pretty good one. Generally speaking I would not suggest talking about your stock picks or wealth. Here is why: 1) Most people are broke. Seventy-eight percent of the US population report living paycheck to paycheck. More than a majority do not have enough in savings to c... |
10828 | Can a company control its stock through contracts with stockholders? | [
"177648"
] | [
"Your first scenario, involving shareholders in a private corp being limited by a contractual agreement, is common in practice. Frequent clauses include methods of valuing the shares if someone wants to sell, first right of refusal [you have to attempt to sell to the other shareholders, before you can sell to a 3rd... |
1083 | Can a custodian refuse prior-year IRA/HSA deposit postmarked April 15? | [
"226976",
"593554",
"313310"
] | [
"\"The \"\"must be postmarked\"\" language might be just from the old bank itself, not from the IRS. The language I see in Publication 969 only says \"\"You can make contributions to your HSA for 2014 until April 15, 2015.\"\" In this case, it is understandable that the credit union you have the new account with d... |
10831 | Should I move my money market funds into bonds? | [
"97793",
"34925",
"559927",
"500815",
"148541",
"498848"
] | [
"It depends how much risk you're prepared to accept. The short-term risk-free rate of return at present is something in the vicinity of 0.1% (three month US treasuries are currently yielding 0.08%), so anything paying a higher rate on money that's accessible quickly will involve some degree of risk -- the higher th... |
10839 | Whole life insurance - capped earnings | [
"93332",
"218484",
"272590"
] | [
"\"The question that I walk away with is \"\"What is the cost of the downside protection?\"\" Disclaimer - I don't sell anything. I am not a fan of insurance as an investment, with rare exceptions. (I'll stop there, all else is a tangent) There's an appeal to looking at the distribution of stock returns. It looks a... |
10842 | How are startup shares worth more than the total investment funding? | [
"34437",
"225459",
"593003"
] | [
"\"What littleadv said is correct. His worth is based on the presumed worth of the total company value (which is much greater than all investment dollars combined because of valuation growth)*. In other words, his \"\"worth\"\" is based on the potential return for his share of ownership at a rate based on the late... |
10843 | Is it better to buy put options or buy an inverse leveraged ETF? | [
"30427",
"171784",
"294688"
] | [
"You don't have to think it is going down, it is currently trending down as on a weekly chart there are lower lows and lower highs. Until there is a higher low with confirmation of a higher high, the downtrend will continue. The instrument you use to profit from a market drop depends on your risk profile, the time... |
10846 | Interest payments for leveraged positions | [
"543811"
] | [
"\"I think to some extent you may be confusing the terms margin and leverage. From Investopedia Two concepts that are important to traders are margin and leverage. Margin is a loan extended by your broker that allows you to leverage the funds and securities in your account to enter larger trades. In order to use ma... |
10853 | How much principal do I get back with a target-maturity ETF? | [
"331108"
] | [
"Adding a couple more assumptions, I'd compute about $18.23 would be that pay out in 2018. This is computed by taking the Current Portfolio's Holdings par values and dividing by the outstanding shares(92987/5100 for those wanting specific figures used). Now, for those assumptions: Something to keep in mind is that... |
10857 | Receiving partial payment of overseas loan/company purchase? | [
"489044"
] | [
"\"Is it equity, or debt? Understanding the exact nature of one's investment (equity vs. debt) is critical. When one invests money in a company (presumably incorporated or limited) by buying some or all of it — as opposed to lending money to the company — then one ends up owning equity (shares or stock) in the comp... |
10858 | Why is the bid-ask spread considered a cost? | [
"151391",
"580364",
"79766"
] | [
"Your assets are marked to market. If you buy at X, and the market is bidding at 99.9% * X then you've already lost 0.1%. This is a market value oriented way of looking at costs. You could always value your assets with mark to model, and maybe you do, but no one else will. Just because you think the stock is worth... |
1086 | Should withheld income tax be included as income? | [
"97636",
"62869"
] | [
