question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
7868 | Starting an investment portfolio | [
"298985"
] | [
"\"Is this amount an adequate starting amount to begin investing with? Yes. You can open an account at a brokerage with this amount. I'm not sure I would invest in individual stocks at this point. Which services should I use to start buying shares? (Currently my bank offers this service but I'm willing to use other... |
7869 | Options revisited: Gold fever | [
"69395",
"399952",
"551811",
"184557"
] | [
"\"Your plan already answers your own question in the best possible way: If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option. Ther... |
787 | Should I use an NRE or NRO account to transfer money from India to the US? Any reports needed? | [
"347151",
"559553"
] | [
"Deposits into NRE account can only be done from funds outside India. So your brother cannot deposit into your NRE account. He can deposit in NRO account or directly wire transfer the funds. Both these require some paper work depending on the amount.",
"NRE is better. It's a tax free account, exempt from income ... |
7872 | Methods for forecasting price? | [
"44917",
"538258",
"74576"
] | [
"\"Assuming a price is set on an free market there are particular difficulties to pricing. A free market is one where the price is entirely determined by the willingness of people to buy and sell at a particular price point. What you perceive as price, is actually the \"\"tick\"\", i.e. the quote of the last transa... |
7873 | Withholding for unexpected Short-Term Capital Gains and Penalties | [
"448589",
"338170",
"11454"
] | [
"The safe harbor provision is based on the tax you or the prior year. So in 2016 this helped you as your tax was substantially increased from 2015. However, by the same token in 2017 your safe harbor amount is going to be very high. Therefore if 2017 is similar you will owe penalties. The solution here is to make e... |
7877 | How does a financial advisor choose debt funds and equity funds for us? | [
"36679",
"88345"
] | [
"\"There are raters of stock and bond funds of which Morningstar's is the best. Standard and Poor's and Value line offer reports that aren't quite as good. If you are able to read and understand these reports yourself, you don't need a professional. Such help is necessary for people who are \"\"rank beginners\"\" i... |
7878 | Are stocks suitable for mid term money storage? | [
"235972",
"477092"
] | [
"\"You have several options depending on your tolerance for risk. Certainly open an investment account with your bank or through any of the popular discount brokerage services. Then take however much money you're willing to invest and start earning some returns! You can split up the money into various investments, ... |
788 | What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer? | [
"125827",
"469383",
"519353",
"52445"
] | [
"When you initiate a chargeback, the merchant has the right to dispute the chargeback. If they can provide proof that the purchase actually took place, the chargeback will fail. We don't know all the details of your situation, of course, but it appears from what you have said that the tax chain probably has docume... |
7882 | How are option contracts enforced? | [
"374331"
] | [
"\"By their agreements with the central counterparty - in the US, the exchange or the Options Clearing Corporation, which interposes itself between the counterparties of each trade and guarantees that they settle. From the CCP article: A clearing house stands between two clearing firms (also known as member firms o... |
7883 | Can I use stop limit orders on vanguard orders to prevent loss? | [
"483025"
] | [
"\"You've laid out a strategy for deciding that the top of the market has passed and then realizing some gains before the market drops too far. Regardless of whether this strategy is good at accomplishing its goal, it cannot by itself maximize your long-term profits unless you have a similar strategy for deciding ... |
7884 | How to amend an amended return? | [
"532656"
] | [
"File a 2nd amended return that corrects the mistake I made on the 1st amended return This. Pay the $500 before April 27th and try to get it back later This."
