question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
7723 | If throwing good money after bad is generally a bad idea, is throwing more money after good Ok? | [
"498075",
"548673",
"239714",
"505509",
"280626",
"8857"
] | [
"\"The response to this question will be different depending which of the investment philosophies you are using. Value investors look at the situation the company is in and try to determine what the company is worth and what it will be worth in the future. Then they look at the current stock price and decide wheth... |
7726 | Source of income: from dividends vs sale of principal or security | [
"248853",
"337941",
"387747"
] | [
"The trend in ETFs is total return: where the ETF automatically reinvests dividends. This philosophy is undoubtedly influenced by that trend. The rich and retired receive nearly all income from interest, dividends, and capital gains; therefore, one who receives income exclusively from dividends and capital gains m... |
7727 | Should I sell and rebuy stocks before the end of the year to trigger a gain and offset capital losses? | [
"474981"
] | [
"\"You have multiple issues buried within this question. First, we don't know your tax bracket. For my answer, I'll assume 25%. This simply means that in 2016, you'll have a taxable $37,650 or higher. The interesting thing is that losses and gains are treated differently. A 25%er's long term gain is taxed at 15%, ... |
773 | Transfering money from NRE account in India to family member | [
"157712"
] | [
"I am a US citizen and I want to transfer some amount 10 lakhs+ to my brother from my NRE account in India to his account. My brother is going to purchase something for his business. He is going to return my amount after 3-4 Months From the description it looks like you would like to loan to your brother on repatri... |
7730 | What is a good rental yield? | [
"361858",
"207815",
"348327",
"191006",
"521683",
"119247",
"23522"
] | [
"\"I've never heard of rent quoted per week. Are you in the US? In general, after the down payment, one would hope to take the rent, and be able to pay the mortgage, tax, insurance, and then have enough left each year to at least have a bit of emergency money for repairs. If one can start by actually pocketing mor... |
7731 | Selling stocks as LIFO or FIFO | [
"430718"
] | [
"\"According to the IRS, you must have written confirmation from your broker \"\"or other agent\"\" whenever you sell shares using a method other than FIFO: Specific share identification. If you adequately identify the shares you sold, you can use the adjusted basis of those particular shares to figure your g... |
7733 | How to get an ITIN if I don't have passport? | [
"589475"
] | [
"\"On the IRS site you can find a list of \"\"acceptance agents\"\" in your country. Talk to one of them, they'll deal with the IRS on your behalf. If you don't have any in your country, you can contact the big-4 accounting firms or any other agent elsewhere to provide you service. I'd suggest doing this through an... |
7736 | Turning 30 and making the right decision with my savings and purchasing home | [
"395099"
] | [
"\"I love the idea of #1, keep that going. I don't think #2 is very realistic. Given the short time frame putting money at risk for a higher yield may not work in your favor. If it was me, I'd stick to a \"\"high interest\"\" savings account (around 1%). I don't mind #3 either, however, I'd be socking whatever yo... |
7737 | What is the market rate of non-cash ISA fund administration fee in UK? | [
"346498"
] | [
"\"Is he affiliated with the company charging this fee? If so, 1% is great. For him. You are correct, this is way too high. Whatever tax benefit this account provides is negated over a sufficiently long period of time. you need a different plan, and perhaps, a different friend. I see the ISA is similar to the US Ro... |
7739 | Degiro Stocks & Shares Account for Minor | [
"313397"
] | [
"Get answers from your equivalent of the IRS, or a local lawyer or accountant who specializes in taxes. Any other answer you get here would be anectdotal at best. Never good to rely on legal or medical advice from internet strangers."