"Does it make sense to report withheld tax income as an additional income? Is it required by the IRS? Is $T deductible? This is what is called imputed income. The ticket is an income for you, but the company doesn't want you to pay tax on it. But you have to. But they want to be nice to you and give you the ticke... |
10862 | What to do with south african currency free fall | [
"592251",
"255769"
] | [
"Use other currencies, if available. I'm not familiar with the banking system in South Africa; if they haven't placed any currency freezes or restrictions, you might want to do this sooner than later. In full crises, like Russian and Ukraine, once the crisis worsened, they started limiting purchases of foreign cur... |
10868 | Over how much time should I dollar-cost-average my bonus from cash into mutual funds? | [
"403226",
"535732",
"268772",
"250530"
] | [
"The OP invests a large amount of money each year (30-40k), and has significant amount already invested. Some in the United States that face this situation may want to look at using the bonus to fund two years worth of IRA or Roth IRA. During the period between January 1st and tax day they can put money into a IRA... |
1087 | Being a 1099 for a company I part-own? | [
"578196"
] | [
"\"The contract he wants me to sign states I'll receive my monthly stipend (if that is the right word) as a 1099 contractor. The right word is guaranteed payment, which is what \"\"salary\"\" is called when a partner is working for a partnership she's a partner in. Which is exactly the case in your situation. 109... |
10872 | Is there any data that shows how diversifying results in better returns than just sticking to an all-stock portfolio? | [
"569849"
] | [
"\"This paper by a Columbia business school professor says: The standard 60%/40% strategy outperforms a 100% bond or 100% stock strategy over the 1926-1940 period (Figure 5) and over the 1990-2011 period (Figure 6). This is based on actual market data from those periods. You can see the figures in the PDF. These ... |
10873 | How some mutual funds pay such high dividends | [
"101188"
] | [
"Look at their dividend history. The chart there is simply reporting the most recent dividend (or a recent time period, in any event). GF for example: http://www.nasdaq.com/symbol/gf/dividend-history It's had basically two significant dividends and a bunch of small dividends. Past performance is not indicative o... |
10876 | 401K - shift from agressive investment to Money Market | [
"39566",
"129997"
] | [
"If you look at history, it shows that the more people predict corrections the less was the chance they came. That doesn't prove it stays so, though. 2017 is not any different than other years in the future: Independent of this, with less than ten years remaining until you need to draw from your money, it is a good... |
10878 | Good books for learning about tax strategy/planning | [
"549401",
"399203"
] | [
"Keep in mind that chasing after tax savings tends to not be a good way of saving money. What is a good strategy? Making sure that you take all the deductions you are entitled to. What is a bad strategy: You asked for a book recommendation. The problem is that I don't know of any books that cover all these topics.... |
10879 | Are warehouse clubs like Costco and Sam's Club worth it? | [
"218149",
"454111",
"231660",
"202116",
"53531",
"150721",
"512108"
] | [
"We were members at costco, but decided not to renew. Meat was a definite cost savings, and laundry detergent as well. Diapers used to be a huge savings, but loblaws seems to be pricing things better now. We did by a bunch of Kirkland brand diapers and wipes before the membership ended. The problem we had was th... |
10880 | Costs around a modern crowd-sourced hedge fund | [
"65782"
] | [
"\"Your inference in #1 is incorrect. The million dollars he has contributed is going to be part of the assets of the fund. This is common practice and is a way for the founder to express confidence that the fund will make money. He wants you to come up with a model that he can then use to trade those assets. P... |
10883 | How is initial stock price (IPO) of a stock determined | [
"386364"
] | [
"Who determines company value at IPO? The Owners based on the advice from Lead Bankers and other Independent auditors who would determine the value of the company at the time of listing. At times instead of determining a fixed price a range is given [lower side and higher side]. The Market participants [FI / Instit... |
10887 | Money transfer from India to USA | [
"203889",
"553205"
] | [