] |
7885 | Can I resubmit W8-BEN with W9 form? | [
"198532"
] | [
"Since you're a US citizen, submitting W8-BEN was wrong. If you read the form carefully, when you signed it you certified that you are not a US citizen, which is a lie and you knew it. W9 and W8 are mutually exclusive. You're either a US person for tax purposes or you're not, you cannot be both. As a US citizen - y... |
7887 | Military Separation | [
"388826",
"3893"
] | [
"It's not usually a good idea to buy a house as an investment. Buy a house because you want the house, not for an investment. Your money will make more money invested somewhere other than a house. Additionally, based on talking about renting rooms to pay the mortgage and the GI bill, I assume you are planning on go... |
789 | Corporate Equity Draw vs Income | [
"147358"
] | [
"You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you call them. You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Cor... |
7891 | Should I change 401k investment options to prepare for rising interest rates? | [
"34688",
"209125",
"309913"
] | [
"\"The bond funds should tell you their duration. My 401(k) has similar choices, and right now, I'm at the short maturity, i.e. under 1 year. The current return is awful, but better than the drop the longer term funds will experience as rates come back up. Not quite mathematically correct, but close enough, \"\"du... |
7894 | Calculating a simply complicated return? | [
"220025"
] | [
"Since you have the balance at equal periods and the cash flows at the period ends, the best return calculation in this case is the true time-weighted return. See http://en.wikipedia.org/wiki/Time-weighted_return#Formulae So, notwithstanding some ambiguity about your figures, here is a calculation using the first ... |
7895 | From Facebook's perspective, was the fall in price after IPO actually an indication that it went well? | [
"35252",
"7593",
"545558",
"451898"
] | [
"You are right that Facebook really doesn't get impacted as they got their $38. However it would make it slightly more difficult for Facebook to raise more money in future as large investors would be more cautious. This can keep the price lowers than it actually needs to be. Quite a few companies try to list the IP... |
7896 | Why would you sell your bonds? | [
"490620",
"535518"
] | [
"You sell any investment because you need to do something else with the money -- rebalance your investments, buy something, pay off a debt....",
"\"Investment strategies abound. Bonds can be part of useful passive investment strategy but more active investors may develop a good number of reasons why buying and se... |
7897 | How much time should be spent on Penny Stocks Trading a day? | [
"258227",
"38510"
] | [
"How long is a piece of string? This will depend on many variables. How many trades will you make in a day? What income would you be expecting to make? What expectancy do you need to achieve? Which markets you will choose to trade? Your first step should be to develop a Trading Plan, then develop your trading rul... |
790 | What happens if a bank no longer use an intermediary bank? | [
"199808"
] | [
"If your counterparty sent money to a correspondent account at another bank, then it is completely up to the other bank what to do with the money. If the wire transfer completed, then the account is not closed. If I were your business partner, I would immediately contact the bank to which the transfer was made and ... |
7900 | How does the futures market affect the stock market? | [
"414088"
] | [
"Can someone please explain how traders and investors use this price difference to trade? People use the price difference for small arbitrage between the futures and spot markets, where the larger spreads are reflected in the options markets. The spread in the options market dictates the VIX which many investors al... |
7903 | Is it possible for all the owners of a stock to gain or lose money at the same time? | [
"63971",
"392481",
"64213"
] | [
"I'm not sure I understand your question. If the stock price is at an all-time high, everyone who owns the stock is 'in the money'. Of course, they won't actually realise a capital gain until they sell the stock. Similarly, if the stock becomes worthless (the company shuts down after declaring bankruptcy, etc.), ev... |
7904 | Did an additional $32 billion necessarily get invested into Amazon.com stock on October 26th, 2017? | [
"192600",
"177424",
"135216",
"515738"
] | [
"Stock A last traded at $100. Stock A has 1 million shares outstanding. No seller is willing to sell Stock A for less than $110 a share. One buyer is willing to buy 1 share for $110. The order executes. The buyer pays the seller $110. Stock A's new price is $110. An $110 investment increased the market cap by $10 m... |
7905 | New to options trading and need help understanding an options spread risk graph. What am I missing? | [
"457422",
"444854"
] | [
"\"Suppose the stock is $41 at expiry. The graph says I will lose money. I think I paid $37.20 for (net debit) at this price. I would make money, not lose. What am I missing? The `net debit' doesn't have anything to do with your P/L graph. Your graph is also showing your profit and loss for NOW and only one expirat... |
