question_id stringlengths 1 5 | question stringlengths 14 158 | pos_item_ids listlengths 1 23 | pos_item_contents listlengths 1 23 |
|---|---|---|---|
974 | Passing money through a different account to avoid cash pay-in fees | [
"426076",
"466317"
] | [
"\"Let me do the math. .6% * (not large) = really tiny. Since \"\"not large\"\" = \"\"small\"\" , etc. I suggest that even a small chance that you need to explain this to anyone in the future is a sign to avoid the risk. Yes, there are times that it's illegal. A real estate office may not deposit escrow funds into... |
9744 | Expense ratio of an ETF included in the price or calculated separately | [
"78626"
] | [
"The expense ratio reduces the return of the ETF; your scenario of paying 100.0015 is that of a load. Most (all?) ETFs can be bought without paying a load (sales charge as a percent of amount invested), and some ETFs can be bought without paying a brokerage fee (fixed or variable charge for a buy transaction just ... |
9745 | Does a 1045 exchange require any filing prior to that years tax return? | [
"584917"
] | [
"When you get into reading Revenue Rulings and Treasury Regulations - I'd suggest hiring a professional to do that for you. Especially since you also need to assure that the new stock does indeed qualify as QSBS. However, from the revenue ruling you quoted it doesn't sound like there's any other requirement other t... |
9747 | Can we compare peer-to-peer loans to savings accounts? | [
"208938",
"378161",
"365197"
] | [
"I don't think you can compare savings accounts and peer-to-peer lending. The former is a liquid way of stashing some money away (IOW you can get at it pretty much any time you want) whereas the latter is extremely illiquid (you only get your money back if and when the loan has been repaid). Also, as mentioned by t... |
9749 | 1031 Exchange and Taxes? | [
"30163"
] | [
"You bought a rental property in 2001. Hopefully you paid fair value else other issues come into play. Say you paid $120K. You said you have been taking depreciation, which for residential real estate is taken over 27.5 years, so you are about halfway through. Since you don't depreciate land, you may have taken a ... |
975 | Using a FOREX platform to actually change money | [
"533613",
"292490"
] | [
"\"FX trading platforms are not used for exchanging money, they are used for trading currencies. \"\"I know there are cheaper services like transferwise, charging about 0.5 %, but there is little/no control over the exchange rate, you just get the rate at the time of execution.\"\" With FX trading you don't have co... |
9753 | Learn investing as a programmer | [
"97662",
"436437"
] | [
"\"My master's thesis was on using genetic algorithms and candle stick method. If you are familiar, the AI was used to answer questions like \"\"what is a long day\"\", which is not formally defined in most candle stick texts. So in theory unlimited potential for learning including teaching machines to learn. W... |
9754 | I have about 20 000 usd. How can invest them to do good in the world? | [
"462984",
"85447",
"272162",
"106786",
"332435",
"553289",
"594442"
] | [
"\"Vanguard has a Vanguard FTSE Social Index Fund. Their web page says \"\"Some individuals choose investments based on social and personal beliefs. For this type of investor, we have offered Vanguard FTSE Social Index Fund since 2000. This low-cost fund seeks to track a benchmark of large- and mid-capitalization ... |
9759 | Stock valuation - Volkswagen | [
"162047",
"15323",
"168972"
] | [
"The prices dropped because the scandal could mean: This some people estimated that the company could lose money, or have smaller profit. Thus each share was worth less money going forward. The mechanism is that in order to sell their shares the current share owners had to settle for lower prices.",
"(I live in t... |
976 | Pay off debt with RRSPs, or refinance and roll into Mortgage? | [
"40312"
] | [
"I would personally look at consolidating your debt at a lower interest rate by refinancing your mortgage. I would leave any retirement funds alone unless it was absolutely necessary to touch it with no other avenues available. However, once you have consolidated your debt into the mortgage I would pay more than th... |
9763 | Cost Basis in Retirement Accounts Irrelevant? | [
"570292",
"183926"
] | [
"One thing to keep in mind is that with Roth accounts, there are different withdrawal considerations based on your contributions. For example, you can withdraw Roth IRA contributions whenever you want in the future. However this really has nothing to do with your cost basis and purely to do with the contribution a... |
9765 | Why did the price of ASH common stock drop when the market opened on May 15, 2017? | [
"221035"
] | [
"Ashland Global Holdings Inc. (ASH) sold off their ownership in Valvoline Inc. (VVV). Friday, May 12 was the distribution date of the sale; at the end of the day, every stockholder of ASH received 2.745338 shares of VVV stock for each share of ASH held. That is why the value of ASH has dropped significantly on op... |