"We have a house here in India worth Rs. 2 Crores. We want to sell it and take money with us. Selling the house in India will attract Capital Gains Tax. Essentially the price at which you sell the property less of the property was purchased [or deemed value when inherited by you]. The difference is Capital Gains. ... |
10893 | Renters Liability in Case of Liability Claims for Property Damage or Fire | [
"215066",
"153285"
] | [
"\"The truth is anyone can sue anyone for anything. So yes you could be sued, but the more important part to measure is the probability of success. While this is probably more of a legal stack exchange question, in order for a successful suit there has to be proven at least some negligence on your part in the si... |
10897 | Planning to invest in stock, age 16 | [
"383532",
"219995"
] | [
"\"First of all, since you're 16 - you will not invest in anything. You cannot, you're a minor. You cannot enter contracts, and as such - you cannot transact in property. Your bank accounts are all UGMA accounts. I.e.: your guardian (or someone else who's the trustee on the account) will be the one transacting, not... |
10899 | Why would a company issue a scrip dividend and how will this issue affect me? | [
"217006",
"162454"
] | [
"Am I correct in understanding that a Scrip Dividend involves the issue of new shares instead of the purchase of existing shares? Yes. Instead of paying a cash dividend to shareholders, the company grants existing shareholders new shares at a previously determined price. This allows shareholders who join the progra... |
10901 | Can you step up your cost basis indefinitely via the 0% capital gains rate? | [
"67276",
"290317"
] | [
"\"Your real question, \"\"why is this not discussed more?\"\" is intriguing. I think the media are doing a better job bringing these things into the topics they like to ponder, just not enough, yet. You actually produced the answer to How are long-term capital gains taxed if the gain pushes income into a new tax ... |
10902 | Deductions greater than Income : Traditional IRA to Roth Conversion? | [
"30037",
"152354"
] | [
"\"Yes. A most emphatic yes. I suggest you look at your 2014 return and project what 2015 will look like. I'd convert enough to \"\"top off\"\" the 15% bracket. Note, if you overshoot it, and in April 2016, see that you are say $5K into the 25% rate, you can just recharacterize the amount you went over and nail th... |
10904 | What happens if a Financial Services Company/Stockbroker goes into administration in the UK? | [
"370212",
"24306"
] | [
"Nothing. Stockbrokers set up nominee accounts, in which they hold shares on behalf of individual investors. Investors are still the legal owners of the shares but their names do not appear on the company’s share register. Nominee accounts are ring-fenced from brokers’ other activities so they are financially secur... |
10906 | I spend too much money. How can I get on the path to a frugal lifestyle? | [
"515440",
"325973",
"464753",
"264530",
"340009",
"546911",
"17448",
"210302",
"91093",
"66744",
"129975",
"573725",
"289483",
"423035",
"241599",
"543691",
"407218"
] | [
"\"My father imparted this advice to me when I was a teenager, and it hasn't failed me yet. > Pay yourself first What this means is that the first \"\"bill\"\" you pay should always be your savings. Preferably in a way that automatically comes out of your paycheck or account without requiring you to take an active ... |
10908 | Is there any reason to choose my bank's index fund over Vanguard? | [
"189868",
"520963",
"453542",
"544236"
] | [
"That expense ratio on the bank fund is criminally high. Use the Vanguard one, they have really low expenses.",
"\"Your bank's fund is not an index fund. From your link: To provide a balanced portfolio of primarily Canadian securities that produce income and capital appreciation by investing primarily in Canadia... |
10913 | What are these fees attached to mutual fund FSEMX? | [
"89297",
"155797"
] | [
"Annual-report expense ratios reflect the actual fees charged during a particular fiscal year. Prospectus Expense Ratio (net) shows expenses the fund company anticipates will actually be borne by the fund's shareholders in the upcoming fiscal year less any expense waivers, offsets or reimbursements. Prospectus Gro... |
10916 | Is there a way to buy raw oil today and sell it in 1 year time? | [
"542051",
"459825",
"234115"
] | [