] |
7740 | How to learn about doing technical analysis? Any suggested programs or tools that teach it? | [
"377466",
"162884",
"442897",
"488546"
] | [
"\"A lot of investors prefer to start jumping into tools and figuring out from there, but I've always said that you should learn the theory before you go around applying it, so you can understand its shortcomings. A great starting point is Investopedia's Introduction to Technical Analysis. There you can read about... |
7741 | How can I report pump and dump scams? | [
"361205"
] | [
"Start with your local police department then move on to these sites. Fill out the United States Postal Service fraud complaint form http://ehome.uspis.gov/fcsexternal/ Contact your State Attorneys General. Your state Attorney General or local office of consumer protection is also listed in the government pages of... |
7742 | Would investing equally in all 30 companies which comprise the DJIA net the same performance as the DJIA? | [
"197970",
"243797"
] | [
"\"DJIA is a price weighted index (as in the amount of each component company is weighted by its price) and the constituents change occasionally (51 times so far). With these two effects you would not get anything like the same return by equally weighting your holdings and would have to rebalance every so often. No... |
7743 | When to use geometric vs. arithmetic mean? Why is the former better for percentages? | [
"101836",
"142265"
] | [
"Simple. Say in 2012 you were up 50% (brilliant) but then in 2013 you were down 50% (sorry). i.e. if you started with $1000, you were up to $1500, then down to $750. You lost $250 overall. If you were to compute the mean of the percentages using each method, then: Arithmetic mean: The average of +50% and -50% (rea... |
7745 | What happens to options if a company is acquired / bought out? | [
"186869",
"519781"
] | [
"A lot may depend on the nature of a buyout, sometimes it's is for stock and cash, sometimes just stock, or in the case of this google deal, all cash. Since that deal was used, we'll discuss what happens in a cash buyout. If the stock price goes high enough before the buyout date to put you in the money, pull the... |
7746 | Using GnuCash for accurate cost basis calculation for foreign investments (CAD primary currency) | [
"257258"
] | [
"You would need to use Trading Accounts. You can enable this, File->Properties->Account settings tab, and check Use Trading Accounts. For more details see the following site: http://wiki.gnucash.org/wiki/Trading_Accounts"
] |
7749 | Which field should I use for getting the income yield of this bond ETF? | [
"38586"
] | [
"What you want is the distribution yield, which is 2.65. You can see the yield on FT as well, which is listed as 2.64. The difference between the 2 values is likely to be due to different dates of updates. http://funds.ft.com/uk/Tearsheet/Summary?s=CORP:LSE:USD"
] |
7750 | What should I do with my $10K windfall, given these options? | [
"345428",
"154829",
"350112",
"217424",
"145383",
"90927",
"535963"
] | [
"I think you've got competition on that list for where to put the money - I'd work out which option is costing me the most currently or will cost me the most in the future and take care of it. I'd be willing to bet that Eric is right, though, that it will need to be the roof. Not fixing it could cost you more in th... |
7752 | FOK order type: can they be market or limit orders? | [
"482537",
"352965"
] | [
"\"The SEC reference document (PDF) explains order types in more detail. A fill-or-kill order is neither a market order nor a limit order; instead it's something in between. A market order asks to be filled at the best available price, whatever that price might be when the order gets to the exchange. Additionally,... |
7753 | Large orders and market manipulation | [
"313544"
] | [
"\"If you own a stake large enough to do that, you became regulated - under Section 13(d) of the 1934 Act and Regulation (in case of US stock) and you became regulated. Restricting you from \"\"shocking\"\" market. Another thing is that your broker will probably not allow you to execute order like that - directed M... |
7755 | Does VSMAX invest in smaller companies than FSEVX? | [
"472067"
] | [
"You are comparing apples and oranges: the charts show the capital appreciation excluding dividends. If you include dividends and calculate a total return over that period you see VSMAX up 132% vs. FSEVX up 129%, i.e. quite close. That residual difference is possibly due to a performance difference between the two ... |
7756 | Is an ITM option bought/sold to close in addition to being assigned? | [
"74839"
] | [
"The option is exercised. The option is converted into shares. That is an optional condition in closing that contract, hence why they are called options."