9768 | What considerations are there for making investments on behalf of a friend? | [
"389004",
"438408",
"233187",
"198090"
] | [
"Pool their money into my own brokerage account and simply split the gains/losses proportional to the amount of money that we've each contributed to the account. I'm wary of this approach due to the tax implications and perhaps other legal issues so I'd appreciate community insight here. You're right to be wa... |
9769 | Why do I get a much better price for options with a limit order than the ask price? | [
"373862",
"15917",
"95010",
"49782",
"236504"
] | [
"Sounds to me like you're describing just how it should work. Ask is at 30, Bid is at 20; you offer a new bid at 25. Either: Depending on liquidity, one or the other may be more likely. This Investorplace article on the subject describes what you're seeing, and recommends the strategy you're describing precisely.... |
977 | How to send money across borders physically and inexpensively, but not via cash? | [
"37662",
"372051",
"361689"
] | [
"Traveller's cheques. That's exactly what they were intended for. Their usage has dropped a lot since everyone can use ATMs in foreign countries, but they still exist.",
"I assume the same criteria apply for this as your previous question. You want to physically transfer in excess of 50,000 USD multiple times a w... |
9770 | How to convert coins into paper money or deposit coins into bank account, without your bank in local? | [
"237571",
"227245"
] | [
"Ask around your area. Some stores will exchange because it saves them having to go to the bank to stock up on change. Some stores have machines that will convert the coins for a small percentage fee. Some banks may do this exchange for folks who aren't customers, though that's uncommon. My solution was to open a... |
9773 | Can There Be Partial Trade Fill Percentage? | [
"236133"
] | [
"\"I place a trade, a limit order on a thinly traded stock. I want to buy 1000 shares at $10. The current price is $10.50. Someone places a market order for 500 shares. Another trader has a limit order for $10.10 for 400 shares. His order fills, and I get 100 at my price. I wait another day to see if I get any more... |
9777 | Why use ROI if I can use effective compount interest? | [
"22688"
] | [
"Yes though I'd likely put a caveat on that. If you take short-term investments and extrapolate the results to get an annual result this can be misleading. For example, if a stock goes up 10% in a month, assuming this will continue for the next 11 months may not be a great idea. Thus, beware of how much data do you... |
9778 | How to Buy “Exotic” Bonds as a Low Net Worth Individual? | [
"200052"
] | [
"\"There are discount brokers which charge lower fees, which ones are accessible to you will depend on your country. Here's a list for the USA: https://the-international-investor.com/comparison-tables/online-discount-stock-brokers-comparison-table But seriously, as a \"\"low net worth individual\"\", the last thing... |
978 | How does a tax exemption for an action = penalty for inaction? | [
"503034",
"122908"
] | [
"\"What it means is that you can always come up with alternative framings where the difference between two options is stated as a gain or a loss, but the effect is the same in either case. For instance, if I offer to sell a T-shirt for $10 and offer a cash discount of $1, you pay $10 if buying with a credit card o... |
9785 | What's the best gold investment strategy for a Singapore resident? | [
"546027"
] | [
"With gold at US$1300 or so, a gram is about $40. For your purposes, you have the choice between the GLD ETF, which represents a bit less than 1/10oz gold equivalent per share, or the physical metal itself. Either choice has a cost: the commission on the buy plus, eventually, the sale of the gold. There may be ong... |
9786 | Why is Dell currently trading above the buyout price? | [
"120606"
] | [
"Dividends would be a possible factor you are ignoring. If Dell has another quarter or two to pay out dividends that could account for some of the difference there. I don't think there is a confirmed date of when the deal is done yet other than around the end of Dell's second quarter which was in the LA Times link... |
9789 | How can I find a company's P/E ratio based on its given EPS and the P/E ratios of other companies? | [
"434625"
] | [
"\"Here is how I would approach that problem: 1) Find the average ratios of the competitors: 2) Find the earnings and book value per share of Hawaiian 3) Multiply the EPB and BVPS by the average ratios. Note that you get two very different numbers. This illustrates why pricing from ratios is inexact. How you use ... |
9790 | Why pay estimated taxes? | [
"14028",
"319434",
"141939",
"505553"
] | [
"Same argument and answer for investing instead of paying off debt, or borrowing to invest. Risk. What happens if the stocks drop by 10%? Sure, you might come out ahead on average, but a drop in the market could be catastrophic from a cash flow point of view. In addition, federal tax debt is arguably the worst kin... |
