question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
8304 | How does start-up equity end up paying off? | [
"263746",
"255193",
"193109",
"156747",
"22207",
"400644"
] | [
"The details of how you can convert your 5% equity share to cash or stocks will be detailed in writing in the legal agreement you have already signed. If you do not have any signed written agreement, there is no 5%. Since 0% of anything is zero, you can expect to get $0 some time within the next few years. Lastly, ... |
8306 | Investing thought experiment | [
"324867",
"222989"
] | [
"The market cap always reflect the company's equity. Except that you cannot fix a stock price in a free market. A company with such profit pattern would have stock price behave like present value of a perpetuity (future income stream discounted by risk free rate) Since your assumption is unachievable, there is no... |
8309 | If I donate depreciated stock to charity, can I deduct both the market value and the capital loss? | [
"109860",
"161330"
] | [
"No. You should only donate appreciated stock. If you own a stock at a loss, you can only deduct the FMV (fair market value) when you donate. Instead, you should sell it, take the loss on your taxes, and donate the cash.",
"No, it doesn't work like this. Your charitable contribution is limited to the FMV. In your... |
831 | Can you sell a security through a different broker from which it was purchased? | [
"27283",
"209789"
] | [
"I'm in the US and I once transferred shares in a brokerage account from Schwab to Fidelity. I received the shares from my employer as RSUs and the employer used Schwab. After I quit and the shares vested, I wanted to move the shares to Fidelity because that is where all my other accounts are. I called Fidelity... |
8310 | Got a large cash sum, wanna buy stocks. Should I buy all at once, or spread it over time? | [
"98704",
"377659",
"144349"
] | [
"\"When you hear advice to buy index funds, that usually comes with two additional pieces of investment discipline advice that are important: These two elements are important to give you relative predictability in your outcome 20 years from now. In this old blog post of mine I linked to Warren Buffett talking abou... |
8311 | How do leveraged ETFs (index tracking) set intraday pricing? | [
"533477"
] | [
"Does the price only start the day based on the previous day's rebalancing? No, the tracker will open at the price according to the stock it is tracking. So for example, if the ETF closed at $10 but the tracked stock continued trading and was priced $15 when the ETF reopened the ETF will open at $15. (Example is f... |
8316 | where to get stock price forecast | [
"567090",
"522813",
"99145"
] | [
"\"First, stock prices forecasts are usually pretty subjective so in the following resources you will find differing opinions. The important thing is to read both positive and negative views and do some of your additional research and form your own opinion. To answer your question, some analysts don't provide price... |
8317 | Stability of a Broker: What if your broker goes bankrupt? Could you lose equity in your account? | [
"83183",
"217042",
"556549"
] | [
"The Securities Investor Protection Corporation is roughly analogous to the FDIC for investments. There are some important differences like a lack of 100% guarantee you get all of your funds back. The SIPC understands you invested knowing there was some risk, and therefore you take that same risk in getting your m... |
8318 | What Happens to Bank Stocks If Country Defaults | [
"127268",
"472879"
] | [
"The prices seem very low even considering the risk? The prices are low because of the risk. Nothing happens to the banks if the sovereign defaults. However, the sovereign debt holders - lose some or all the money they lent to that sovereign. Incidentally, many banks invest in the treasury bonds of various countrie... |
832 | Investment options for f1 visa students in USA | [
"255519"
] | [
"There's no limitation on what you can invest in, including trading stocks (as long as trading is not a business activity, like day-trading or investing for others). You just need to make sure you have a tax ID (either ITIN or SSN) and pay taxes on all the gains and dividends. Also, consider your home country tax l... |
8321 | How do straddles that involve selling options protect against early assignment? | [
"173374"
] | [
"Yes, that's the risk. If the stock is bouncing around a lot your options could get assigned. If it heads south you now are the proud owner of more of a falling stock. It's good that you're looking to understand the risks of an investment method. That's important no matter what the method is."