"There are many ways of investing either directly or indirectly in oil: all of these options are ways to invest in an expected change in the price of oil at various degrees of directness and risk profiles. Investing in derivative or derivative-like products such as futures and CFDs is very risky and requires a good... |
1092 | What are the advantages of paying off a mortgage quickly? | [
"386994",
"466778",
"439959",
"484658",
"279229",
"107152"
] | [
"The main reason for paying your mortgage off quickly is to reduce risk should a crisis happen. If you don't have a house payment, you have much higher cash flow every month, and your day-to-day living expenses are much lower, so if an illness or job loss happens, you'll be in a much better position to handle it. ... |
10922 | How to know if two ETFs are 'substantially identical' according to wash sale rules? | [
"530631",
"209996"
] | [
"\"It sounds like this is an entirely unsettled question, unfortunately. In the examples you provide, I think it is safe to say that none of those are 'substantially identical'; a small overlap or no overlap certainly should not be considered such by a reasonable interpretation of the rule. This article on Kitces ... |
10925 | Market Making vs Market Taking (Quotes vs Orders) | [
"69197",
"186392"
] | [
"Quote driven markets are the predecessors to the modern securities market. Before electronic trading and HFTs specifically, trading was thin and onerous. Today, the average investor can open up a web page, type in a security, and buy at the narrowest spread permitted by regulators with anyone else who wants to ta... |
1093 | Ballpark salary equivalent today of “healthcare benefits” in the US? | [
"121621",
"359465",
"65407",
"285502",
"59687",
"261024",
"415745",
"484382",
"99679"
] | [
"\"As a contractor, I have done this exact calculation many times so I can compare full time employment offers when they come. The answer varies greatly depending on your situation, but here's how to calculate it: So, subtracting the two and you get I've run many different scenarios with multiple plans and employer... |
10930 | What are the best options for an RESP for my 2 year old kid? | [
"509608"
] | [
"Since your child is 2, he has a long time horizon for investment. Assuming the savings will be used at age 19, that's 17 years. So, I think your best bet is to invest primarily in equities (i.e. stock-based funds) and inside an RESP. Why equities? Historically, equities have outperformed debt and cash over long... |
10936 | Question about MBS and how it pays | [
"186127",
"27425"
] | [
"A security is a class of financial instrument you can trade on the market. A share of stock is a kind of security, for example, as is a bond. In the case of your mortgage, what happens: You take out a loan for $180k. The loan has two components. a. The payment stream (meaning the principal and the interest) fro... |
10937 | Is it smarter to buy a small amount of an ETF every 2 or 3 months, instead of monthly? | [
"263784",
"48678",
"254910"
] | [
"I personally invest in 4 different ETFs. I have $1000 to invest every month. To save on transaction costs, I invest that sum in only one ETF each month, the one that is most underweight at the time. For example, I invest in XIC (30%), VTI (30%), VEA (30%), and VWO (10%). One month, I'll buy XIC, next month VTA,... |
1094 | How to get a grip on finance? | [
"62047"
] | [
"\"I think this question is perfectly on topic, and probably has been asked and answered many times. However, I cannot help myself. Here are some basics however: Personal Finance is not only about math. As a guy who \"\"took vector calculus just for fun\"\", I have learned that superior math skills do not transla... |
10946 | What cost basis accounting methods are applicable to virtual currencies? | [
"274278"
] | [
"\"The only \"\"authoritative document\"\" issued by the IRS to date relating to Cryptocurrencies is Notice 2014-21. It has this to say as the first Q&A: Q-1: How is virtual currency treated for federal tax purposes? A-1: For federal tax purposes, virtual currency is treated as property. General tax principles ap... |
10948 | Did I get screwed in taxes on a mutual fund dividend payment? | [
"545491",
"379357"
] | [
"\"How is that possible?? The mutual fund doesn't pay taxes and passes along the tax bill to shareholders via distributions would be the short answer. Your basis likely changed as now you have bought more shares. But I gained absolutely nothing from my dividend, so how is it taxable? The fund has either realized ... |
10956 | How does it work when the same ETF is listed on several stock exchanges? | [
"1577"
] | [