7906 | How to maximise savings? | [
"350145"
] | [
"First: it sounds like you are already making wise choices with your cash surplus. You've looked for ways to keep that growing ahead of inflation and you have made use of tax shelters. So for the rest of this answer I am going to assume you have between 3-6 months expenses already saved up as a “rainy day fund” and... |
7907 | Understanding the synthetic long put option | [
"232880"
] | [
"A long put - you have a small initial cost (the option premium) but profit as the stock goes down. You have no additional risk if the shock rises, even a lot. Short a stock - you gain if the stock drops, but have unlimited risk if it rises, the call mitigates this, by capping that rising stock risk. The profit/los... |
7909 | Will progressively investing with moderate-to-high risk help secure a future? | [
"527786",
"21620"
] | [
"There are a few flaws in your reasoning: I know my portfolio will always keep going up, No, it won't. You'll have periods of losses. You are starting your investing in a bull market. Do NOT be fooled into believing that your successes now will continue indefinitely. The more risky your portfolio, the bigger the... |
791 | How quickly will the funds be available when depositing credit card checks? | [
"521070"
] | [
"For those who don't know, credit card checks are blank checks that your credit card company sends you. When you fill them out and spend them, you are taking a cash advance on your credit card account. You should be aware that taking a cash advance on your credit card normally has extra fees and finance charges a... |
7910 | How trading in currency pair works, underlying techniques and mechanisms | [
"195506"
] | [
"\"Without going into minor details, an FX transaction works essentially like this. Let's assume you have SEK 100 on your account. If you buy 100 USD/RUB at 1.00, then that transaction creates a positive cash balance on your account of USD 100 and a negative cash balance (an overdraft) of RUB 100. So right after th... |
7917 | What does “100% stock dividend” mean? | [
"51066",
"390725"
] | [
"\"A 100% stock dividend means that you get one share of the \"\"stock dividend\"\" for every share you own. For example, Google did this in 2014 when they gave all of their Class A shareholders one class C share for every Class A that they owned. If the 100% stock dividend is for the exactly the same stock, it is ... |
7918 | Small withdrawals from IRA | [
"513392",
"559324",
"523521"
] | [
"Yes, it really will hurt you to keep pulling your money from your IRA. Your best bet is to set up a payment plan with the IRS, and pay the taxes you owe now, as well as adjust your withholding (with a new W-4 to your payroll department) so that you don't have a large tax liability next year. These tax advantaged p... |
792 | Are credit cards not viewed as credit until you miss one payment? | [
"482932",
"206267",
"502748",
"283490",
"201447",
"143844",
"453074"
] | [
"K, welcome to Money.SE. You knew enough to add good tags to the question. Now, you should search on the dozens of questions with those tags to understand (in less than an hour) far more than that banker knows about credit and credit scores. My advice is first, never miss a payment. Ever. The advice your father p... |
7921 | My Brokerage statement shows “Adjusted due to previous wash sale disallowed loss” what does this mean? | [
"232540",
"152960"
] | [
"Well it would appear that you had a wash sale that canceled out a loss position. Without seeing the entire report, I couldn't tell you exactly what was happening or how you triggered § 1091. But just from the excerpted images, it appears as though your purchase of stock was layered into multiple tranches - perha... |
7924 | Micro-investing: How to effectively invest frequent small amounts of money in equities? | [
"413856",
"102119",
"176489"
] | [
"In terms of building the initial investment using some kind of mutual fund, I'd suggest you see my answer to this similar question https://money.stackexchange.com/questions/9943/cheapest-or-free-online-broker-for-beginner For buying individual stocks later, you could look at sharebuilder, or a low cost broker, how... |
7927 | What does the -V indicate on MKC ticker | [
"573958"
] | [
"MKC is non-voting stock, MKC/V is voting stock. Ofter times you'll see two or more stock symbols for a company. These usually reflect different classes of stocks. For example, voting vs. non-voting (as in this case) or preferred vs non-preferred stock."
] |
793 | Who buys variable annuities? | [
"460608",
"580561",
"83238",
"19224"
] | [
"\"An annuity makes sense in a few different scenarios: In general, they are not the best deal around (and are often ripoffs), and will almost certainly be a bad deal if pitched by a tax preparer, insurance salesman, etc. Keep in mind that any \"\"guarantees\"\" offered are guarantees made by an insurance company.... |
7932 | What capital gains taxes do I owe on stock sales in India? | [
"526661"
] | [