] |
7759 | Carry-forward of individual losses, with late-filed past taxes [US] | [
"199568",
"200914"
] | [
"The 2012 return was due 4/15/2013 (I'm assuming it didn't fall on a weekend). No late filing penalty if there was no tax due, but he has until 4/15/2016 to file for a refund or to document anything that should have carried forward.",
"Is Jim right to be worries? Yes, since the statute of limitations for refunds ... |
7760 | What is the best strategy for after hours trading? | [
"240744",
"16806"
] | [
"First you will need a plan stating three main points: You will have to decide what criteria you will use to answer these points. You might use Fundamental Analysis to find what to buy and Technical Analysis to decide when to buy and when to sell (your buy and sell triggers). Once you have a Trading Plan in place y... |
7762 | Does a withdrawal of $10000 for 1st home purchase count against Roth IRA basis? | [
"274888",
"58683"
] | [
"TL;DR: No, it doesn't count against the Roth IRA basis. You can find out by looking at Form 8606 Part III, which is the part for distributions from Roth IRA. Line 19 is the sum of nonqualified distributions, plus qualified first-time homebuyer distributions. You would put $10000 here. Then you would subtract $1000... |
7764 | Which first time Stocks and Shares ISA for UK, frequent trader UK markets? | [
"129466"
] | [
"I wouldn't only consider the entry/exit cost per trade. That's a good comparison page by the way. I would also consider the following. This depends if you are planning on using your online broker to provide all the information for you to trade. I have lower expectations of my online broker, not meant to be harsh o... |
7766 | Buy the open and set a 1% limit sell order | [
"125319",
"557599"
] | [
"Nothing is wrong and it should be profitable - but it sounds too good to be true. The devil is in the details and you have not described how you found those stocks. For example, you may have scanned the 500 stocks in the S&P 500, and you may have found a few that exhibit that pattern over a given time window. But ... |
7767 | Clarifications On PFIC Rules | [
"368938",
"501686"
] | [
"\"Answers: 1: No, Sections 1291-1298 of the IRC were passed in the Reagan adminstration. 2: Not only can a foreign company like a chocolate company fall afoul of the definition of PFIC because of the \"\"asset test\"\", which you cite, but it can also be called a PFIC because of the \"\"income test\"\". For examp... |
777 | Can a Zelle Bank Transfer be reversed or denied after credit has been added? | [
"15070"
] | [
"After collecting information via web searching, the comments above, and a additional call to BOA, i have concluded the following to the best of my knowledge. Zelle Transfers are final. Irreversible. As Jay mentioned above, funds are subtracted from the sending account before the transfer is made, therefore it elim... |
7770 | When to use a stop limit order over a stop order | [
"549344",
"347143"
] | [
"I would be using stop limit orders for stocks that are not too volatile. If you look at the chart and there are not many gaps especially after peaks, then you have more chance of being filled at your specified stop loss level using a stop limit order. If the stock is very volatile and has a large or many gaps down... |
7771 | US ISA equivalent for tax exempt investment & savings | [
"545184"
] | [
"As far as I know, there is no direct equivalent. An IRA is subject to many rules. Not only are there early withdrawal penalties, but the ability to deduct contributions to an IRA phases out with one's income level. Qualified withdrawals from an IRA won't have penalties, but they will be taxed as income. Contrib... |
7772 | How much is an asset producing $X/month is worth? | [
"311442"
] | [
"The simplest way is just to compute how much money you'd have to have invested elsewhere to provide a comparable return. For example, if you assume a safe interest rate of 2.3% per year, you would need to have about $520,000 to get $1,000/month."
] |
7773 | How does a typical vesting timeline work with respect to employer contributions? | [
"57534"
] | [
"There are two dates that matter for vesting in this situation: If you left the company on 12/31/16, you would be entitled to none of the company contributions. If you left on 1/1/17, you would be entitled to all $20k. This is sometimes known as a cliff vesting schedule. Some companies do a stair step - 20% after y... |
7774 | Investing small amounts at regular intervals while minimizing fees? | [
"443951",
"428502",
"214217",
"597699",
"34467",
"541054",
"15800"
] | [
"\"It is difficult to find investment banks that offer both low fees and low minimum investments. If you google around for \"\"no-fee low-minimum mutual funds\"\" you can find various articles with recommendations, such as this one. One fund they mention that looks promising is the Schwab Total Stock Market Index ... |
7776 | Is it a bad idea to invest a student loan? | [
"10873",
"573039",
"243397"
] | [
"\"This answer is better served as a comment but I don't have enough rep. It is not guaranteed that they 'do not accrue interest while you are a full time student'. Some student loans can capitalize the interest - before pursuing leveraged investing, be sure that your student loan is not capitalizing. https://www.... |
7778 | I have a horrible 401k plan, with high expenses. Should I stay with it or move my money elsewhere? | [
"506302",
"389202",
"505943"
] | [
"2%? I would put in just what it takes to share in the profit sharing, not a dime more. My S&P fund cost is .02% (edited, as it dropped to .02 since original post), 1/100 of the cost of most funds you list. Doesn't take too many years of this fee to negate the potential tax savings, and not many more to make this a... |
7779 | Shares - Query about RSI (Relative Strength Index) | [
"142146"
] | [
"Well that will depend on the time frame you are looking at it. You can't compare the RSI on a five minute chart to the RSI on a daily chart. The minute chart would represent the momentum of very small trends whilst the daily chart would represent the momentum of much larger trends. On the daily chart the shares mi... |
778 | Setting up a LLC for two partners in different states, what should we look into? | [
"234510"
] | [
"\"TL;DR: Get a tax adviser (EA/CPA licensed in your State) for tax issues, and a lawyer for the Operating Agreement, labor law and contract related issues. Some things are not suitable for DIY unless you know exactly what you're doing. We both do freelance work currently just through our personal names. What kin... |
7780 | How does the US Estate Tax affect an Australian with investments domiciled in the US? | [
"108081"
] | [
"I don't think the location of the funds is any of your concern. You're buying a CDI, which is: Australian financial instruments The US has no jurisdiction over you, being you an Australian, so unless you own a US-based asset (i.e.: a real-estate in the US, or a US brokerage account), US tax laws shouldn't matter t... |
7781 | Deriving the put-call parity | [
"251190"
] | [
"Think of it this way: C + (-P) = forward contract. Work it out from there. Anyways, this stack is meant for professionals, not students, I think."