9791 | Why do some stores have card-only self-checkouts? | [
"229246"
] | [
"There are a couple of advantages that I can think of. Since the machines are less complicated because they don't have to handle cash, they are less expensive and require less maintenance. Machines that handle cash require lots of moving parts. Cash machines require lots of employee interaction. The machines need... |
9796 | Tax withheld by USA working in UK (Form 1042-S and Form 1099) | [
"263312",
"490997"
] | [
"\"The shares are \"\"imputed income\"\" / payment in kind. You worked in the UK, but are you a \"\"US Person\"\"? If not, you should go back to payroll with this query as this income is taxable in the UK. It is important you find out on what basis they were issued. The company will have answers. Where they aquired... |
9797 | Historical Stock Price Quote on delisted stock without knowing stock symbol as of quote date | [
"225818"
] | [
"You need a source of delisted historical data. Such data is typically only available from paid sources. According to my records 20 Feb 2006 was not a trading day - it was Preisdent's Day and the US exchanges were closed. The prior trading date to this was 17 Feb 2006 where the stock had the following data: Open: ... |
9798 | Two 1099B for same stock | [
"580429"
] | [
"It looks like what you're calling a name change was registered as a merger that resulted in an exchange of stock. If that's the case, then what you've been told is correct. You've got one long-term sale and one short-term sale. Based a quick read of the Form 8937 that was filed, it looks like there were multiple... |
9799 | Rolled over husband's 401(k) to IRA after his death. Can I deduct a loss since? | [
"181827",
"15728"
] | [
"First: In most cases when you inherit stocks the cost basis is stepped up to the date of the death of the person you inherited them from. So the capital gain/loss is likely reset to zero. The rules vary a bit for joint accounts, but retirement accounts (401k/ROTH) are considered individual accounts by the IRS. The... |
980 | How to Store Funds Generated through FX Trading | [
"560776"
] | [
"\"Earned income is what your software is doing, so it is taxable. So you can't really make it tax exempt. You can form a business and claim the revenues from that business as income and deduct expenses it costs you to earn that revenue. If you buy a server to run your software, then that is an acceptable expense... |
9800 | What are the tax liabilities or impact for selling gold? | [
"83947",
"557885"
] | [
"Gold is classified as a collectible so the gain rates are as follows: So you'd report a gain of $100 or $1,000 , depending on which coin you sold.",
"For reporting purposes, I would treat the purchase and sale of gold like a purchase and sale of a stock. The place to do so is Schedule D. (And if it's the wrong f... |
9801 | How to file tax for the sale of stocks from form 1099B? | [
"364219",
"444486"
] | [
"You report each position separately. You do this on form 8949. 7 positions is nothing, it will take you 5 minutes. There's a tip on form 8949 that says this, though: For Part I (short term transactions): Note. You may aggregate all short-term transactions reported on Form(s) 1099-B showing basis was reported to... |
9805 | I have $12k in a Chase checking account, but want to start earning interest/saving/investing/etc to make more money. What should I do? | [
"480036",
"351109",
"552383",
"589286",
"35518",
"450558"
] | [
"These are the basics in order: Max your employer contributions to your 401k if available Pay off any loans Contribute to an IRA Perhaps max out your 401k Look into other investment options (refinance your mortgage, buy stocks) Those are the typical rules, special situations may need specials actions...",
"Lets ... |
9806 | It's possible to short a stock without paying interest? | [
"65179",
"473477"
] | [
"\"As others have said: unless you can find someone willing to make a zero-interest loan, the answer is no. If you can figure out how to turn a \"\"0% for first N months\"\" credit card offer onto a leveraged investment or something of that sort -- seems unlikely -- maybe.\"",
"\"It is possible and it depends on... |
981 | 2016, USA banks with low/no fee for incoming OVERSEAS USD wire transfers? | [
"323389"
] | [
"\"Ally Bank $0 - from their website (emphasis mine): To receive a wire transfer from a non-U.S. bank: Incoming wire transfers from a non-US bank are processed by our designated receiving bank, JP Morgan Chase Bank, N.A. You'll need to provide the following information to the person or business sending the wire... |
9815 | Owning REIT vs owning real estate - which has a better hypothetical ROI? | [
"228657",
"568196",
"340828",
"12782"
] | [
"You've already hit on the big difference. If you buy a property, you've made a big commitment, for better or worse. If you bought wisely, you'll be very happy. If not, you could go bankrupt. An REIT spreads out the risk, but the reward isn't as great. There's less barrier to entry in buying shares of an REIT tha... |