"If I buy VUSA from one exchange, can I sell it in a different exchange, assuming my brokerage account lets me trade in both exchanges? Or is it somehow tied to the exchange I bought it from? This doesn't happen for all securities and between all stock exchanges. So that is dependent on broker and country. I checke... |
10961 | Exchange rate $ ETF,s | [
"161201"
] | [
"Your assumption that funds sold in GBP trade in GBP is incorrect. In general funds purchase their constituent stocks in the fund currency which may be different to the subscription currency. Where the subscription currency is different from the fund currency subscriptions are converted into the fund currency befor... |
10962 | Does Warren Buffett really have a lower tax rate than his secretary? | [
"118878"
] | [
"\"The scenario you mention regarding capital gains is pretty much the core of the issue. Here's a run-down from PolitiFact.com that explains it a bit. It's important to focus on it being the tax rate, not the tax amount (which I think you get, but I want to reinforce that for other readers). Basically, most of Bu... |
10965 | What's the best way to manage all the 401K accounts I've accumulated from my past jobs? | [
"516777",
"323934",
"221117"
] | [
"I rolled mine over from the company I was at into my own brokerage house. You can't roll them into a Roth IRA, so I needed to setup a traditional IRA. There is paperwork your old jobs can provide you. I had to put in some mailing addresses, some account numbers and turn them in. My broker received it, I chose w... |
10967 | How does cash ISA & share ISA mix together | [
"318823"
] | [
"\"There are two different types of ISA; the \"\"Cash ISA\"\" for cash savings, and the \"\"Stocks and Shares ISA\"\" for stock market investing. You can transfer funds between these two different types of ISA. If your current cash ISA provider does not provide stocks and shares ISAs, then there may be a fee invo... |
10970 | Are there any other considerations for bonus sacrifice into Pension (UK) | [
"15121"
] | [
"\"The pension is indeed the clear winner and you haven't missed anything. It's easiest to just compare everything in current numbers as you've done and ignore investment opportunities. Given you expect to pay off your student loan in full, you should consider the repayment as a benefit for you too, so the balance ... |
10972 | If a mutual fund did really well last year, then statistically speaking, is it likely going to do bad this year? | [
"264237",
"170815",
"259955"
] | [
"\"This can be answered by looking at the fine print for any prospectus for any stock, bond or mutual fund. It says: \"\"Past performance is not an indicator of future performance.\"\". A mutual fund is a portfolio of common stocks, managed by somebody for a fee. There are many factors that can drive performance of... |
10976 | Why would a passive investor buy anything other than the market portfolio + risk free assets? | [
"382384"
] | [
"\"Investing is always a matter of balancing risk vs reward, with the two being fairly strongly linked. Risk-free assets generally keep up with inflation, if that; these days advice is that even in retirement you're going to want something with better eturns for at least part of your portfolio. A \"\"whole market\... |
10978 | Any tips for asset allocation across multiple retirement accounts? | [
"454102",
"198572"
] | [
"I have a similar plan and a similar number of accounts. I think seeking a target asset allocation mix across all investment accounts is an excellent idea. I use excel to track where I am and then use it to adjust to get closer (but not exactly) to my target percentages. Until you have some larger balances, it ma... |
1098 | Hired with W-9, will I owe estimated tax quarterly? | [
"84996"
] | [
"You must pay your taxes at the quarterly intervals. For most people the withholding done by their employer satisfies this requirement. However, if your income does not have any withholding (or sufficient), then you must file quarterly estimated tax payments. Note that if you have a second job that does withhold, ... |
10980 | What is the psychology behind the Dead Cat Bounce Pattern and how can it be traded? | [
"486768"
] | [
"You are correct, a possible Dead Cat Bounce is forming on the stock markets. If it does form it will mean that prices have not reached their bottom, as this pattern is a bearish continuation pattern. For a Dead Cat Bounce to form prices will need to break through support formed by the lows last week. If prices bou... |
10987 | What's the benefit of opening a Certificate of Deposit (CD) Account? | [