] |
7782 | What happens to a company when it issues preference shares? | [
"186643"
] | [
"In most cases , preferential sharesholders are paid dividends first before common shareholders are paid . In the event of a company bankruptcy , preferential shareholders have the right to be paid first before common shareholders. In exchange for these benefits , preferential shareholders do not have any voting ri... |
7785 | Indian equivalent of Vanguard S&P 500 | [
"27930"
] | [
"Also, when they mean SP500 fund - it means that fund which invests in the top 500 companies in the SP Index, is my understanding correct? Yes that is right. In reality they may not be able to invest in all 500 companies in same proportion, but is reflective of the composition. I wanted to know whether India also h... |
7786 | What is the US tax owed when gifting India Shares to my brother? | [
"100128"
] | [
"Here's an excerpt from the Charles Schwab website which I think will help evaluate your position: The simple answer to your question is no, the value of a gift of stock for gift tax liability is NOT the donor's cost basis, but rather the fair market value of the stock at the time the gift is given. So let's ... |
7789 | Mutual fund capital gain on my 1099-DIV : no cost basis? | [
"251394"
] | [
"The capital gain is either short-term or long-term and will be indicated on the 1099-DiV. You pay taxes on this amount as the capital gain was received in a taxable account (assuming since you received a 1099-DIV). More info here: https://www.mutualfundstore.com/brokerage-account/capital-gains-distributions-taxabl... |
7790 | Is compounding interest on investments a myth? | [
"471668",
"170704",
"581776",
"558382"
] | [
"\"The S&P 500 index from 1974 to present certainly looks exponential to me (1974 is the earliest data Google has). If you read Jeremy Siegel's book there are 200 year stock graphs and the exponential nature of returns on stocks is even more evident. This graph only shows the index value and does not include the ... |
7791 | Do the proceeds from selling an option immediately convert to buying power in a margin account? | [
"364588",
"545146"
] | [
"\"Yes. I heard back from a couple brokerages that gave detailed responses. Specifically: In a Margin account, there are no SEC trade settlement rules, which means there is no risk of any free ride violations. The SEC has a FAQ page on free-riding, which states that it applies specifically to cash accounts. This l... |
7792 | What does it mean to invest in potatoes? | [
"326534",
"94408"
] | [
"\"In order for a commodity to be offered as a future, the exact specifications must be specified by the exchange. This includes not only the particular grade, strain, etc (depending on what we are talking about) but also the exact delivery location (otherwise transportation costs is an issue as you noticed). Once... |
7793 | Can you sell stocks/commodities for any price you wish (either direct or market)? | [
"96807",
"265277",
"322798"
] | [
"\"You answered your own question \"\"whether someone buys is a different thing\"\". You can ask any price that you want. (Or given an electronic brokerage, you can enter the highest value that the system was designed to accept.) The market (demand) will determine whether anyone will buy at the price you are asking... |
7794 | What's best investment option? Mutual fund or Property [duplicate] | [
"572451"
] | [
""
] |
7795 | How to bet against IPOs? | [
"410404"
] | [
"There are 2 primary ways to bet against a stock if you think it will decline. The first is to short sell shares of that stock the second is to buy put options (I would also add that selling naked call options would also be a bet against but I don't believe that is as common as the other 2 mentioned methods). The p... |
7796 | Do new automobiles typically release in low numbers? | [
"381400"
] | [
"Do new automobiles typically release in low numbers? and later you say The car released 2 days ago. I called around and discovered local dealers only have ~10 2018's total for all trims. So you are calling local dealers and they have ten after two days. Let's say you are in New York City, population eight millio... |
7797 | What price can *I* buy IPO shares for? | [
"25195",
"553896",
"529402"
] | [
"\"If you participate in an IPO, you specify how many shares you're willing to buy and the maximum price you're willing to pay. All the investors who are actually sold the shares get them at the same price, and the entity managing the IPO will generally try to sell the shares for the highest price they can get. Whe... |
78 | How to record business income tax paid, in QuickBooks? | [
"152407"
] | [
"Federal income taxes are indeed expenses, they're just not DEDUCTIBLE expenses on your 1120. Federal Income Tax Expense is usually a subcategory under Taxes. This is one of the items that will be a book-to-tax difference on Schedule M-1. I am presuming you are talking about a C corporation, as an S corporation is ... |