9816 | Qualified Stock Options purtchased through my Roth IRA | [
"458063"
] | [
"\"No, you cannot. ISO are given to you in your capacity as an employee (that's why it is \"\"qualified\"\"), while your IRA is not an employee. You cannot transfer property to the IRA, so you cannot transfer them to the IRA once you paid for them as well. This is different from non-qualified stock options (discuss... |
983 | Opening offshore account from UK | [
"72375"
] | [
"\"I think your best bet here would be HSBC. They will provide the required currencies, credit/debit cards, and very easy to use online banking transfers. This includes an online \"\"Global Account View\"\" which features all of your accounts on a single screen and allows you to \"\"drag and drop\"\" money betwee... |
9830 | Selling RSUs that vested at different values | [
"430997"
] | [
"No, you're not missing anything. RSUs are pretty simple when it comes to taxes. They are taxed as compensation at fair market value when they vest, basically equivalent to the company giving you a cash bonus and then using it to buy company stock. The fair market value at vesting then becomes your cost basis. Assu... |
9832 | Why is stock dilution legal? | [
"23414",
"275392",
"108965",
"307095",
"282538",
"419505",
"57387"
] | [
"Here's another way that I look at it: Say you and me were 50-50 partners in a small business. Suppose we wanted to expand our business but that needed money. Someone (let's call him Warren) has the money we need & hence in return for the money we offer Warren an equal stake in the business. i.e. All three of us ... |
9836 | Bollinger Bands and TRENDING market | [
"536554",
"17687",
"342401"
] | [
"If upper and Bollinger bands either converge ... or diverge ..., does that mean the market is TRENDING? No - Bollinger bands measure volatility, which is an measure of how much variation there is in the price of the instrument. It does not indicate a trend which means that the instrument tends to move in a consist... |
9838 | How to decide if I should take my money with me or leave it invested in my home country? | [
"512273",
"593852"
] | [
"I will attempt to answer three separate questions here: The standard answer is that an emergency fund should not be in an investment that can lose value. The safest course of action is to put it in a savings account or other very low risk investment somewhere. This question becomes: can a reasonable and low risk ... |
984 | How do I report this cash bonus/tip on income tax return? | [
"67904",
"138985",
"377335"
] | [
"How do I report this on our income tax return? You should include it on Line 7 of your Form 1040. Additionally, you should report the extra payment to your employer if it was greater that $20. You can use From 4070 to do this if your employer does not provide you with a form. And finally, you are right, you shou... |
9840 | Where can I invest my retirement savings money, where it is safer than stocks? | [
"399543",
"322591",
"144030"
] | [
"Does your employer provide a matching contribution to your 401k? If so, contribute enough to the 401k that you can fully take advantage of the 401k match (e.g. if you employer matches 3% of your income, contribute 3% of your income). It's free money, take advantage of it. Next up, max out your Roth IRA. The lim... |
9841 | Paying over the minimum mortgage payment | [
"157414",
"323475",
"514171"
] | [
"Let's look at some of your options: In a savings account, your $40,000 might be earning maybe 0.5%, if you are lucky. In a year, you'll have earned $200. On the plus side, you'll have your $40,000 easily accessible to you to pay for moving, closing costs on your new house, etc. If you apply it to your mortgage, ... |
985 | 401(k) not fully vested at time of acquisition | [
"511240",
"505673"
] | [
"Probably not. If you were at a small company and asked such a question, you'd get advice and links to erisa or other case law, etc. it's safe to say that a Fortune 500 company such as IBM is going to have their facts in order, and not going to run afoul of the rules in these cases (vesting rules and takeover of o... |
9852 | Is there a reliable way to find, if a stock or company is heading bankruptcy? | [
"251303",
"217035"
] | [
"You can avoid companies that might go bankrupt by not buying the stock of companies with debt. Every quarter, a public company must file financials with the EDGAR system called a 10-Q. This filing includes unaudited financial statements and provides a continuing view of the company's financial position during the ... |
9853 | Is an Income Mutual Fund a good alternative to a savings account? | [
"105336",
"75270"
] | [
"\"The value will certainly fluctuate up and down (but on average gain more than a savings account), but so long as you have enough liquid assets for emergencies, then yes, it's a perfectly good alternative to savings accounts. how risky, in general, are Index Income Funds. How are you defining \"\"risk\"\"? If you... |
9859 | Do dark pools have to declare the volume transacted at the end of the day? | [
"152709"
] | [