] |
8325 | Is foreign stock considered more risky than local stock and why? | [
"179073",
"426703",
"17460",
"243523",
"268022",
"418083",
"309199"
] | [
"Foreign stocks have two extra sources of risk attached to them; exchange rate and political. Exchange rate risk is obvious; if I buy a stock in a foreign currency and there is a currency movement that makes that investment worth less I lose money no matter what the stock does. This can be offset using exchange ra... |
8327 | Advice for a college student interested in investment opportunities. | [
"511879",
"332022",
"267756"
] | [
"2.5 years is a short period in the stock market. That means there is a significant chance it will be lower in 2.5 years, whereas it is very likely to be higher over a longer time period like 5-10 years. So if you want the funds to grow for sure then consider an online savings account, where you might earn 1-2%. I... |
8329 | Stock spread: wide vs. narrow? | [
"184051"
] | [
"The point is that the bid and ask prices dictate what you can buy and sell at (at market, at least), and the difference between the two, or spread, contributes implicitly to your gains or losses. For example, say your $1 stock actually had a bid of $0.90 and an ask of $1.10; i.e. say that $1 was the last price. Yo... |
833 | Are American Eagle $20 gold coins considered “securities”, requiring dealers to be licensed to sell them as such? | [
"42157"
] | [
"No. Securities brokers/dealers in the United States are licensed to broker debt and equity in corporations. (There are additional, commodities licenses to broker derivatives.) $20 American Eagle coins, or any other type of physical currency or physical precious metals can be traded or brokered by anyone without a ... |
8333 | Is Stock Trading legal for a student on F-1 Visa doing CPT in USA? | [
"491969",
"412226"
] | [
"you dont need any permits or be inside the US to trade the exact same securities on US exchanges. you can literally move your bitcoin from a chinese exchange to us exchange in seconds. i don't see how you can possibly run into legal issues if anyone from outside the country can trade bitcoins on an exchange insid... |
834 | Why UK bank charges are not taken account when looking on interest for taxation? | [
"390733",
"122112"
] | [
"\"When I left the UK four years ago, free banking is still an option and I'm pretty sure it still is. Therefore, you have chosen to have a bank account with a 5.00/month charge. In return for this charge, you will be eligible to receive certain benefits. For example; reduced borrowing costs, discounted mortgag... |
8341 | Wash sales + restricted stock in USA: grant date or vesting date? | [
"23355",
"511066"
] | [
"The vesting date. Look at publication 525, under stock options, where they talk about ESPP: Your basis is equal to the option price at the time you exercised your option and acquired the stock. The timing and amount of pay period deductions do not affect your basis.",
"\"For restricted stock, I think the ves... |
8342 | May 6, 2010 stock market decline/plunge: Why did it drop 9% in a few minutes? | [
"5220",
"380894",
"165518",
"457689"
] | [
"\"No one is quite sure what happened (yet). Speculation includes: The interesting thing is that Procter & Gamble stock got hammered, as did Accenture. Both of which are fairly stable companies, that didn't make any major announcements, and aren't really connected to the current financial instability in Greece. ... |
8347 | Can I buy stocks directly from a public company? | [
"62897",
"149306",
"241135",
"318903"
] | [
"\"As far as I know, the answer to this is generally \"\"no.\"\" The closest thing would be to identify the stock transfer company representing the company that you want to hold and buy through them. (I have held this way, but I don't know if it's available on all stocks.) This eliminates the broker, but there's ... |
8349 | What is the tax liability from an inheritance from a trust and reported on a K-1 form? | [
"504382"
] | [
"You don't need to submit a K-1 form to anyone, but you will need to transcribe various entries on the K-1 form that you will receive onto the appropriate lines on your tax return. Broadly speaking, assets received as a bequest from someone are not taxable income to you but any money that was received by your gran... |
835 | How are days counted when funding a new account within 10 days | [
"469497"
] | [
"\"If the wording is \"\"within 10 days\"\" then its 10 days. Calendar days. Otherwise they would put \"\"10 business days\"\", for example. Usually, if you need to do something within 10 days from today, the first day to count is today. I would expect \"\"within\"\" to mean that you can fund in any of the days up ... |
8352 | What's the difference between stocks and shares? | [
"330534"
] | [
"For all practical purposes the words mean the same thing. Shares are just stock in a particular company whereas stock can refer to shares over many companies. Investopedia has a good explaination. If you are a financial journalist you might want to make sure you are using the right term at the right time, but oth... |
8354 | If you want to trade an equity that reflects changes in VIX, what is a good proxy for it? | [
"320787",
"267119",
"169408",
"78072"
] | [
"\"There is no good proxy for VIX, because it is a completely made-up value. Most listed options trade on an underlying security. I can therefore choose to buy either the stock, or a future or option on that stock. In this way, the future and option are derivatives in that they derive their value (in part) based ... |