7800 | Right account for local purchases, loan EMI, and investments | [
"429271"
] | [
"What is the best and most economical way for me to pay the loan EMIs directly? (whether from a Singapore account or a NRE/NRO account) It is advisable to have it via the NRE account as this would be easier. If you already have funds in NRO account, you can use that before you use the funds from NRE account. For al... |
7802 | Retirement planning 401(k), IRA, pension, student loans | [
"182305",
"551145",
"267998"
] | [
"You asked specifically about the ROTH IRA option and stated you want to get the most bang for your buck in retirement. While others have pointed out the benefits of a tax deduction due to using a Traditional IRA instead, I haven't seen anyone point out some of the other differences between ROTH and Traditional, s... |
7804 | How should I begin investing real money as a student? | [
"18855",
"41926",
"355341",
"444946"
] | [
"\"Without knowing what you are trying to achieve - make a bit of pocket money, become financially independent, invest for retirement, learn trading to become a trader - I'll give you a few thoughts ... The difficulty you will have trading with $400-600 is that brokerage will be a high proportion of your \"\"profi... |
7805 | Retirement Savings vs. Student Loan payments | [
"52136",
"262680"
] | [
"You can play with the numbers all you like (and that's good), however, here is a different way to look at it. The debt you have is risk. It limits your choices and eats your cash flow. Without the debt, you can invest at a much greater rate. It frees up you cash flow for all the things you might want to do, or de... |
7806 | What is the best resource for determining a specific age-based asset allocation? | [
"178438"
] | [
"Look into the asset allocations of lifecycle funds offered by a company like Vanguard. This page allows you to select your current age and find a fund based on that. You could pick a fund, like the Target Retirement 2055 Fund (ages 21-25), and examine its allocation in the Portfolio & Management tab. For this fund... |
7807 | Margin Call Question | [
"109561"
] | [
"The initial position is worth 40000. You post 50% margin, so you deposited 20000 and borrowed 20000. 6% of 20000 is 1200."
] |
7808 | Does investing more money into stocks increase chances of profit? | [
"410822",
"253028",
"33291"
] | [
"I think you are mixing up the likelihood of making a profit with the amount of profit. The likelyhood of profit will be the same, because if you buy $100 worth of shares and the price moves up you will make a profit. If you instead bought $1000 worth of the same shares at the same price and the price moved up you ... |
781 | What are the procedures or forms for a private loan with the sale of a vehicle? | [
"163348",
"40967"
] | [
"The Nebraska DMV web site has a neat page about this. It seems to be fairly simple, and not costly to record a lien and later release it. Just go there with the title and the sales agreement that details the terms, and pay the $7 fee.",
"Draft up a promissory notes. Have a lawyer do it use one of those online c... |
7810 | Employer reported ESPP ordinary income on wrong year's W-2 | [
"524708",
"179398"
] | [
"Based on the statement in your question you think it should have been on the 2014 W-2 but it was included on the 2015 W-2. If you are correct, then you are asking them to correct two w-2 forms: the 2014 form and the 2015 form. You will also have to file form 1040-x for 2014 to correct last years tax forms. You wil... |
7811 | Why I cannot buy at ask price? | [
"20378"
] | [
"The price is moving higher so by the time you enter your order and press buy, a new buyer has already come in at that time and taken out the lowest ask price. So you end up chasing the market as the prices keep moving higher. The solution: if you really want to be sure that you buy it and don't want to keep chasin... |
7813 | Where do expense ratios show up on my statement? | [
"56894",
"236036"
] | [
"I don't think that you'll notice a difference in the NAV in a fund with fees that are low as the Vanguard Total Stock Market Fund. Their management fees are incorporated into the NAV, but keep in mind that the fund has a total of $144 billion in assets, with $66 billion in the investor class. The actual fees repre... |
7815 | Analyze a security using Benjamin Graham's Defensive Investor Criteria | [
"278369"
] | [
"\"Everything you are doing is fine. Here are a few practical notes in performing this analysis: Find all the primary filing information on EDGAR. For NYSE:MEI, you can use https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000065270&type=10-K&dateb=&owner=exclude&count=40 This is the original 10-K. To... |
7817 | Can you have a positive return with a balance below cost basis? | [
"31330"
] | [
"Have you owned the stock for longer than 2015? The stock appears to have grown in value since December 2014 from 72.85 to 73.5 which is about 0.89% growth in the year to date (2015)."