"\"Members of the Federal Reserve System keep track of what money a bank has (if it's not in the vault), who owns what shares of stock, who owns what bond, etc. The part of the Federal Reserve System that tracks stock ownership is the Depository Trust Company (DTC). They have a group of subsidiaries that settle var... |
986 | GnuCash: Reimbursable expenses paid by credit card | [
"122030"
] | [
"\"GNUCash won't show 'Credit Card' type accounts in \"\"Process Payment\"\", as of v.2.6.1. A workaround is to create another account of type A/Payable. Then, transfer the operations you want to pay via \"\"Process Payment\"\" to this new account. It should be visible now. A drawback is that you have split your c... |
9862 | How to calculate tax amounts withheld on mixed pre-tax and Roth 401(k) contributions, and match? | [
"419558",
"423012",
"448358"
] | [
"When you adjust your investments the following will happen: Initial condition: Modified condition: This means that after this change you will note that the amount of federal tax you pay each month via withholding will go up. You are now contributing less pre-tax, so your taxable income has increased. If you make n... |
9864 | Understanding option commission costs | [
"296913",
"281223"
] | [
"From what I see, it is more like .70 per contract, with a $1 minimum (for options that trade over a dime.) IB does not provide any help, at all, so you have to know what you are doing. I use tradeking, which charges about $6 for a contract, but you can call them for help if needed. There looks to be other fees ... |
9865 | Quarterly dividends to monthly dividends | [
"96697"
] | [
"Technically you should take the quarterly dividend yield as a fraction, add one, take the cube root, and subtract one (and then multiple by the stock price, if you want a dollar amount per share rather than a rate). This is to account for the fact that you could have re-invested the monthly dividends and earned d... |
987 | How do I resolve Free Fillable Tax Form error F1040-524-01? | [
"296750"
] | [
"\"Buried on the IRS web site is the \"\"Fillable Forms Error Search Tool\"\". Rather than including an explanation of errors in the rejection email itself, you're expected to copy and paste the error email into this form, which gives more details about what's wrong. (Don't blame me; I didn't design it.) If I copy ... |
9874 | Are money market instrument and short-term debt same? | [
"101408"
] | [
"The Money Market is a place where one trades Instruments. The market is similar to that of the Stock Market. The instruments traded in Money Markets include Short Term Debt Instruments as well as FX Swap Instruments and Mortgage & Asset Backed Securities. The FX & Mortgage Securities are not Debt instruments per s... |
9876 | I own a mutual fund that owns voting shares, who gets the vote? | [
"244711"
] | [
"You will not get a vote on any issues of the underlying stock. The mutual fund owner/manager will do the voting. In 2004, the Securities and Exchange Commission (SEC) required that fund companies disclose proxy votes, voting guidelines and conflicts of interest in the voting process. All funds must make thes... |
9884 | Advice on replacing my savings account | [
"253614"
] | [
"\"Liquid cash (emergency, rainy day fund) should be safe from a loss in value. Mutual funds don't give you this, especially stock funds. You can find \"\"high yield\"\" savings accounts that are now at around .8% to .9% APY which is much better than .05% and will hopefully go up. Barclays US and American Expres... |
9885 | Take advantage of rock bottom oil prices | [
"49235",
"127566",
"189144",
"172814",
"53431"
] | [
"\"As others have alluded to but haven't said due to the lack of reputation points to spare, you can take advantage of oil prices by leveraging up and using as much credit and margin as the banks and brokerages (respectively) will lend you. People assume that the correct answer on this forum has to masquerade as co... |
9886 | Automatic investments for cheap | [
"400196",
"122679",
"536282",
"325426",
"374375"
] | [
"Almost all major no-load mutual fund families allow you to do the kind of thing you are talking about, however you may need an initial investment of between $1000 to $3000 depending on the fund. Once you have it however, annual fee's are usually very little, and the fees to buy that companies funds are usually ze... |
9887 | How can we determine how much income our savings could generate if we purchase an annuity? | [
"301600",
"20539"
] | [
"Annuity calculation formulas can be found here. http://en.wikipedia.org/wiki/Annuity_(finance_theory). In addition, as suggested in the comments, there are many sites that have calculators. Having said that, a simple financial mechanism that is followed by many is to invest a portion of the fund in regular income ... |
9888 | Making enquiries about shares | [
"63308"
] | [
"Is anything possible, and if so, how? Because of the circumstances, there is nothing you can do. You do not have the ISIN, nor are you a part-owner of the account. The information you would need is: As always, good luck."