8358 | What option-related strategies are better suited to increasing return potential? | [
"529919",
"39402",
"213366"
] | [
"\"I've traded covered calls now and then. This is a recent trade. Bought 1000 shares of RSH (Radio Shack) and sold 10 calls. So, I own the stock at a cost of $6.05, but have to let it go for $7.50. There's a 50c dividend in November, so the call buyer will call it away even if the stock trades below the strike. So... |
836 | How do I evaluate reasonability of home improvement projects? | [
"106145",
"88770"
] | [
"If you're looking for some formula, I don't think one exists. People talk about this all the time and give conflicting advice. If there was a proven-accurate formula, they wouldn't be debating it. There are basically 3 reasons to do a home improvement project: (a) Correct a problem so that you prevent on-going dam... |
8362 | How should I report my RSUs in my tax return | [
"201127",
"591385"
] | [
"Here's an article on it that might help: http://thefinancebuff.com/restricted-stock-units-rsu-sales-and.html One of the tricky things is that you probably have the value of the vested shares and withheld taxes already on your W-2. This confuses everyone including the IRS (they sent me one of those audits-by-mail o... |
8363 | Dividend Yield | [
"106087",
"428315"
] | [
"The S&P 500 is an index, you can't buy shares of an index, but you can find index funds to invest in. Each company in that fund that pays dividends will do so on their own schedule, and the fund you've invested in will either distribute dividends or accumulate them (re-invest), this is pre-defined, not something t... |
8365 | Mutual Fund with Dividends | [
"8891",
"345954",
"294314"
] | [
"There are two independent sets of terms we need to define in order to answer your question. I am trying to understand the difference between Value, Blend, and Growth These are different categories of mutual funds: Value: discounted or undervalued stocks. This is often measured by a difference between the stock's ... |
8367 | Why do more floating shares mean less volatility for the stock? | [
"23108"
] | [
"More shares mean less volatility because it takes a larger number of trades, a larger number of shares per trade, or a combination of both to raise or lower the stock price. Institutional investors (mutual funds, pensions, hedge funds, other investment firms, etc) are the sorts of organizations with the large amou... |
8375 | When does selling (writing) options count for tax purposes? | [
"487256",
"477597"
] | [
"Generally speaking, you realize options gains or losses for (US) tax purposes when you close out the option position, or when it expires so in your example, if you're discussing an equity option, you'd realize the gain or loss next year, assuming you don't close it out prior to year end. But options tax treatment... |
8380 | Break Even On Options Contracts | [
"112321",
"278102"
] | [
"\"Simple answer: Breakeven is when the security being traded reaches a price equal to the cost of the option plus the option's strike price, assuming you choose to exercise it. So for example, if you paid $1.00 for,say, a call option with a strike price of $19.00, breakeven would be when the security itself reache... |
8381 | How much of my capital should I spend on subscribing to a stock research company? | [
"110733",
"151437"
] | [
"\"You should spend zero on your stock research company. If the management of the company actually had persistent skill in picking stocks, they would not be peddling their knowledge to the retail market for a few hundred dollars. They would rake in millions and billions by running a huge hedge fund and buy themse... |
8382 | Any advantage to exercising ISO's in company that is not yet public? | [
"420722",
"492321",
"87331"
] | [
"\"Exercising an option early if you can't sell the underlying stock being purchased is generally not advisable. You're basically locking in the worst price you can possibly pay, plus you're losing the time value on your money (which is, admittedly fairly low right now, but still). Let's say you have a strike price... |
8383 | What happens if a company you hold short merges with another company? | [
"94159"
] | [
"\"I don't have anything definitive, but in general positions in a company are not affected materially by what is called a corporate action. \"\"Corp Actions\"\" can really be anything that affects the details of a stock. Common examples are a ticker change, or exchange change, IPO (ie a new ticker), doing a split,... |
8388 | Does the P/E ratio not apply to bond ETFs? | [
"287950",
"45468",
"219345"
] | [
"The simple answer is technically bonds don't have earnings, hence no P/E. What I think the OP is really asking how do I compare stock and bond ETFs. Some mature stocks exhibit very similar characteristics to bonds, so at the margin if you are considering investing between 2 such investments that provide stable inc... |
839 | Once stock prices are down, where to look for good stock market deals? | [
"10591",
"335626",
"573767",
"567500"
] | [
"\"Indexes are down during the summer time, and I don't think it has something to do with specific stocks. If you look at the index history you'll see that there's a price drop during the summer time. Google \"\"Sell in May and go away\"\". The BP was cheap at the time for a very particular reason. As another examp... |
8393 | What does pink-sheet mean related to stocks? | [
"51063"
] | [
"It's an over-the-counter stock quote system. Read all about it. Or visit it."