"\"Long term: Assuming you sold stock ABC through a registered stock exchange, e.g., the Bombay Stock Exchange or the National Stock Exchange of India, and you paid the Securities Transaction Tax (STT), you don't owe any other taxes on the long term capital gain of INR 100. If you buy stock BCD afterwards, this doe... |
7933 | Is it a wise decision to sell my ESPP stock based on this situation? | [
"246221",
"481283"
] | [
"ESPP tax treatment is complicated. If you received a discount on the purchase of your stock, that discount is taxable as ordinary income when you sell the stock. Any profit about the market value when the stock was purchased is taxed based upon the holding period of the stock. If you have held the stock less tha... |
7934 | Why might it be a bad idea to invest 100% of your 401(k) into a stock index fund? | [
"247051",
"418003"
] | [
"At your age, I don't think its a bad idea to invest entirely in stocks. The concern with stocks is their volatility, and at 40+ years from retirement, volatility does not concern you. Just remember that if you ever want to call upon your 401(k) for anything other than retirement, such as a down payment on a home (... |
7937 | Is there a difference between buying few shares of an expensive stock vs many shares of an inexpensive one? | [
"503981",
"524940"
] | [
"\"Before the prevalence of electronic trading, trading stocks was very costly, dropping from ~15c in the late 1970s to less than a nickel per share today. Exchange fees for liquidity takers are ~0.3c per share, currently. When orders were negotiated exclusively by humans, stocks used to be quoted in fractions rat... |
7939 | Is it possible to physically own a share certificate in a company? | [
"58875",
"142735"
] | [
"\"Yes, this is possible with some companies. When you buy shares of stock through a stock broker, the shares are kept in \"\"street name.\"\" That means that the shares are registered to the broker, not to you. That makes it easy to sell the stock later. The stock broker keeps track of who actually owns which s... |
794 | Why does AAPL trade at such low multiples? | [
"427338",
"242439"
] | [
"This is also an opinion, the iPhone makes up too much of the company's total revenue. Last quarter results were very well received because of the somewhat dramatic increase in service revenue indicating that maybe the company can shift from relying so heavily on the iPhone. As it stands, Apple is a single produc... |
7940 | What can I take from learning that a company's directors are buying or selling shares? | [
"18675",
"365704",
"61227",
"432104"
] | [
"\"It is not clear when you mean \"\"company's directors\"\" are they also majority owners. There are several reasons for Buy; Similarly there are enough reasons for sell; Quite often the exact reasons for Buy or Sell are not known and hence blindly following that strategy is not useful. It can be one of the ... |
7941 | Is my stock gone forever from a reverse split / bought by another company? | [
"159439",
"229707"
] | [
"GT BIOPHARMA, INC. ANNOUNCES REVERSE STOCK SPILT AS PART OF OXIS-GEORGETOWN PLANNED MERGER LOS ANGELES, CA / ACCESSWIRE / August 21, 2017 / GT Biopharma Inc. (formerly known as Oxis International, Inc.) announced today a 1-for-300 reverse stock split. Shareholders of GT Biopharma Inc. (OTCQB: OXIS and Eurone... |
7944 | Is there any kind of unsecured stock loan? | [
"260616",
"231221"
] | [
"buy an option, they cost less and let you buy shares in the future at the price you see now. only if you plan to buy more than 100 shares of the stock at that future date though. better learn how to use options strategically first, which I won't go into. but this is indeed their purpose.",
"In the U.S. it is typ... |
795 | Can the Standard Deduction still apply to a Traditional IRA early withdrawal? | [
"121832"
] | [
"\"IRA distributions are reported on line 15b on the standard form 1040. That is in the same Income section as most of your other income (including that 1099 income and W2 income, etc.). Its income is included in the Line 22 \"\"Total Income\"\", from which the Personal Exemption (calculated on 6d, subtracted fro... |
7952 | Are traders 100% responsible for a stock's price changes? | [
"61006",
"116846",
"435990",
"59988",
"157376"
] | [
"\"Traders = every market participant. Not some shadow figure that excludes you just because you passively drop cash into a 401k Vanguard fund every paycheck. So yes, if everyone stopped trading then the price won't move. Trades are 100% responsible for the prices you see on charts and tickers. A stock won't be wor... |
7954 | Is the writer of a call ever required to surrender dividends to the call option buyer? | [
"163290"
] | [
"The dividend goes to he who owns the stock when it goes ex-div. A buyer (the call buyer who exercises) will not exercise unless the stock plus dividend are in the money. Otherwise they'd be buying the stock at a premium. I like the scenario your friend doesn't. If I can find a high dividend stock and sell the cal... |
7956 | Some stock's prices don't fluctuate widely - Is it an advantages? | [
"483765",
"127702",
"598295",
"293027"
] | [
"Oracle specifically is paying a dividend with a current yield of about 1.4% annually and has appreciated nearly 50% over the last 5 years. Granted, the past doesn't guarantee the future but the company has paid a pretty steady dividend since 2009. If you're buying as part of an employee program you would presuma... |