] |
9889 | What is a reasonable rate of return and fee structure for a Roth IRA? | [
"179408"
] | [
"A Roth IRA is just an account wrapper. Inside a Roth IRA you can have a plain 0.1% savings account, or a brokerage account, or an annuity or whatever. There's no rate of return for a Roth IRA. That particular calculator seems to assume you'll be wrapping a brokerage account in a Roth IRA and investing in the sto... |
989 | Why doesn't Graham consider gold as an investment? | [
"1642"
] | [
"\"During Graham's career, gold and currency were the same thing because of the gold standard. Graham did not advise investing in currencies, only in bonds and stocks, the latter only for intelligent speculation. Graham died a couple of years after Nixon closed the gold window, ending the gold standard. Gold may b... |
9890 | What is the dividend tax rate for UK stock | [
"326559",
"370086"
] | [
"The link provided by DumbCoder (below) is only relevant to UK resident investors and does not apply if you live in Malaysia. I noticed that in a much older question you asked a similar question about taxes on US stocks, so I'll try and answer both situations here. The answer is almost the same for any country you... |
9893 | What determines deal price on stock exchange? [duplicate] | [
"250761",
"540816"
] | [
"\"Stock prices are set by bidding. In principle, a seller will say, \"\"I want $80.\"\" If he can't find anyone willing to buy at that price, he'll either decide not to sell after all, or he'll lower his price. Likewise, a buyer will say, \"\"I'll pay $70.\"\" If he can't find anyone willing to pay that price, he'... |
9896 | Roth IRA all in one fund, or not? [duplicate] | [
"250195",
"240975"
] | [
"In your case, you could very well leave it in something like FFFFX, which for readers is a self balancing fund with a target retirement date of 2040. These funds are a conglomeration of other funds that tend to move more conservatively as time passes. However, I like to put no more than 10% of my portfolio in one... |
99 | In what cases can a business refuse to take cash? | [
"474248",
"193081",
"341413",
"136662",
"153679"
] | [
"The Federal Reserve website notes that creditors must accept cash for debts on services already rendered, but that businesses may refuse cash for services not yet rendered unless prohibited by local law. The Treasury website includes examples of businesses limiting what cash they will accept: For example, a bus l... |
9901 | Capital gains tax: Retirement vehicle (IRA, 401k) vs. anything else? | [
"94496",
"74041"
] | [
"First of all, there are some differences between the retirement accounts that you mentioned regarding taxes. Traditional IRA and 401(k) accounts allow you to make pre-tax contributions, giving you an immediate tax deduction when you contribute. Roth IRA, Roth 401(k) are funded with after tax money, and a non-ret... |
9903 | Is the “Bank on Yourself” a legitimate investment strategy, or a scam? | [
"151817",
"563551",
"340371"
] | [
"\"Technically, this doesn't seem like a scam, but I don't think the system is beneficial. They use a lot of half-truths to convince you that their product is right for you. Some of the arguments presented and my thoughts. Don't buy term and invest the rest because you can't predict how much you'll earn from the \... |
9908 | How is money actually made from the buying or selling of options? | [
"72024",
"230355"
] | [
"\"Not all call options that have value at expiration, exercise by purchasing the security (or attempting to, with funds in your account). On ETNs, they often (always?) settle in cash. As an example of an option I'm currently looking at, AVSPY, it settles in cash (please confirm by reading the documentation on t... |
991 | Gift Tax and LLC with foreign partners | [
"485949"
] | [
"The LLC portion is completely irrelevant. Don't know why you want it. You can create a joint/partnership trading account without the additional complexity of having LLC. What liability are you trying to limit here? Her sisters will file tax returns in the us using the form 1040NR, and only reporting the dividends ... |
9911 | Paying taxes on dividends even though your capital gains were $0? | [
"474512",
"348424",
"138795",
"399198",
"127316"
] | [
"\"In the US, and in most other countries, dividends are considered income when paid, and capital gains/losses are considered income/loss when realized. This is called, in accounting, \"\"recognition\"\". We recognize income when cash reaches our pocket, for tax purposes. So for dividends - it is when they're paid,... |
9914 | Can we estimate the impact of a large buy order on the share price? | [
"285126",
"525231",
"67069",
"251813"
] | [
"\"I may be underestimating your knowledge of how exchanges work; if so, I apologize. If not, then I believe the answer is relatively straightforward. Lets say price of a stock at time t1 is 15$ . There are many types of price that an exchange reports to the public (as discussed below); let's say that you're refe... |
9921 | How to understand a volatility based ETF like VXX | [
"264490",
"176161"
] | [
