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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of self-select stocks & shares ISA providers? ### Answer: Try fool.co.uk for getting more information about ISAs: Everything You Need To Know About ISAs ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of self-select stocks & shares ISA providers? ### Answer: http://www.moneysupermarket.com/shares/CompareSharesForm.asp lists many. I found the Interactive Investor website to be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of self-select stocks & shares ISA providers? ### Answer: I'm currently using Halifax. Pros: Cons: I'm might start using TD Waterhouse in future, as they claim to have no admin ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a list of self-select stocks & shares ISA providers? ### Answer: My go-to response whenever anyone asks me this is the Monevator table of platform fees. It looks a little complicated a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Related Hedges (How do they work?) ### Answer: In this type of strategy profit is made when the shares go down as your main position is the short trade of the common stock. The convertible instruments...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are taxes on actively managed funds higher than those on index funds? ### Answer: This depends on the particular index, of course. Capital gains taxes occur when stock is sold (for a profit). This...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are taxes on actively managed funds higher than those on index funds? ### Answer: First, consider what causes taxes to apply to a mutual fund, index or actively managed. Dividends and capital gai...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the purpose of a Share owner services? ### Answer: Wells Fargo Shareowner Services main job is as a Transfer Agent and Dividend Paying Agent. They work on behalf of a company (say Acme Inc.) t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does the wash sale rule work in this situation? ### Answer: The way the wash sale works is your loss is added to your cost basis of the buy. So suppose your original cost basis is $10,000. You t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to buy TurboTax Premier over Deluxe if I sold investments in a taxable account? ### Answer: For tax year 2014, TurboTax Deluxe no longer supports Schedule D.* TurboTax Premier is requi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to buy TurboTax Premier over Deluxe if I sold investments in a taxable account? ### Answer: Here are the lists for the tax forms that Deluxe and Premier include. I think you'll be fine ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to buy TurboTax Premier over Deluxe if I sold investments in a taxable account? ### Answer: I have found that using the online version can help determine the correct product. Try Delux...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth it to buy TurboTax Premier over Deluxe if I sold investments in a taxable account? ### Answer: I have used turbo tax for years. Apart from the snafu in 2014, I have had no problem using d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does an enlarged share base affect share price? ### Answer: Most of the time when a stock splits to create more shares, it is done to bring the price per share down to a level that makes potential...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes on foreign and local dividends held in a TFSA ### Answer: As far as I read in many articles, all earnings (capital gains and dividends) from Canadian stocks will be always tax-free. Right? T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bond ETFs as a means to achieve risk parity ### Answer: How is it possible that long term treasury bonds, which the government has never defaulted on, can hold more risk as an ETF then the stock marke...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why adjust for inflation annually, as opposed to realising it after the holding period? ### Answer: I would use neither method. Taking a short example first, with just three compounding periods, with...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy a vertical spread if I could instead buy a naked call? ### Answer: Figured it out. Vertical spreads significantly reduce the amount of "buying power" on the account needed vs. buying / sellin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy a vertical spread if I could instead buy a naked call? ### Answer: Question: are you saying that buying a call is better than buying a vertical spread regardless of fees, or only because of fe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why buy a vertical spread if I could instead buy a naked call? ### Answer: Late to the party, but it's just improving your cost basis in a defined risk trade even further. If you want to put up less r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does “cash in lieu of dividend” incur any tax consequences in an IRA? ### Answer: In a (not Roth) IRA, withdrawals are generally already taxed as regular income. So there should be no tax disadvantage...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would I vote for an increase in the number of authorized shares? ### Answer: I'll skip the "authorizing...." and go right to uses of new shares: Companies need stock as another liquid asset for a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would I vote for an increase in the number of authorized shares? ### Answer: Why would I want to approve an increase in the number of authorized shares? Because you trust management to use those s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would I vote for an increase in the number of authorized shares? ### Answer: As a common shareholder, why would I want to approve an increase in the number of authorized shares?" Because it could ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Book Value vs Market Value of PWT.TO ### Answer: Have you looked at what is in that book value? Are the assets easily liquidated to get that value or could there be trouble getting the fair market val...