7958 | Capital Gains Tax with Multiple 'buy' Transactions per Stock (U.S.) | [
"474384",
"111615"
] | [
"From 26 CFR 1.1012(c)(1)i): ... if a taxpayer sells or transfers shares of stock in a corporation that the taxpayer purchased or acquired on different dates or at different prices and the taxpayer does not adequately identify the lot from which the stock is sold or transferred, the stock sold or transferred is cha... |
7961 | Does an index have a currency? | [
"501032",
"369762",
"232945",
"452122"
] | [
"From Wikipedia - To calculate the value of the S&P 500 Index, the sum of the adjusted market capitalization of all 500 stocks is divided by a factor, usually referred to as the Divisor. For example, if the total adjusted market cap of the 500 component stocks is US$13 trillion and the Divisor is set at 8.... |
7962 | Convention for adding ishares (ETFs) into personal accounts | [
"554015",
"161041"
] | [
"What account you put it in depends on why you have those different accounts. First, if you have them due to regulatory requirements, then you of course must follow said regulations. I doubt that's the case here. Otherwise, you might be splitting based on how they trade (ETFs trade as stocks) or you could be spli... |
7966 | Is engaging in stocks without researching unwise? | [
"593045",
"536345",
"561703"
] | [
"\"If you don't want to do the deep research on each individual company, you might want to look at index funds and similar \"\"whole market\"\" investments.\"",
"\"Stock recommendations and price history are an unwise way to invest. People that recommend stocks are usually compensation for recommending it. They a... |
7968 | Short-term robots and long-term investors in the stock market | [
"19551",
"149919"
] | [
"Consider the price history to be the sum of short term movements and long term movements. If you hold a stock for a long time you will benefit (or lose) from its long term movement. If a sufficiently large and very good short term trader existed he would tend to reduce short term volatility, eventually to nearly ... |
797 | My wife and I are selling a house worth $230k-$260k. Its a rental. Should we use an agent, limited service listing agent, or FSBO? | [
"89281"
] | [
"The answers you'll receive are going to be largely subjective. I can't tell you which option would be best for you, but there are plenty of things to consider. Do you know how to sell a home? If your market is hot enough, FSBO may make sense as you won't need the marketing power and expertise of an agent. In very... |
7970 | How did this day trader lose so much? | [
"94690",
"336018",
"142110"
] | [
"The day trader in the article was engaging in short selling. Short selling is a technique used to profit when a stock goes down. The investor borrows shares of a stock from someone else and sells them. After the stock price goes down, the investor buys the shares back and returns them, pocketing the difference.... |
7972 | Benefits of Purchasing Company Stock at a Discount | [
"556696",
"546125"
] | [
"Typically, the discount is taxable at sale time But what about taxes? When the company buys the shares for you, you do not owe any taxes. You are exercising your rights under the ESPP. You have bought some stock. So far so good. When you sell the stock, the discount that you received when you bought the... |
7973 | Why companies appear in several stock exchanges? | [
"516136",
"306561"
] | [
"\"If I buy the one from NSY, is it the \"\"real\"\" Sinopec? No - you are buying an American Depository Receipt. Essentially some American bank or other entity holds a bunch of Sinopec stock and issues certificates to the American exchange that American investors can trade. This insulates the American investors f... |
7977 | Taxes on selling stock | [
"343219",
"169240",
"195767"
] | [
"You realise a capital gain as soon as you sell the stock. At that point, you will have to pay taxes on the profits when you fill in your tax return. The fact that you used the money to subsequently purchase other stocks is not relevant, unless you sell those stocks within the same tax year. For example, purchase $... |
7978 | Is it wise to sell company stock to pay down a mortgage? | [
"589443",
"301757"
] | [
"\"If by \"\"Company Stock\"\" you mean \"\"stock in the company I work for\"\" then absolutely sell your stock. It is too big a risk to have your investments tied into the same company that is also providing your salary. If you mean stock as in general investments, I like to look at it this way. If you have $25... |
798 | Is it cheaper to use car Insurance or pay out of pocket? | [
"487196"
] | [
"\"There's not a single answer here, as the premium you pay for car insurance depends on multiple factors, including (but not limited to): All these factors contribute to the likelihood of getting into an accident, and the expected damage from an accident. So just having an accident and making a claim will likely ... |
7980 | What is the difference between trading and non-trading stock? | [
"260023",
"73950"
] | [