"\"The VIX is a mathematical aggregate of the implied volatilities of the S&P 500 Index components. It itself cannot be traded as there currently is no way to only hold a position on an implied volatility alone. Implied volatility can only currently be derived from an option relative to its underlying. Further, t... |
9923 | What are the benefits of investing to IRA/Roth IRA, 401(k) in comparison to investing in long term CDs? | [
"371176",
"266783"
] | [
"First, you need to understand the difference in discussing types of investments and types of accounts. Certificate of Deposits (CDs), money market accounts, mutual funds, and stocks are all examples of types of investments. 401(k), IRA, Roth IRA, and taxable accounts are all examples of types of accounts. In gener... |
9931 | How to understand expenses matter relative to investment type for mutual funds? | [
"361013"
] | [
"The net return reported to you (as a percentage) by a mutual fund is the gross return minus the expense ratio. So, if the gross return is X% and the expense ratio is Y%, your account will show a return of (X-Y)%. Be aware that X could be negative too. So, with Y = 1, If X = 10 (as you might get from a stock fund... |
9933 | Why invest in IRA while a low-cost index fund is much simpler? | [
"199544",
"272458",
"419160",
"422119",
"353337"
] | [
"Is that basically it? Trading off between withdrawing-anytime vs paying-capital-gain-tax? No. Another significant factor is dividends. In an IRA they incur no immediate tax and can be reinvested. This causes the account value to compound over the years. Historically, this compounding of dividends provides about ha... |
9946 | If I can be claimed as a dependent, what do I do without my parent's tax information? | [
"204703"
] | [
"The request for your parent's income comes from Form 8615, Tax for Certain Children Who Have Unearned Income. I typically see this form appear as I'm doing my daughter's taxes and start to enter data from stock transactions. In other words, your earned income is your's. But if you are a dependent, or 'can be,' th... |
9949 | Most important skills needed to select profitable stocks | [
"23387",
"376179",
"542889"
] | [
"\"You need to have 3 things if you are considering short-term trading (which I absolutely do not recommend): The ability to completely disconnect your emotions from your gains and losses (yes, even your gains but especially your losses). The winning/losing on a daily basis will cause you to start taking unnecessar... |
995 | How to calculate S corporation distribution from past K-1s? | [
"231719",
"63047"
] | [
"Phil's answer is correct. Just to add to his response: Distributions are not taxable events -- you already paid your taxes, so you can take out $50k or $52k and the IRS is not concerned. You can simply write yourself a check for any amount you choose! To answer your specific question: to match your K1 losses and p... |
9953 | Nasdaq vs Nasdaq Trade Reporting Facility | [
"215260"
] | [
"\"You can infer some of the answers to your questions from the BATS exchange's market data page and its associated help page. (I'm pretty sure a page like this exists on each stock exchange's website; BATS just happens to be the one I'm used to looking at.) The Matched Volume section refers to all trades on a giv... |
9955 | How's the graph of after/pre markets be drawn? | [
"202913",
"218670"
] | [
"Graphs are nothing but a representation of data. Every time a trade is made, a point is plotted on the graph. After points are plotted, they are joined in order to represent the data in a graphical format. Think about it this way. 1.) Walmart shuts at 12 AM. 2.)Walmart is selling almonds at $10 a pound. 3.) Wal... |
9956 | Why do stocks tend to trade at high volumes at the end of (or start) the trading day? | [
"230456",
"295344",
"190619",
"348886",
"149420"
] | [
"\"Trading at the start of a session is by far higher than at any other time of the day. This is mostly due to markets incorporating news into the prices of stocks. In other words, there are a lot of factors that can affect a stock, 24 hours a day, but the market trades for only 6.5 hours a day. So, a lot of news a... |
9957 | My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? | [
"599255",
"46099",
"335136",
"545760",
"174227",
"99568"
] | [
"Around Oct 03 2010 the SPY closed at 113. Today it is trading at 130. After four months, that means that the S&P is up 15% over that particular 4 month period. You said you need something pretty low maintenance, and you are comparing your returns to the S&P 500 (which as @duffbeer703 points out is a good thing t... |
9958 | Are index-tracking ETF popular in Japan? | [
"59994"
] | [
"The Japanese stock market offers a wide selection of popular ETFs tracking the various indices and sub-indices of the Tokyo Stock Exchange. See this page from the Japan Exchange Group site for a detailed listing of the ETFs being offered on the Tokyo exchange. As you have suggested, one would expect that Japanese... |
996 | Pre-valuation of the company | [
"204541"
] | [
"The value of the company is ill-defined until it actually has some assets and/or product. You give the investors whatever equity stakes you and they negotiate as appropriate for their investment based on how convinced they are by your plan and how badly you need their money."