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging apply when moving investments between fund families? ### Answer: As mentioned by others, dollar cost averaging is just a fancy term for how many shares your individual purch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging apply when moving investments between fund families? ### Answer: Dollar cost averaging doesn't (or shouldn't) apply here. DCA is the natural way we invest in the market, buy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging apply when moving investments between fund families? ### Answer: The first step I would do is determine the asset class mixture for your current portfolio and the mixture fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to dispute a wash sale? ### Answer: The IRS has been particularly vague about the "substantially identical" investment part of the wash rule. Many brokers, Schwab for instance, say tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: taxes, ordinary income, and adjusted cost basis for RSUs ### Answer: What happened is that they do not track (and report) your original cost basis for 1099-B purposes. That is because it is an RSU. In...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: taxes, ordinary income, and adjusted cost basis for RSUs ### Answer: The sale of shares on vesting convolutes matters. In a way similar to how reinvested dividends are taxed but the newly purchased fu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Evaluating worth of ESPP (Startup) ### Answer: You have a lot of different questions in your post - I am only responding to the request for how to value the ESPP. When valuing an ESPP, don't think abo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? ### Answer: Why do people keep talking about 401K's at work? That is NOT dollar cost aver...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? ### Answer: Dollar cost averaging is a great strategy to use for investment vehicles where...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? ### Answer: How often should one use dollar-cost averaging? Trivially, a dollar cost avera...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to? ### Answer: Dollar cost averaging can be done in a retirement plan, and can be done for in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About eToro investments ### Answer: If it's money you can lose, and you're young, why not? Another would be motifinvesting where you can invest in ideas as opposed to picking companies. However, blin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: About eToro investments ### Answer: For eToro, just like any other brokerage firm, you can lose your entire capital. I suggest that you invest in one or more exchange-traded funds that track major ind...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 40 year old A and J makes 1M a year. What is the best investment to save on tax? ### Answer: There is nothing legal you can do in the United States to avoid the tax burden of income earned as an emplo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in a company after you quit ### Answer: US law dictates that you cannot buy / sell shares in a company you work for except during open trading windows. I understand lockout periods w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in a company after you quit ### Answer: Insider trading is when you buy or sell an investment based on material, non-public information that gives you an unfair advantage over the rest o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I track investment performance in Quicken across rollovers? ### Answer: Hmm, this site says If you use Quicken, you enter a new transaction of type "Corporate Acquisition (stock for stock)." Yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Determine share price from S-1 for company that was bought before going public ### Answer: The value of a share depends on the value of the company, which involves a lot more than the value of its ass...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Determine share price from S-1 for company that was bought before going public ### Answer: To add to @keshlam's answer slightly a stock's price is made up of several components: the only one of these ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ESPP cost basis and taxes ### Answer: If the $882 is reported on W2 as your income then it is added to your taxable income on W2 and is taxed as salary. Your basis then becomes $5882. If it is not rep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ESPP cost basis and taxes ### Answer: This answer fills in some of the details you are unsure about, since I'm further along than you. I bought the ESPP shares in 2012. I didn't sell immediately, but...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: I know this is heresy but if you have funds for significantly more than 6 months of expenses (let's say 12 months), how risky would i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: Keeping your “big emergency” fund in stocks if you have 12 months income saved is OK. However you should keep your “small emergency” ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: There's something very important no one else has mentioned... times when the stock market falls dramatically are often the times when y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: I've read the answers and respect the thought behind them. I'd like to focus on (a) the magnitude of the emergency, and (b) the saving...