] |
782 | What is the point of owning a stock without dividends if it cannot be resold? | [
"400497",
"353909"
] | [
"Shares often come associated with a set of rights, such as ability to vote in the outcome of the company. Some shares do not have this right, however. With your ability to vote in the outcome of the company, you could help dictate that the company paid dividends at a point in time. Or many other varieties of outco... |
7821 | Margin account: how to calculate the stock price that might trigger a liquidation of positions? | [
"205070"
] | [
"Thanks to this youtube video I think I understood the required calculation. Based on following notation: then the formula to find x is: I found afterwards an example on IB site (click on the link 'How to Determine the Last Stock Price Before We Begin to Liquidate the Position') that corroborate the formula above."... |
7822 | Short term cutting losses in a long term investment | [
"14543",
"145458",
"483394"
] | [
"What you are suggesting would be the correct strategy, if you knew exactly when the market was going to go back up. This is called market timing. Since it has been shown that no one can do this consistently, the best strategy is to just keep your money where it is. The market tends to make large jumps, especiall... |
7825 | How can it be possible that only ~10% of options expire worthless, and only ~10% are exercised? | [
"393134",
"313135"
] | [
"\"Consider the futures market. Traders buy and sell gold futures, but very few contracts, relatively speaking, result in delivery. The contracts are sold, and \"\"Open interest\"\" dwindles to near zero most months as the final date approaches. The seller buys back his short position, the buyer sells off his longs... |
7827 | Getting a USD cheque, without too many fees, and with a sensible exchange rate? | [
"377357"
] | [
"\"UPDATE: Unfortunately Citibank have removed the \"\"standard\"\" account option and you have to choose the \"\"plus\"\" account, which requires a minimum monthly deposit of 1800 sterling and two direct debits. Absolutely there is. I would highly recommend Citibank's Plus Current Account. It's a completely free... |
7828 | What is good growth? | [
"353657",
"303186",
"237316",
"154450"
] | [
"If your question is truly just What is good growth? Is there a target return that's accepted as good? I assumed 8% (plus transaction fees). Then I'd have to point out that the S&P has offered a CAGR of 9.77% since 1900. You can buy an S&P ETF for .05%/yr expense. If your goal is to lag the S&P by 1.7%/yr over t... |
7829 | Can my accounting for Tax Basis differ from my broker's | [
"424641"
] | [
"No. If you didn't specify LIFO on account or sell by specifying the shares you wish sold, then the brokers method applies. From Publication 551 Identifying stock or bonds sold. If you can adequately identify the shares of stock or the bonds you sold, their basis is the cost or other basis of the particular ... |
783 | Does setting up a company for your own improves credibility? | [
"204554"
] | [
"The key here is that you are defacto running your own company no matter if you acknowledge it or not. In the end these questions have the goal of deciding if you can and will repay the loan. Presumably you filed taxes on your income. These can be shown to the loan officer as proof you have the ability to repay ... |
7830 | Do marketmakers always quote a bid and ask simultaneously | [
"112714",
"558566"
] | [
"\"Market makers (shortened MM) in an exchange are generally required to list both a bid and ask price to allow both buyers and sellers to trade and keep the market moving. However, a more general idea of a MM may includes companies off an exchange (say large banks acting as broker/dealers in an over-the-counter m... |
7832 | What's so hard about a mutual fund manager pricing their mutual fund? | [
"480489",
"343594"
] | [
"Given that a mutual fund manager knows, at the end of the day, precisely how many shares/units/whatever of each investment (stock, equity, etc.) they own, plus their bank balance, It is calculating this given. There are multiple orders that a fund manager requests for execution, some get settled [i.e. get convert... |
7833 | Early Exercise and 83(b) Election | [
"193717",
"12034"
] | [
"\"You mention \"\"early exercise\"\" in your title, but you seem to misunderstand what early exercise really means. Some companies offer stock options that vest over a number of years, but which can be exercised before they are vested. That is early exercise. You have vested stock options, so early exercise is not... |
7835 | Help me understand Forex in Interactive Brokers | [
"159417"
] | [
