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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is engaging in stocks without researching unwise? ### Answer: I don't see balance sheet in what you're looking at, and I'd definitely suggest learning how to read a balance sheet and looking at it, if...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short-term robots and long-term investors in the stock market ### Answer: Consider the price history to be the sum of short term movements and long term movements. If you hold a stock for a long time ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short-term robots and long-term investors in the stock market ### Answer: ....causes loses [sic] to others. Someone sells you a stock. The seller receives cash. You receive a stock certificate. Thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How did this day trader lose so much? ### Answer: The day trader in the article was engaging in short selling. Short selling is a technique used to profit when a stock goes down. The investor borrow...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How did this day trader lose so much? ### Answer: Learn something new every day... I found this interesting and thought I'd throw my 2c in. Good description (I hope) from Short Selling: What is Short ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How did this day trader lose so much? ### Answer: He didn't sell in the "normal" way that most people think of when they hear the term "sell." He engaged in a (perfectly legitimate) technique known as...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Benefits of Purchasing Company Stock at a Discount ### Answer: Typically, the discount is taxable at sale time But what about taxes? When the company buys the shares for you, you do not owe any t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Benefits of Purchasing Company Stock at a Discount ### Answer: If your purchases are done at year end, but the money withheld over that 12 month period, the 17% return is for an average time of 6 mont...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why companies appear in several stock exchanges? ### Answer: If I buy the one from NSY, is it the "real" Sinopec? No - you are buying an American Depository Receipt. Essentially some American bank or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why companies appear in several stock exchanges? ### Answer: The case you are looking at is rather special, because the Chinese government for the longest time did not allow foreigners to invest in Ch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Approach to share options in the UK ### Answer: I'm in the US, so there may be idiosyncrasies with UK taxes that I'm not familiar with, but here's how I've always treated stock I get as compensation. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Approach to share options in the UK ### Answer: When your options vest, you will have the option to buy your company's stock at a particular price (the strike price). A big part of the value of the op...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes on selling stock ### Answer: You realise a capital gain as soon as you sell the stock. At that point, you will have to pay taxes on the profits when you fill in your tax return. The fact that yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes on selling stock ### Answer: You can keep the cash in your account as long as you want, but you have to pay a tax on what's called capital gains. To quote from Wikipedia: A capital gain is a pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Taxes on selling stock ### Answer: @BlackJack does a good answer of addressing the gains and when you are taxed on them and at what kind of rate. Money held in a brokerage account will usually be in a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to sell company stock to pay down a mortgage? ### Answer: If by "Company Stock" you mean "stock in the company I work for" then absolutely sell your stock. It is too big a risk to have you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it wise to sell company stock to pay down a mortgage? ### Answer: Simply if your stock is still rising in price keep it. If it is falling in price sell it and pay off your mortgage. To know when to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is meant by a market that is technically strong ### Answer: A technically strong stock or market is simply a stock or market which is up-trending and has been up-trending for a while. Just as a f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between trading and non-trading stock? ### Answer: Every company has Stocks. For the stocks to be traded via some stock exchange, the companies must follow the eligibility cri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the difference between trading and non-trading stock? ### Answer: A non-trading stock or non-marketable security or unlisted security is one that does not trade continually on an exchange. For...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: RSU taxation: when am I taxed, and how much? ### Answer: Restricted Stock Units are different from stock options because instead of buying them at a particular strike price, you receive the actual sha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do deep in the money options trade below their intrinsic value? ### Answer: You made 94$ on an investment of 554.80 *100 = 55480$ for an approx holding period of 1 year. So the % return is ~0.16%,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I invest my money as a young graduate in Europe? ### Answer: Using a simple investment calculator to get a sense of scale here, to have 70k total, including the 500 a month invested, after ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I invest my money as a young graduate in Europe? ### Answer: Before starting with investing, you should make sure you are saving enough. Living in a welfare country (France) does not exemp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to deal with IRS response of no action to 83(b) election? ### Answer: I think you should consult a professional with experience in 83(b) election and dealing with the problems associated with that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As a beginner investor, should I start investing with mutual funds through my bank, or with an online broker? ### Answer: What is the best option to start with? and I am not sure about my goals right...