] |
8395 | Dealing with event driven market volatility | [
"257921",
"91179",
"556810"
] | [
"If you're worried about volatility, and you're in mostly long positions, you should be looking to diversify your portfolio (meaning, buying some stocks that will do better in a bear market) if it's not already diverse, but you shouldn't be looking to abandon your positions, unless you anticipate a short-term need ... |
8396 | Tax implications of restricted stock units | [
"218695",
"31037",
"273829"
] | [
"RSU are taxed when vested, based on their value at that point, as salary. If you don't sell to cover, you need to pay the taxes, if you sell to cover - you sell the portion that is worth the taxes (brokers do that automatically, and remit the taxes on your behalf). Once paid your taxes, it becomes a regular stock ... |
8398 | How to hedge a long stock position that does not have options | [
"443926",
"165917"
] | [
"If there are no traded options in a company you can get your broker to write OTC options but this may not be possible given some restrictions on accounts. Going short on futures may also be an option. You can also open a downside CFD (contract for difference) on the stock but will have to have margin posted agains... |
840 | Corporate Coverdell ESA Tax Liability | [
"195447"
] | [
"Not sure how authoritative it is, but according to this site, yes: Can a corporation, partnership or other non-living entity make the contribution to an ESA? Yes. The tax law does not restrict the ability to make contributions to living individuals. Corporations and other entities may make contributions without re... |
8403 | What happens to public shareholders when a public stock goes private? | [
"391156",
"216300"
] | [
"\"I can see two possibilities. Either a deal is struck that someone (the company itself, or a large owner) buys out the remaining shares. This is the scenario @mbhunter is talking about, so I won't go too deeply into it, but it simply means that you get money in your bank account for the shares in question the sam... |
8414 | Are there any caveats to withdrawing funds from brokerage? | [
"225162",
"66248"
] | [
"Assuming a USA taxable account: Withdrawing funds from a brokerage account has nothing to do with taxes. Taxes are owed on the profit when you sell a stock, no matter what you do with the funds. Taxes are owed on any dividends the stock produces, no matter what you do with the dividend. The brokerage sends you a f... |
8415 | Can I donate short-stock to charity? | [
"326788",
"221427"
] | [
"No. There is no asset associated with your short position, so there's nothing to gift. The short position in the stock is purely a liability. When you note that you have a profit in the position, what you mean is that the cash you made when you shorted the stock is more than enough to cover the short position. The... |
8416 | Online stock screener to find stocks that are negatively correlated to another stock/index? | [
"343662",
"23570",
"40856",
"74659"
] | [
"Finviz can be screened by beta which is an index of correlation. Finviz covers all major North American exchanges and some others.",
"There are lists with Top 1,000 Most and Less correlated stocks for different markets, I think you'll find the solution here: https://unicornbay.com/tools/most-less-correlated-ass... |
8418 | (United Kingdom) Multiple Stock ISAs? | [
"592756"
] | [
"It is a very good idea to spread your ISAs over more than one stock broker. However now that a lot of stock brokers charge an admin fee it can get expensive if you use too many. There is no need to tell your last year’s ISA provider that you are using a different one, however you MUST ONLY pay into one ISA prov... |
842 | How to Transition From Employee to Employer? | [
"454584"
] | [
"Having been both I see the pros and cons Employers: I personally hated all the paperwork. Government forms, legal protection, insurance, taxes, payroll, accounting, year ends, bank accounts, inventory tracking, expenses. The best bosses don't worry about the product, they worry about maintaining an environment th... |
8422 | How risky are penny stocks? | [
"287239",
"449275",
"293758",
"6369",
"480910",
"254271"
] | [
"\"Penny stocks are only appealing to the brokers who sell the penny stocks and the companies selling \"\"penny stock signals!\"\". Generally penny stocks provide abysmal returns to the average investor (you or me). In \"\"The Missing Risk Premium\"\", Falkenstein does a quick overview on average returns to penny s... |
8423 | What does “a stock pays a dividend of 3%” mean? | [
"535697"
] | [
"It means a 3% return on the value of the stock. If a stock has a $10 share price, the dividend would be $0.30. Normally though, the dividends are announced as a fixed amount per share, because the share price fluctuates. If a percentage were announced, then the final cost would not be known as the share priced cou... |
8428 | When writing a covered call, what's the difference between a “net debit” and a “net credit”? | [
"313551",
"99021",
"538518"
] | [
"\"When you enter into a multi-legged trade where one is a buy and one is a sell, the limit is expressed as either: The gist is that you don't care what each individual piece costs; you only care what the cost of the bundle is. When you put on a buy-write, you are buying stock and selling a (covered) call against t... |