"You're confusing open positions and account balance. Your position in GBP is 1000, that's what you've bought. You then used some of it to buy something else, but to the broker you still have an open position of 1000 GBP. They will only close it when you give them the 1000GBP back. What you do with it until then is... |
7836 | What do do with traditional IRA if I'm maxing out contributions to employer 401k and want to open a Roth | [
"48203"
] | [
"You have many options, and there is no one-size-fits-all recommendation. You can contribute to your IRA in addition to your 401(k), but because you have that 401(k), it is not tax-deductable. So there is little advantage in putting money in the IRA compared to saving it in a personal investment account, where you ... |
7837 | RSU Tax Implications of 83(b) Election | [
"250500"
] | [
"I can make that election to pay taxes now (even though they aren't vested) based on the dollar value at the time they are granted? That is correct. You must file the election with the IRS within 30 days after the grant (and then attach a copy to that year's tax return). would I not pay any taxes on the gains becau... |
784 | How to account for startup costs for an LLC from personal money? | [
"229436",
"237760",
"203446",
"297841",
"334603",
"389516"
] | [
"Typically you give a loan to the company from yourself as a private person, and when the company makes money the company pays it back to you. Then the company pays for all the expenses with the money from the loan. Even if you don't want a business account yet, you can probably ask your bank for a second account ... |
7840 | Against what income are broker fees deducted? | [
"100009"
] | [
"\"You don't \"\"deduct\"\" transaction fees, but they are included in your cost basis and proceeds, which will affect the amount of gain/loss you report. So in your example, the cost basis for each of the two lots is $15 (10$ share price plus $5 broker fee). Your proceeds for each lot are $27.50 (($30*2 - $5 )/2)... |
7842 | Investment options | [
"349621",
"579848"
] | [
"\"Option 1 is out. There are no \"\"safe returns\"\" that make much money. Besides, if a correction does come along how will you know when to invest? There is no signal that says when the bottom is reached, and you emotions could keep you from acting. Option 2 (dollar cost averaging) is prudent and comforting. The... |
7843 | Swap hedging a currency hedge | [
"499333"
] | [
"I decided to try this in order to get a feel of it. As far as the interest rates are concerned, it works. You can set it up and forget about holding time as long as the rates and positions stay within a range. The problem is that currency volatility turns the interest paid for shorting USD/JPY into noise at best. ... |
7844 | Do I need to be proactive about telling the tax man (HMRC) I earn more than the child benefit threshold? | [
"577126"
] | [
"unregister for child benefit but apparently If I do that then my wife will stop getting the automatic national insurance stamp each year and will lose years of state pension You probably got this wrong according to Citizen's Advice. You can choose not to receive any Child Benefit, if you don't want to pay the extr... |
7846 | Does a rescheduled conference call generally mean “something's wrong” with a company? | [
"527470",
"115772"
] | [
"Does the market automatically assume a rescheduled call means something major, like the auditors aren't signing the financials, is going on? Yes. (If so, why?) People - including investors - are emotional. And suspicious. And paranoid. Financial discussions tend to make everything sound like a cold, clinical scien... |
7849 | Should I worry too much about saving my 20% down before buying my first house? | [
"487593"
] | [
"The only problem that I see is that by not giving the 20% right away, you might need to pay PMI for a few months. In addition, in the case of conventional loans, I heard that banks will not remove the PMI after reaching 80% LTV without doing an appraisal. In order to be removed automatically, you need to reach 78%... |
785 | What should I do with my freshly opened LLC in California after I've moved? | [
"474974"
] | [
"There's no reason to keep the California LLC if you don't intend to do business in California. If you'll have sales in California then you'll need to keep it and file taxes accordingly for those sales. You can just as easily form a new LLC in Washington state and even keep the same name (if it's available in Was... |
7850 | Basic mutual fund investment questions | [
"578314",
"586851",
"81652"
] | [
"\"You asked 3 questions here. It's best to keep them separate as these are pretty distinct, different answers, and each might already have a good detailed answer and so might be subject to \"\"closed as duplicate of...\"\" That said, I'll address the JAGLX question (1). It's not an apples to apples comparison. Thi... |