"Every company has Stocks. For the stocks to be traded via some stock exchange, the companies must follow the eligibility criteria and guidelines. Once done, these are then listed on the stock exchange and can be traded. The advantage [amongst others] of listing is liquidity and stocks can easily be bought and so... |
7982 | RSU taxation: when am I taxed, and how much? | [
"104786"
] | [
"Restricted Stock Units are different from stock options because instead of buying them at a particular strike price, you receive the actual shares of stock. They are taxed as ordinary income at the time that the restriction is lifted (you don't have to sell them to be taxed). Usually, you can choose to have a perc... |
7985 | Why do deep in the money options trade below their intrinsic value? | [
"225717"
] | [
"You made 94$ on an investment of 554.80 *100 = 55480$ for an approx holding period of 1 year. So the % return is ~0.16%, which is not much better than the short term us treasury rate. The current 1 year treasury rate is 0.27%: http://ycharts.com/indicators/1_year_treasury_rate So yes, you have a risk free portfoli... |
7987 | How should I invest my money as a young graduate in Europe? | [
"433003",
"464356"
] | [
"Using a simple investment calculator to get a sense of scale here, to have 70k total, including the 500 a month invested, after ten years you just need returns of 2%. To earn 70k on top of the money invested you would need returns over 20%. To do that in five years you would need over 50% annual return. That is ... |
7988 | How to deal with IRS response of no action to 83(b) election? | [
"142433"
] | [
"I think you should consult a professional with experience in 83(b) election and dealing with the problems associated with that. The cost of the mistake can be huge, and you better make sure everything is done properly. For starters, I would look at the copy of the letter you sent to verify that you didn't write th... |
799 | Limited Liability Partnership capital calculation | [
"594280"
] | [
"Retained earnings is different from partner capital accounts. You can draw the money however the partners agree. Unless money is specifically transferred to the capital funds, earnings will not show up there."
] |
7990 | Starting a new job. Help me with retirement/debt planning please! | [
"455033",
"163287"
] | [
"I would go with your alternative idea: get rid of the debt as fast as possible. You have $32k of debt. It's a lot, but with your new $90k salary, do you think you could get rid of it all in 12 months? See if you can make that happen. Once the debt is gone, you'll be in a position to invest as much as you want a... |
7991 | Is it worth having a pension? | [
"233394",
"122378",
"592966"
] | [
"\"Paying someone to look after your money always costs something - it doesn't matter whether you're inside a pension or not. Fees are highest for \"\"actively managed\"\" funds and lowest for passively managed funds or things where you choose the investments directly - but in the latter case you might pay out a lo... |
7993 | Further Understanding of Wash Sale Rules | [
"151037",
"155616"
] | [
"Disallowed losses due to the wash sale rule are added to the basis of the repurchased shares. In your example, on day two you paid $0.70 per share. Then the disallowed $0.30 loss from the previous day gets added to the basis, making your total basis $1.00 per share. When you sell at the end of the day for $1.00 p... |
7994 | How can cold-callers know about my general financial status | [
"478016",
"424106",
"524580"
] | [
"The cold caller is just a different way to contact you compared to the junk mail that they send. The business gets information from the credit rating companies for households that meet a specific set of criteria. It could be town, age, home ownership, low credit utilization...Or the exact opposite depending on wh... |
80 | Get a loan with low interest rate on small business | [
"252473"
] | [
"\"I am going to assume your location is the US. From what I am seeing it is unlikely you will get a loan other than some government backed thing. You are a poor risk. At 7k/month, you have above average household income. The fact that all of your income \"\"is being washed off somewhere\"\" is a behavior problem... |
8000 | What is the best, low risk investment I can make now? | [
"516214",
"258048"
] | [
"\"TL;DR - go with something like Barry Ritholtz's All Century Portfolio: 20 percent total U.S stock market 5 percent U.S. REITs 5 percent U.S. small cap value 15 percent Pacific equities 15 percent European equities 10 percent U.S. TIPs 10 percent U.S. high yield corp bonds 20 percent U.S. total bond UK property m... |
8003 | Why would a company have 2 listings on the same exchange? | [
"251713",
"528516"
] | [
"A company can issue different kinds of shares. For example, some kinds of shares may get preference in dividends or payment in event of (company) bankruptcy. Preferred shares are an example of this. A company might have several kinds of preferred shares and a 'common stock'. Here is a good explanation. See too the... |
8004 | What could cause a stock to trade below book value? | [
"210268",
"261415",
"477426",
"490899"
] | [