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: A major danger of keeping "emergency" funds in the form of stocks is that many of the scenarios where one would need quick access to th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: This is basically the short-term/long-term savings question in another form: savings that you hope are long-term but which may turn sho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: From mid 2007 to early 2009 the DJI went down about 50 %. This market setback won't happen on a single day or even a few weeks. Emerge...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How risky is it to keep my emergency fund in stocks? ### Answer: I do this very thing, but with asset allocation and risk parity in mind. I disagree with the cash or bust answers above, but many of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean for issuing corporations to “crank out expensive shares when markets are frothy … and issue debt when markets are cheap”? ### Answer: crank out expensive shares when markets are frot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I invest in securities denominated in a foreign currency, should I hedge my currency risk? ### Answer: Like most other investment decisions - it depends. Specifically in this case it depends upon y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I invest in securities denominated in a foreign currency, should I hedge my currency risk? ### Answer: No. This is too much for most individuals, even some small to medium businesses. When you se...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I invest in securities denominated in a foreign currency, should I hedge my currency risk? ### Answer: As the other answer already states, whether you should or shouldn't currency-hedge your equity...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I invest in securities denominated in a foreign currency, should I hedge my currency risk? ### Answer: So far we have a case for yes and no. I believe the correct answer is... maybe. You mention t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are RSU's factored into Income during loan qualification? ### Answer: RSUs are not "essentially cash". "R" in the RSU stands for restricted. These awards have strings attached, and as long as the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are RSU's factored into Income during loan qualification? ### Answer: Long ago when I was applying for my first mortgage I had to list all my income and assets. At the time I had some US Savings B...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered Call Writing - What affects the price of the options? ### Answer: All else being equal, you should look for more volatile (riskier) stocks. Technically, it was all time value - the entire valu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered Call Writing - What affects the price of the options? ### Answer: Here are some things to consider if you want to employ a covered call strategy for consistent returns. The discussion also app...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered Call Writing - What affects the price of the options? ### Answer: Matthew - what was the stock price and strike price of the option when you did this? I've never seen an at-the-money strike wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Covered Call Writing - What affects the price of the options? ### Answer: There are some excellent responses to this question at the time of this post. I have had the greatest success writing 1-month ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I find out the Earnings Per Share of a Coca Cola Co Share? ### Answer: You're missing a very important thing: YEAR END values in (U.S.) $ millions unless otherwise noted So 7098 is not $7,098. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I find out the Earnings Per Share of a Coca Cola Co Share? ### Answer: Market cap should be share price times number of shares, right? That's several orders of magnitude right there... ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stochastic Oscillator for Financial Analysis ### Answer: When using the Stochastic Indicator your basic aim is to buy (go long) when the stochastic becomes oversold (goes below 20%) and then the %K li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stochastic Oscillator for Financial Analysis ### Answer: While trading in stochastic I've understood, one needs reference (SMA/EMA/Bolinger Band and even RSI) to verify trade prior entering it. Stocha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are mutual funds a good choice for a medium to low risk investment with a two year horizon? ### Answer: First, you don't state where you are and this is a rather global site. There are people from Ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are mutual funds a good choice for a medium to low risk investment with a two year horizon? ### Answer: I assume you mean Stock Mutual funds. 2008 wasn't that long ago. Down 37%. 07/08 combined were ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do capital gains get factored into AGI? ### Answer: I believe that capital gains do affect AGI, but if she sells $40k of stock, then the AGI doesn't go up by $40k, it only goes up by the gains (gross ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a contract's worth mean? ### Answer: The amount stated is the total amount of money the customer will be paying to the company. How much profit that will translate into is dependent on the t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a contract's worth mean? ### Answer: $400M is the gross "check" the company will receive as payment for the project. The contract will specify payment schedule. And it can range from a payme...