8431 | Does an option trading below parity always indicate an arbitrage opportunity? | [
"236366",
"122432",
"499874"
] | [
"\"Probably but not necessarily. Your question could also be posed regarding cash & carry for commodities in contango: If I can take delivery on the gold now, short the gold next year and make delivery then, paying the storage fees, is this an arbitrage opportunity? It is in the sense that you know your delivery a... |
8432 | When do I need to return short stock to the lender | [
"17426"
] | [
"\"If the owner of the stock wants it back, they \"\"call\"\" it back. There are no guarantees of how long you can keep it for your short, or the cost involved to hold it. Usually, everyone knows about a particular set-up (e.g. a warrant or convertible bond mispricing) that is attractive for arbitrage. This causes... |
8433 | Why are there hidden bids and offers in the US stock market for the more illiquid stocks? | [
"281844",
"562113"
] | [
"When you place a bid between the bid/ask spread, that means you are raising the bid (or lowering the ask, if you are selling). The NBBO (national best bid and offer) is now changed because of your action, and yes, certain kinds of orders may be set to react to that (a higher bid or lower ask triggering them), also... |
8435 | Premium classification when selling covered calls in a traditional IRA? | [
"312600"
] | [
"If you hold stock in a traditional IRA and sell a covered call against that stock, the premium received for writing that call belongs to the IRA just as would any other gain, dividend, or interest. It is not a contribution but simply adds to the balance in the IRA. The nature of the gain (capital or ordinary) is... |
8437 | Who gets the dividend when a stock is bought/sold around the ex-dividend date? [duplicate] | [
"586759"
] | [
"Your understanding is incorrect. The date of record is when you have to own the stock by. The ex-dividend date is calculated so that transaction before that date settles in time to get you listed as owner by the date of record. If you buy the stock before the ex-dividend date, you get the dividend. If you buy i... |
8439 | Are investor's preference for dividends justified? | [
"63882",
"342379",
"553856"
] | [
"\"This question is predicated on the assumption that investors prefer dividends, as this depends on who you're speaking to. Some investors prefer growth stocks (some which don't pay dividends), so in this case, we're covering the percent of investors who like dividend paying stocks. It depends on who you ask and ... |
844 | Where are all those unsold vehicles? | [
"498198",
"64666"
] | [
"When the 2016 models come out, the dealership marks down the 2015 model and then it sells pretty fast. The process doesn't take that long in the car market because the 2015 models are just as good as the 2016 so if they are just a little cheaper, they will sell quickly. If you want a 2008 Audi that has never sol... |
8442 | How do you get your Canadian stock information? | [
"55152"
] | [
"\"I only follow the news of stocks I already own. I use the GlobeInvest Watchlist http://www.theglobeandmail.com/globe-investor/my-watchlist/ each Friday night. In the drop-down views choose ALL NEWS I believe that there is a strong \"\"grass is greaner ..\"\" effect from always looking at what other stock ar... |
8444 | Am I doing the math for this covered call/long put strategy correctly? What risks do I run with this strategy? | [
"36313",
"99939"
] | [
"You own the stock at $29.42 At $40, the stocks is called at $26. You can't add the call premium, as it's already accounted for. The trade is biased towards being bearish on the stock. (I edited and added the graph the evening I answered) Not the pretiest graph, but you get the idea. With that $29.42 cost, you are... |
8446 | What are the pros and cons of investing in a closed-end fund? | [
"445198",
"66453",
"225964"
] | [
"Pro: - Faces less redemption pressure and hence the Fund Manager can focus more on long term gains rather than immediate gains. - Works well in emerging markets. - Less churn out in case the market falls sharply, there by making more money in long run. Cons: - No additional money to invest/take advantage of ma... |
8449 | Is it possible to make money off of a private company? | [
"372360",
"140383"
] | [
"Yes, but only if they're looking for investors. You would need to contact them directly. Unless you're looking to invest a significant sum, they may not be interested in speaking with you. (Think at least 6 figures, maybe 7 depending on their size and needs). This is otherwise known as being a Venture Capitalist. ... |
845 | What are the options for a 19-year-old college student who only has about $1000? | [
"239617",
"372223",
"190929",
"556545",
"506306",
"251667"
] | [
"\"The \"\"$1000 is no money at all\"\" people are amusing me. Way back in the mists of time, a very young me invested on the order of ~$500 in a struggling electronics manufacturer I had a fondness for. An emotional investment, not much money, but enough that I could get a feel for what it was like owning stock in... |