"A company's stock value is indicative of the market's collective belief of the future of the company. The relationship of between price and book value will vary according to the quality of the company, the category of stock, etc. In extreme cases, say Bank of America, the stock trades at a fraction of book, becaus... |
8006 | What if I sell an stock that is going to give an stock dividend after the ex-date but before the payable date | [
"193398",
"51205"
] | [
"I know that in the case of cash dividends I will get the dividend as long as I bought the stock before the ex-date but what happens in the case of an stock dividend? This is same as cash dividends. You would receive the additional stock.",
"Here's what Investopedia says about payouts for ex-dividend stocks: A st... |
8009 | Why and why would/wouldn't a company split their stock? | [
"231781",
"198592",
"161895"
] | [
"From Investopedia, A stock split is usually done by companies that have seen their share price increase to levels that are either too high or are beyond the price levels of similar companies in their sector. The primary motive is to make shares seem more affordable to small investors even though the underl... |
8011 | Calculating Future and Present value into mortgage comparisons | [
"294076",
"267974",
"203670"
] | [
"Keep in mind the number of months or years before you break even. You pay money to lower the interest rate, and lower the monthly cost. But it takes a number of months, using your numbers $7,000 to save $160 a month will take ~43 months. That is before figuring in the future or present value. If you sell or refina... |
8019 | Quote driven and order driven financial markets | [
"505244"
] | [
"\"- In a quote driven market, must every investor trade with a market maker? In other words, two parties that are both not market makers cannot trade between themselves directly? In a way yes, all trades go through a market maker but those trades can be orders put in place by a \"\"person\"\" IE: you... |
802 | FTB sent refund check for 2011 during audit; Does this really mean that whole audit is over for 2011? | [
"323898"
] | [
"Not it doesn't, and yes they can. If the audit is closed, you should have received invitation to attend the closing conference, and get the summary of decisions from that meeting in writing. I suggest you check with your tax representative about this refund check before cashing it."
] |
8020 | Filing taxes on stocks | [
"216404",
"232716",
"378523"
] | [
"Generally stock trades will require an additional Capital Gains and Losses form included with a 1040, known as Schedule D (summary) and Schedule D-1 (itemized). That year I believe the maximum declarable Capital loss was $3000--the rest could carry over to future years. The purchase date/year only matters insofar... |
8022 | question about early exercise of a NQSO | [
"393439"
] | [
"Now assume these shares are vested, held for at least 1 year, and are then sold for $5 each. Everything I've read implies that the grantee now owes long-term capital gains taxes on the difference, which would be 10k * ($5 - $1). No. That's exactly what the SO is NQ for. Read more on the differences between I... |
803 | Where are the non floated Groupon shares | [
"287858",
"31242"
] | [
"The original investors and founders own them. Think about it this way - When you hear that an IPO priced at $10 opened at $50, is that 'good or 'bad'? Of course, it depends who you are. If you are the guy that got them at $10, you're happy. If you are the founder of the company, you are thinking the banker you pai... |
8031 | How to dollar-cost-average with a large amount of money in a savings account? | [
"493010",
"598478"
] | [
"DCA is not 10%/day over 10 days. If I read the objective correctly, I'd suggest about a 5 year plan. It's difficult to avoid the issue of market timing. And any observation I'd make about the relative valuation of the market would be opinion. By this I mean, some are saying that PE/10 which Nobel prize winner Robe... |
8033 | Dividend yeild per unit | [
"379232",
"395437"
] | [
"\"$36 dividend/900 DJIA = 4% 5.5% bond yield = ($36 dividend/660 DJIA) Graham wrote this at a very different time in financial markets- interest rates were much higher, and the DJIA much lower. In addition, bonds were yielding more than stocks, unlike today when the DJIA % the 10yr Treasury yield 2.63% and 2.13% r... |
8035 | Intro to Investment options for a Canadian | [
"531005"
] | [
"\"I got started by reading the following two books: You could probably get by with just the first of those two. I haven't been a big fan of the \"\"for dummies\"\" series in the past, but I found both of these were quite good, particularly for people who have little understanding of investing. I also rather like t... |
8036 | Is an investor of a startup subjected under a vesting schedule? | [
"475560",
"480119"
] | [
"\"Recently, I asked about what the company valuation is and how many shares does my 4% represent.CFO told me that there is no point to talk about \"\"shares\"\" or \"\"stock\"\" since the company is not public. Is it right? No, it is wrong. Shares and stocks exist regardless of how they can be traded. Once a... |
8037 | How do freight derivatives like Forward Freight Agreements (FFAs) work? | [