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a contract's worth mean? ### Answer: It means $400m expected revenue, likely spread out over multiple years as it gets implemented, and not entirely guaranteed to happen as they still need t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does shorting ETFs work? What are the costs and tax implications? ### Answer: No, the expense ratio would be something you wouldn't be charged. If you bought shares of the ETF long, then the divid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should my retirement portfolio imitate my saving portfolio? ### Answer: One big pie chart. Traditional (pretax) 401(k) and IRA, Roth 401(k) and IRA, and non-tax favored accounts. All of these need to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should my retirement portfolio imitate my saving portfolio? ### Answer: Short Answer: Length of Time invested and risk should be correlated. From what I am hearing this is pretty good game plan for yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Direct access to the currency exchange market ### Answer: Is my observation that the currency exchange market is indirect correct? Is there a particular reason for this? Why isn't currency traded like...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Selling non-dividend for dividend stocks ### Answer: Is selling Vested RSU is the same as selling a regular stock? Yes. Your basis (to calculate the gain) is what you've been taxed on when the RSUs ve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do UK Gilts interest rates and repayments work? ### Answer: A title such as "5% Treasury Gilt 2020" expresses the nominal yield. In other words, 5% is the yield you will receive if you are able t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do UK Gilts interest rates and repayments work? ### Answer: The name of the Gilt states the redemption date, but not the original issue date. A gilt with 8.75% yield and close to its redemption da...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are american call options more valuable than european options ONLY if the underlying asset pays cash flows? ### Answer: Really all you need to know is that American style can be exercised at any p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When are stop market/limit orders visible on the open market? ### Answer: From the non-authoritative Investopedia page: A stop-limit order will be executed at a specified price, or better, after a giv...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to diversify IRA portfolio given fund minimum investments and IRA contribution limits? ### Answer: There are fund of funds,e.g. life cycle funds or target retirement funds, that could cover a lot ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to diversify IRA portfolio given fund minimum investments and IRA contribution limits? ### Answer: If you have other savings, the diversification occurs across the accounts. e.g. my 401(k) has acc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to diversify IRA portfolio given fund minimum investments and IRA contribution limits? ### Answer: Many mutual fund companies (including Vanguard when I checked many years ago) require smaller min...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which type of investments to keep inside RRSP? ### Answer: Everything else can be held inside or outside your registered account depending on your investment or tax needs ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which type of investments to keep inside RRSP? ### Answer: Milliondollarjourney.com has a couple of articles on this topic. How Investing Taxes Work part 1 and part 2. The following is a summary of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I track 401k rollovers in Quicken? ### Answer: When I did this I sold the stock out of my 401k account. Then transferred the cash to my rollover IRA account. No tax event was created for me. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I track 401k rollovers in Quicken? ### Answer: You definitely should NOT do what you are doing now (#2) since this is not a reflection of what actually is going on. (Unless you actually did tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why doesn't a mutual fund in my 401(k) have a ticker symbol? ### Answer: That share class may not have a ticker symbol though "Black Rock MSCI ACWI ex-US Index" does have a ticker for "Investor A" sha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking for suggestions for relatively safe instruments if another crash were to happen ### Answer: One approach is to invest in "allocation" mutual funds that use various methods to vary their asset ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking for suggestions for relatively safe instruments if another crash were to happen ### Answer: Nobody has a "crash proof" portfolio -- you can make it "crash resistant". You protect against a cra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does Degiro charge per order or per transaction? ### Answer: An order is not a transaction. It is a request to make a transaction. If the transaction never occurs (e.g. because you cancel the order)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 30-year-old saved $30,000: what should I do with it? ### Answer: First, two preliminaries, to address good points people made in comments. As AbraCadaver noted, before you move your $30k to something ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do passive ETFs require so much trading (and incur costs)? ### Answer: Now, if I'm not mistaken, tracking a value-weighted index is extremely easy - just buy the shares in the exact amount they ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying under my bid price ### Answer: It definitely depends on the exchange you are trading on. I'm not familiar with Scottrade, but a standard practice is to fulfill limit orders in the order they ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finance, Social Capital IPOA.U ### Answer: (See also the question How many stocks I can exercise per stock warrant? and my comments there). Clearly, at the prices you quote, it does not seem sensible ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Going long vs short, mechanisms involved ### Answer: My instinct says that there should be no difference. Your instincts are right. Your understanding of math is not so much. You sold $100K at the cur...