8451 | What's the difference between Buy and Sell price on the stock exchange [duplicate] | [
"280172",
"87065",
"503075",
"307155"
] | [
"The same as when you are buying a car. If a dealer quotes 10k and you quote 8k. 8k is the buy price and 10k is the sell price. Somebody might quote 8.5k and another dealer might quote 9.5k. The the new price that you see on your screen is 8.5k(Best buy price) and 9.5k(Best sell price). When the buyer and seller a... |
8452 | Questrade - What happens if I buy U.S. stock with Canadian money? | [
"433069",
"279775",
"307832"
] | [
"I personally spoke with a Questrade agent about my question. To make a long story short: in a margin account, you are automatically issued a loan when buying U.S. stock with a Canadian money. Whereas, in a registered account (e.g. RRSP), the amount is converted on your behalf to cover the debit balance. Me: What h... |
8454 | Choose online stock trading companies | [
"234747",
"422476",
"296725",
"192910"
] | [
"Lower fees are always better, everything else equal. A lower fee makes your transaction overall a better deal, all else equal. Other transactions costs (like the SEC fee on sales) are mostly the same across brokers and there is unlikely to be any difference in execution quality either. When comparing brokers be ... |
8461 | How much percent of my salary should I use to invest in company stock? | [
"575213",
"528827",
"88540",
"135873",
"71713",
"569224",
"528699"
] | [
"You're talking about ESPP? For ESPP it makes sense to utilize the most the company allows, i.e.: in your case - 15% of the paycheck (if you can afford deferring that much, I assume you can). When the stocks are purchased, I would sell them immediately, not hold. This way you have ~10% premium as your income (prett... |
8464 | Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? | [
"265766",
"343586",
"302869",
"516148"
] | [
"\"You don't need to use a real stock like GLD. You can just create a \"\"stock\"\" called something like \"\"1 oz Gold\"\" and buy and sell them as if they were shares. It won't auto-update the price like GLD, but that's not a big deal to update manually once a month or so. I prefer to have accurate data that is... |
8466 | In what ways is IEX different than a typical dark pool or a typical exchange? | [
"285643"
] | [
"You've said what's different in your question. There's 330 microseconds of network latency between IEX and anywhere else, so HFTs can't get information about trades in progress on IEX and use it to jump in ahead of those traders on other exchanges. All exchanges should have artificially induced latency of this kin... |
8467 | What else besides fees should I consider in rebalancing my fund portfolio's asset allocation? | [
"546133"
] | [
"Taxes Based on the numbers you quoted (-$360) it doesn't appear that you would have a taxable event if you sell all the shares in the account. If you only sell some of the shares, to fund the new account, you should specify which shares you want to sell. If you sell only the shares that you bought when share pri... |
8468 | Optimal balence of 401K and charitable savings | [
"524390"
] | [
"Two things I would recommend doing: I would save a minimum of 15% into retirement. By young I will assume that you are under 30. 15K/year + company match will grow into a sick amount of money by the time you are in your 60s. So you have a net worth that is north of 5 million. What kind of charitable giving c... |
847 | Won an incentive trip in 2013, left employer in 2014, received an earning statement with no cash but a huge tangible bonus listed | [
"348787"
] | [
"\"I had experience working for a company that manufactures stuff and giving products to the employees. The condition was to stay employed for a year after the gift for the company to cover its cost (I think they imputed the tax), otherwise they'd add the cost to the last paycheck (which they did when I left). But ... |
8470 | What ways are there to invest in stocks, options, indexes, etc, and where should one start (what funds)? | [
"317493",
"343977"
] | [
"I take the route of the tortoise. I subscribe to the adage that you invest in an excellent index fund like VFINX and forget about day trading and trying to make short term gains. Just like I would do at a casino I do gamble a bit for fun. Using etrade you can purchase some Vanguard or a billion of other things. ... |
8471 | Using Loan to Invest - Paying Monthly Installments with Monthly Income | [
"140572",
"20662",
"255252",
"140434"
] | [
"The best strategy? Skip the loan. Find a way to invest for a low starting amount via a retirement account (such as a 401K or IRA in the United States) or non-retirement account. Use this money to buy individual stocks or funds. Every month put money from your regular income into this investment account. Then buy m... |
8473 | More money towards down payment versus long-term investments | [
"85745",
"415329",
"332159",
"429338",
"410359"
] | [
"There are two components to any non-trivial financial decision: Assuming that all things remain equal, borrowing money at a low rate while investing for a higher return is a no-brainer. The problem is, all things do not remain equal. For example: I think that you need to assess your position and preferences. I'd ... |