7851 | Should I wait to save up 20% downpayment on a 500k condo? | [
"497075",
"107660",
"215103",
"388160"
] | [
"I'm of the belief that you should always put 20% down. The lower interest rate will save you thousands over the life of the loan. Also PMI is no different then burning that much cash in the fireplace every month. From Wikipedia Lenders Mortgage Insurance (LMI), also known as Private mortgage insurance (PMI) in t... |
7854 | Is there a sell-side version of dollar-cost averaging? | [
"536647"
] | [
"None of your options or strategies are ideal. Have you considered looking at the stock chart and making a decision? Is the price currently up-trending, or is it down-trending, or is it going sideways? As Knuckle Dragger mentions, you could just set a limit price order and if it does not hit by Friday you can just ... |
7855 | I want to invest and save for my house downpayment at the same time | [
"25877"
] | [
"Yes you should invest; and yes you should save for the house down payment. These should be two separate pools of money and the goals and time frames for them are different. With a 3 year time frame for the down payment on the house, the risk you should accept should be essentially zero. That means it is less of an... |
7856 | Is short selling a good hedging strategy during overzealous market conditions? | [
"12542",
"172338",
"581423",
"459494",
"358586",
"516445"
] | [
"Short selling can be a good strategy to hedge, but you have almost unlimited downside. If a stock price skyrockets, you may be forced to cover your short by the brokerage before you want to or put up more capital. A smarter strategy to hedge, that limits your potential downside is to buy puts if you think the mar... |
7857 | Can I sell my ESPP in a different order than I acquired it, to avoid paying too much tax on profits? | [
"388819"
] | [
"That's up to you. If you instruct your broker to sell shares purchased in specific lots, they can do that -- but doing so requires that you and/or they track specific fractional lots forever afterwards so you know what is still there to be sold. FIFO simplifies the bookkeeping. And I am not convinced selecting spe... |
7859 | What's a good option for passive income for a college student? | [
"292991",
"513016"
] | [
"As mentioned in the other answer, you can't invest all of your money in one slightly risky place, and to receive a significant return on your investment, you must take on a reasonable amount of risk, and must manage that risk by diversifying your portfolio of investments. Unfortunately, answers to this question wi... |
7860 | Aggressive Mortgage Repayment | [
"231720"
] | [
"It is great that you came up with a plan to own a rental home, free and clear, and also move up in home. It is also really good of you to recognize that curtailing spending has a profound effect on your net worth, many people fail to acknowledge that factoid and prefer to instead blame things outside their contro... |
7862 | What could be the best tax saving option before a month of financial year end | [
"2040"
] | [
"I was thinking to do mix of ELSS and Tax Saving FDs. But is my choice correct? Also what other options I am left with? This depends on individual's choice and risk appetite. Generally at younger age, investment in ELSS / PPF is advisable. Other options are Life Insurance, Retirement Plans by Mutual Funds, NSC, etc... |
7863 | Calculating profits for a private fund | [
"153491",
"42390",
"71399"
] | [
"Thanks for the answer/comments! The time-based method was something we mooted and something I almost went with. But just to wrap this up, the method we settled on was this: Every time there is an entry or exit into the fund, we divvy out any unrealised market profits/losses according to each person's profit share ... |
7865 | Dividends - Why the push to reinvest? | [
"105781",
"526259",
"533549",
"205870",
"348922"
] | [
"\"A dividend is a cash disbursement from the company. The value of the company goes down the same amount of the dividend, so it is analogous to having money in a savings account and taking a withdrawal every month. Obviously you are going to have less in the end than if you just kept the money in the account. su... |
7866 | Estimated Tax on Unplanned Capital Gains | [
"423171",
"267466"
] | [
"I'm assuming your talking USA. There are two ways to look. If you know you should pay on the cap gains, the best way to handle that separately from your salary is to file a quarterly tax payment. That, I understand, is what the self-employed have to do. I'm in the situation where at some point, probably this year... |
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