"21468",
"481442",
"290505",
"62051",
"592679"
] | [
"\"If you've already got emergency savings sufficient for your needs, I agree that you'd be better served by sending that $500 to your student loan(s). I, personally, house the bulk of my emergency savings in CDs because I'm not planning to touch it and it yields a little better than a vanilla savings account. To a... |
10989 | What is the difference between shares and ETF? | [
"454224"
] | [
"A mutual fund has several classes of shares that are charged different fees. Some shares are sold through brokers and carry a sales charge (called load) that compensates the broker in lieu of a fee that the broker would charge the client for the service. Vanguard does not have sales charge on its funds and you do... |
1099 | How should one refuse to father in law (Chinese) when he wants to borrow money? | [
"433646"
] | [
"\"In these situations, one solution is to use the \"\"I was just about to ask you the same thing...\"\" response. This is kind of a famous way to deal with people asking you for money, whether it's someone asking to borrow \"\"$10 at lunch time\"\" or \"\"$3000 for a car\"\" or the like. So: Person X asks you for ... |
10993 | What happens if a bank loses your safe deposit box? | [
"506826"
] | [
"Unfortunately assets placed in a safety deposit box are not covered under the Federal Deposit Insurance Program (FDIC). Unless the bank is found to be negligent in the way it handled or protected your safety deposit box, neither them nor their private insurance company will reimburse you for the loss. Find out if ... |
10996 | How is “The People's Trust” not just another Investment Trust? | [
"205280",
"500460"
] | [
"\"According to what little information is available currently, this fund is most akin to an actively managed exchange traded fund rather than an investment trust. An investment trust is an actively managed, closed-end fund that is tradeable on the stock market. \"\"Closed-end\"\" means that there are a fixed numb... |
11 | Personal checks instead of business ones | [
"596427"
] | [
"I'll assume you are asking about a check for some kind of work or service that you provided them, that they hired your company to do. No large business will do that. In their records they have a contract with your company to provide services. If they write you a personal check it won't match with the contract, and... |
110 | How to determine how much to charge your business for rent (in your house)? | [
"520386",
"220063",
"410128",
"459119",
"482165",
"397152"
] | [
"Your best approach is to assess rent levels in your local area for offices of a similar size. You need to take into account all the usuals - amenities, parking, etc, just as if your home-office was provided by a third-party. Get your $/sq ft and work out the monthly amount. With this figure, you need to then work ... |
11000 | What's an Exchange-Traded Fund (ETF)? | [
"357979",
"473658"
] | [
"Wikipedia has a fairly detailed explanation of ETFs. http://en.wikipedia.org/wiki/Exchange-traded_fund",
"ETFs offer the flexibility of stocks while retaining many of the benefits of mutual funds. Since an ETF is an actual fund, it has the diversification of its potentially many underlying securities. You can f... |
11002 | Pros/cons for buying gold vs. saving money in an interest-based account? | [
"529715",
"463230",
"57564",
"31004"
] | [
"\"As Michael McGowan says, just because gold has gone up lots recently does not mean it will continue to go up by the same amount. This plot: shows that if your father had bought $20,000 in gold 30 years ago, then 10 years ago he would have slightly less than $20,000 to show for it. Compare that with the bubble i... |
11005 | Does keeping 'long-term' safety net in bonds make sense? | [
"343693",
"304804"
] | [
"\"The answer to your question depends very much on your definition of \"\"long-term\"\". Because let's make something clear: an investment horizon of three to six months is not long term. And you need to consider the length of time from when an \"\"emergency\"\" develops until you will need to tap into the money. ... |
11008 | Fund equalisation / dividend | [
"1034",
"39407"
] | [
"\"What you are describing is a very specific case of the more general principle of how dividend payments work. Broadly speaking, if you own common shares in a corporation, you are a part owner of that corporation; you have the right to a % of all of that corporation's assets. The value in having that right is ulti... |
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