8474 | Which mutual funds is Dave Ramsey talking about in The Total Money Makeover? [duplicate] | [
"181013"
] | [
"See the Moneychimp site. From 1934 to 2006, the S&P returned an 'average' 12.81%. But the CAGR was 11.26%. I wrote an article Average Return vs Compound Annual Growth to address this issue. Interesting that over time only a few funds have managed to get anywhere near this return, but the low cost indexer can get... |
8476 | Trading US stocks from India | [
"506368",
"409712"
] | [
"I believe I have to pay taxes in US since it is a US broker. No, not at all. The fact that the broker is a US broker has nothing to do with your tax liabilities. You should update the banks and the broker with your change of status submitting form W8-BEN to them. Consult a tax professional proficient with Indo-US ... |
8480 | Why can I see/trade VIX but not S&P/TSX 60 VIX? | [
"461165",
"25130"
] | [
"S&P/TSX 60 VIX (CAD) is an equation and as the implied volatility of two close to the money TSX 60 options change, the output changes. This is why the intra-day price fluctuates on a graph like a traded product. Although VIXC can't be traded, it can still be used as an important signal for traders. The excerpt is... |
8482 | Any difficulties in doing deceased relative's taxes? | [
"414394"
] | [
"There are two different tax returns you'll be doing: one is for her, until the day of her death. The other is for the estate. The personal one you could probably do on your own, it's nothing different from the one for a living person, except for the cut-off date in the middle of the year. The estate tax return may... |
8485 | What percentage of my money should I invest outside my country? | [
"349417"
] | [
"Your definition of 'outside your country' might need some redefinition, as there are three different things going on here . . . Your financial adviser appears to be highlighting the currency risk associated with point three. However, consider these risk scenarios . . . A) Your country enters a period of severe fin... |
8486 | Investing / Options idiot - how can I get out of this position? | [
"211543",
"373585"
] | [
"Your broker should make you whole by adjusting the quantity of the underlying (see: http://www.schaeffersresearch.com/education/options-basics/key-option-concepts/dividends-stock-splits-and-other-option-contract-adjustments) but I would check with them that this will happen. You will then have an option on 4 times... |
8497 | Cashing in stocks for house downpayment | [
"448659",
"75024"
] | [
"I'm not sure where people keep getting this idea, but I see it come up a lot. Anyway, you pay capital gains taxes when you sell an investment that has appreciated. It makes no difference when/if you reinvest the money or what you invest it in. If you are afraid of the tax burden you can minimize it by: 1) Selling ... |
8498 | What is a decent rate of return for investing in the markets? | [
"235772",
"583785",
"46394",
"554237"
] | [
"Don't ever, ever, ever let someone else handle your money, unless you want somebody else have your money. Nobody can guarantee a return on stocks. That's utter bullshit. Stock go up and down according to market emotions. How can your guru predict the market's future emotions? Keep your head cool with stocks. Only ... |
8499 | Why do stock brokers charge fees | [
"131651",
"4883"
] | [
"They are providing you a service and they charge you for it. The service includes giving you a trading platform(website and the infrastructure), doing all the background work for setting up services for you, relaying your orders to the market or as a broker fulfilling your orders, doing settlement when an order is... |
85 | Moving my online only business to the USA? | [
"431230"
] | [
"You don't need a Visa to create or own US property. Your registered agent will be able to take care of most of this, and your new entity will use the registered agent's address where applicable, but you may need your own separate address which can be your office in the UK. If you want privacy then you'll want a se... |
850 | What is the contribution limit for a SEP-IRA? | [
"218823"
] | [
"\"Both are saying essentially the same thing. The Forbes articles says \"\"as much as 20% [...] up to a maximum of $50,000\"\". This means the same as what the IRS page when it says the lesser of a percentage of your income or a total of $53,000. In other words, the $53k is a cap: you can contribute a percentag... |
8501 | How does the value of an asset (valued in two different currencies) change when the exchange rate changes? | [
"227232",
"70421",
"152657",
"48783"
] | [
"Gold is traded on the London stock exchange (LSE) and the New York stock exchange (NYSE) under various separate asset tickers, mainly denominated in sterling and US dollars respectively. These stocks will reflect FX changes very quickly. If you sold LSE gold and foreign exchanged your sterling to dollars to buy ... |
8506 | Naked calls and buying the stock later | [
"338344"
] | [
"\"Has anyone done this before? I'm sure someone has, but it doesn't completely remove any price risk. Suppose you buy it at 10 and it drops to 5? Then you've lost 5 on the stock and have no realized gain on the option (although you could buy back the option cheaply and exist the position). To completely remove p... |