] |
9962 | Why does it seem unnecessary to fully save for irregular periodic expenses? | [
"488777",
"372196",
"96074",
"200578"
] | [
"\"I think we'd need to look at actual numbers to see where you're running into trouble. I'm also a little confused by your use of the term \"\"unexpected expenses\"\". You seem to be using that to describe expenses that are quite regular, that occur every X months, and so are totally expected. But assuming this is... |
9964 | How do you calculate the rate of return (ROR) when buying and selling put options? | [
"525094",
"402778",
"478480"
] | [
"\"RoR for options you bought is fairly easy: (Current Value-Initial Cost)/Initial Cost gives you the actual return. If you want the rate of return, you need to annualize that number: You divide the return you got above by the number of days the investment was in place, and then multiply that number by the number o... |
9965 | Can somebody give a brief comparison of TSP and IRAs? | [
"522160",
"54319"
] | [
"Ideally, one would contribute the maximum amount you're allowed to both the TSP and an IRA. For the 2015 tax year, that would be $18,000 for the TSP and $5,500 for the IRA (if you're 50 or older, then you can add an additional catch up amount of $6,000 to the TSP and $1,000 to the IRA). If, like most people, you c... |
9971 | ESPP advantages and disadvantages | [
"457795",
"11675",
"15030",
"294573",
"54064"
] | [
"The typical deal is you can put 10% of your gross pay into the ESPP. The purchase will occur on the last deposit date, usually a 6 month period, at a 15% discount to the market price. So, the math is something like this: Your return if sold the day it's purchased is not 15%, it's 100/85 or 17.6%. Minor nitpick on... |
9973 | Any reason to keep IRAs separate? | [
"463007",
"60119",
"439402"
] | [
"I don't know about keeping different rollover IRAs separate. But I know that there is a reason to keep rollover IRAs separate from other traditional IRAs -- if you want to roll them back into a 401(k) in the future, some 401(k)s only allow funds that were rolled over from a 401(k) originally.",
"Can't see why wo... |
9978 | Renting or Buying an House | [
"306413",
"315972",
"4739",
"15539"
] | [
"When you sell a house around between 7-10% of the sales price will go to various fees. Mostly to the agents, but also to county fees, city fees, deed tax, and possibly covering closing costs for the buyers. So if you sell a $400k house for the same price you buy, just in fees, you're out $40k. Mortgages are struct... |
9981 | Why having large capital is advantageous to trading | [
"167753",
"46529",
"588398"
] | [
"Excess capital is the primary means of navigating around a trade which is moving against you. In a very basic case, consider a long position moving against you. With additional capital you could average in as the price drops or you could write options against your position. If you don't have the capital to handle ... |
9984 | How should I be investing in bonds as part of a diversified portfolio? | [
"549270",
"269550"
] | [
"For most people, you don't want individual bonds. Unless you are investing very significant amounts of money, you are best off with bond funds (or ETFs). Here in Canada, I chose TDB909, a mutual fund which seeks to roughly track the DEX Universe Bond index. See the Canadian Couch Potato's recommended funds. Now, y... |
9985 | How should I utilize my money as I begin grad school? | [
"385600"
] | [
"For some ideas on investing priority guidelines, see Oversimplify it for me: the correct order of investing. Congratulations on being debt free! My advice to you is to do what you can to remain debt free. You could certainly invest the money; it will earn much more over the long-term in a stock mutual fund than i... |
9990 | Do I need to invest to become millionaire? | [
"423083",
"41960",
"191148"
] | [
"\"I get the sense that this is a \"\"the world is unfair; there's no way I can succeed\"\" question, so let's back up a few steps. Income is the starting point to all of this. That could be a job (or jobs), or running your own business. From there, you can do four things with your income: Obviously Spend and Give... |
9995 | Withdrawing cash from investment: take money from underperforming fund? | [
"423229",
"422401",
"442727",
"488719",
"137852"
] | [
"It looks like the advice the rep is giving is based primarily on the sunk cost fallacy; advice based on a fallacy is poor advice. Bob has recognised this trap and is explicitly avoiding it. It is possible that the advice that the rep is trying to give is that Fund #1 is presently undervalued but, if so, that is a ... |
9996 | $1.44 million in holdings: Help my non-retired, 80-year-old dad invest it | [
"472881"
] | [
"This is not the answer you were hoping for. I recommend that you stay out of it and let your parents do what they want with their money. They are obviously very good savers and very thrifty with their money. At this point, they likely have more money than they need for the rest of their lives, even if it doesn't... |
9997 | Will anything happen to me if the AMT is not re-established before 2011? | [
"55407",
"144439"
] | [
"According to pages 6 & 7 of the instructions for form 1040 in 2009 AMT was only temporarily patched for the year. Congress can't politically afford to drastically cut AMT exemptions by 30 to 40%, and may even retroactively change it, if it isn't passed by the end of the year (despite the constitution forbidding ex... |
9999 | Iraqi Dinars. Bad Investment, or Worst Investment? | [
"232870",
"465597",
"540011"
] | [
"\"Iraq is a US vassal/puppet state. I'm not sure what 500 South Vietnamese Dong were worth in 1972, but today the paper currency is worth $10 in mint condition. I'd suggest blackjack or craps as an alternate \"\"investment\"\".\"",
"\"Currency, like gold and other commodities, isn't really much of an investment ... |
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