"462106",
"305069"
] | [
"The product descriptions for FFA swaps and options can be found here: http://www.lchclearnet.com/freight/ffas/products.asp The index (e.g. the BFA) is based on the settlement prices of the P2, P2A, and C4 contracts and the panamax TC routes. As such it's just a performance index and replicates the returns you'd ... |
8039 | Plan/education for someone desiring to achieve financial independence primarily through investing? | [
"17839",
"26252"
] | [
"Stay in school, learn everything you can, and spend as little money as possible. And realize that the chances of you dropping out and becoming a millionaire are much lower than the chances of you staying in school and becoming a millionaire. You're unlikely to be a good investor if you make bets with negative ex... |
804 | I just “paid” online with a debit card with no funds. What now? | [
"48401"
] | [
"There are a few factors at play here. Depending on the bank that has offered you the card there are different types of overdraft protection that may have been set up. Typically, if they attempt to run the card with no money, if one of these is in play, you will be spared any overdraft fees by the transaction charg... |
8041 | Some U.S. Tax Questions (CPA Concerns) | [
"445052"
] | [
"He has included this on Schedule D line 1a, but I don't see any details on the actual transaction. It is reported on form 8949. However, if it is fully reported in 1099-B (with cost basis), then you don't have to actually detail every position. Turbotax asked me to fill in individual stock sales with proceeds an... |
8042 | Why would a long-term investor ever chose a Mutual Fund over an ETF? | [
"500486",
"312015",
"200212",
"518735"
] | [
"First, it's not always the case that ETFs have lower expenses than the equivalent mutual funds. For example, in the Vanguard family of funds the expense ratio for the ETF version is the same as it is for the Admiral share class in the mutual fund version. With that in mind, the main advantages of a mutual fund o... |
8048 | Can I take money from my employee stock and put it towards another stock? | [
"498604",
"40831"
] | [
"The question is for your HR department, or administrator of the plan. How long must you hold the employee shares before you are permitted to sell? Loyalty to your company is one thing, but after a time, you will be too heavily invested in one company, and you need to diversify out. One can cite any number they wis... |
805 | Made more than $600. Company does not issue 1099-MISC's. Enter income as general income? | [
"454184"
] | [
"I'm not sure how this gets entered in TurboTax, but this income from the company should be included in the Schedule C (or C-EZ) Line 1 Gross Receipts total, along with all of your 1099-MISC income from your business and any other income that your business took in. You don't need a 1099 from them, and the IRS doesn... |
8051 | Stock exchanges open on Saturday | [
"507710"
] | [
"According to Wikipedia as well as this stock market trading-hours website, the Tehran Stock Exchange is open Saturday through Wednesday."
] |
8053 | What is the correct way to report incentive stock options (ISO) on federal taxes? | [
"302735"
] | [
"I'm assuming this was a cashless exercise because you had income show up on your w-2. When I had a similar situation, I did the following: If you made $50,000 in salary and $10,000 in stock options then your W-2 now says $60,000. You'll record that on your taxes just like it was regular income. You'll also get a ... |
8055 | Why have I never seen a stock split? | [
"359734",
"14133",
"42042"
] | [
"Are you sure you're not just looking at prices that are adjusted for the split, e.g. Yahoo? For example, Gilead Sciences (GILD) split a few months ago, but if you look at a price chart, there isn't an interruption even though the split is clearly marked. (Look in the past six months; it split in January). However,... |
8056 | Why does selling and then rebuying stock not lead to free money? | [
"554568",
"548278",
"93808",
"12367",
"247101"
] | [
"You are misunderstanding what makes the price of a stock go up and down. Every time you sell a share of a stock, there is someone else that buys the stock. So it is not accurate to say that stock prices go down when large amounts of the stock are sold, and up when large amounts of the stock are bought. Every day... |
8061 | Buying International Stock | [
"357696"
] | [
"For example, if the Dow, S&P 500, NASDAQ are all down does that necessarily mean the Canadian stock will get negatively impacted? Or is it primarily impacted by the Canadian market? The TWMJF stock makes up a very small part of the Canadian market so it affects the overall market, but this doesn't mean that the ov... |
8062 | Why is a stock trade flat on large volume? | [
"78816"
] | [
"Large volume just means a lot of market participants believe they know where the stock price will be (after some amount of time). The fact that the price is not moving just means that about 50% of those really confident traders think the stock will be moving up, and about 50% of those really confident traders thi... |
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