851 | Who maintains receipt for employee expense reimbursements? | [
"297241"
] | [
"\"In the normal course of events, you should receive a separate check for the amount of the purchase, and that amount should not be included in your wages as shown on your W-2 statement. If the amount is included on your paycheck, it should still be listed separately as a non-taxable item, not as part of wages pa... |
8514 | How to acquire skills required for long-term investing? | [
"195222",
"367348",
"403899",
"444261",
"234640"
] | [
"\"As foundational material, read \"\"The Intelligent Investor\"\" by Benjamin Graham. It will help prepare you to digest and critically evaluate other investing advice as you form your strategy.\"",
"\"I feel that OP's question is fundamentally wrong and an understanding of why is important. The stock market, a... |
8521 | Why would people sell a stock below the current price? | [
"353396",
"557961",
"304399",
"551286",
"43432",
"350067",
"87220",
"65401"
] | [
"\"Say we have stock XYZ that costs $50 this second. It doesn't cost XYZ this second. The market price only reflects the last price at which the security traded. It doesn't mean that if you'll get that price when you place an order. The price you get if/when your order is filled is determined by the bid/ask spreads... |
8522 | Are buyouts always for higher than the market value of a stock? | [
"324377",
"241175",
"492052"
] | [
"\"Buyouts are usually for more than the ORIGINAL value of a stock. That's because the price \"\"premium\"\" represents an incentive for holders to \"\"tender\"\" their shares to the would-be buyer. Sometimes in these situations, the stock price rises above the proposed buyout price, in anticipation of a higher tak... |
8524 | Where to find detailed information about stock? | [
"402477",
"31516"
] | [
"\"1. Most of the information you want can be found in the annual report of the company. Go to their official website, look for shareholders information and then download the annual report. This will answer: \"\"number of issued stock, voting rights, if there is more than one kind of stock, etc. In summary all the ... |
8525 | If there's no volume discount, does buying in bulk still make sense? | [
"65432",
"158455",
"56027",
"335486",
"552845",
"25701",
"337417",
"515024"
] | [
"If they don't spoil, you can still get some marginal benefit if buying in bulk means you avoid the need for a trip to the shops to get a replacement. If the item is a commodity that you will use eventually you are unlikely to lose out as the prices tend to remain fairly stable. There's also the inconvenience facto... |
8529 | what is the timezone that yahoo uses for stock information | [
"502747"
] | [
"\"Using your example link, I found the corresponding chart for a stock that trades on London Stock Exchange: https://ca.finance.yahoo.com/echarts?s=RIO.L#symbol=RIO.L;range=1d As you can see there, the chart runs from ~8:00am to ~4:30pm, and as I write this post it is only 2:14pm Eastern Time. So clearly this for... |
8530 | Common Stock Options Value | [
"399043",
"77124"
] | [
"Par value of common stock is essentially a historical artifact; it is a price at which the company will redeem shares directly. If common stock has any par value at all, it is always so low that no one would ever redeem, preferring to sell in the market at a better price. Par is obviously much more relevant to d... |
8531 | Does FIFO cost basis applies across multiple accounts? | [
"107336",
"104453"
] | [
"You decide on a cost bases attribution yourself, per transaction (except for averaging for mutual funds, which if I remember correctly applies to all the positions). It is not a decision your broker makes. Broker only needs to know what you've decided to report it to the IRS on 1099, but if the broker reported wro... |
8535 | why do energy stocks trade at lower prices compared to other sectors? | [
"8643",
"106324"
] | [
"Large-scale price range of a stock isn't directly meaningful; that reflects how many shares exist, not just how desirable they are. A stock split, for example, doubles the number of shares everyone holds while cutting the value of each share in half; that's meaningless except that it makes the shares a bit easier ... |
8536 | Is it better to use DRIP or invest when stock drops before ex-date? | [
"344175",
"269129",
"384120"
] | [
"The benefit of a dividend reinvestment program is you, generally, don't pay transaction costs or commissions and you don't have to remember to do it. Whether or not you may be able to eek out a little more by managing this yourself is a crapshoot and the equivalent of timing the market. If you're so good at tim... |
854 | Where do large corporations store their massive amounts of cash? | [
"125981",
"582185",
"170147",
"448431"
] | [
"You can find out the general types of investments by reading the public corporation 10-Q report that is filed with the SEC it can be accessed via the EDGAR system. It will not tell you what securities they have, but it does identify the short term and long term investments categories and their value.",
"Short te... |
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