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Starting a new job. Help me with retirement/debt planning please! ### Answer: I would go with your alternative idea: get rid of the debt as fast as possible. You have $32k of debt. It's a lot, but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Starting a new job. Help me with retirement/debt planning please! ### Answer: Your initial plan (of minimizing your interest rate, and taking advantage of the 401(k) match) makes sense, except I would...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth having a pension? ### Answer: Paying someone to look after your money always costs something - it doesn't matter whether you're inside a pension or not. Fees are highest for "actively mana...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth having a pension? ### Answer: It all depends on whether you can manage your money or not. Many people are incapable of doing so in a responsible way. Like any service, you get what you pay...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it worth having a pension? ### Answer: On the face of it, it doesn't look like a very good deal - neither pension not annuity company are in it for the fun of it, so they'll take their cut from you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What type of pension should I get? ### Answer: If your new employer has a Final Salary or defined benefit type pension scheme, join it. DB plans are attractive because they are often less a risk for t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What type of pension should I get? ### Answer: It's best to roll over a pension plan, you don't want to pay the penalties especially when you are young. Rolling over into another scheme, or rolling ov...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Further Understanding of Wash Sale Rules ### Answer: Disallowed losses due to the wash sale rule are added to the basis of the repurchased shares. In your example, on day two you paid $0.70 per share...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Further Understanding of Wash Sale Rules ### Answer: Once you own no shares for 31 days, it's game over. Even though the accounting has wash sales to consider, in the end, gains and losses all cancel ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can cold-callers know about my general financial status ### Answer: The cold caller is just a different way to contact you compared to the junk mail that they send. The business gets information ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can cold-callers know about my general financial status ### Answer: There are multiple social engineering ways. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can cold-callers know about my general financial status ### Answer: Just a note about cold callers: I own a phone which I use solely for software development purposes. It has a SIM card that I bou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this legal: going long on call options and artificially increasing the price of the underlying asset seconds before expiration? ### Answer: Despite the fact that I think there is a litany of inaccu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is this legal: going long on call options and artificially increasing the price of the underlying asset seconds before expiration? ### Answer: This can be done, you can be prosecuted for some forms of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: logistical details of interest and dividend payments on assets traded on the secondary market? ### Answer: To Many question and they are all treated differently. I was wondering how the logistics of i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the best, low risk investment I can make now? ### Answer: TL;DR - go with something like Barry Ritholtz's All Century Portfolio: 20 percent total U.S stock market 5 percent U.S. REITs 5 percen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the best, low risk investment I can make now? ### Answer: First of all, bear in mind that there's no such thing as a risk-free investment. If you keep your money in the bank, you'll struggle t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the tax treatment of scrip dividends in the UK? ### Answer: I wrote about this in another answer: You can sell the scrip dividend in the market; the capital gain from this sale may fall below ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the tax treatment of scrip dividends in the UK? ### Answer: The HMRC website says: Stock dividends are treated as income by virtue of CTA10/S1049, and taxable as savings income under Chapter 5...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the tax treatment of scrip dividends in the UK? ### Answer: The HMRC website would explain it better to you. There is a lot of factors and conditions involved, so refer to the HMRC website for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a company have 2 listings on the same exchange? ### Answer: A company can issue different kinds of shares. For example, some kinds of shares may get preference in dividends or payment in eve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a company have 2 listings on the same exchange? ### Answer: Some companies like Royal Dutch Shell have multiple share classes to suit the tax regimes in Holland and the UK the A shares have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could cause a stock to trade below book value? ### Answer: A company's stock value is indicative of the market's collective belief of the future of the company. The relationship of between price ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could cause a stock to trade below book value? ### Answer: Discrepancies between what the book value is reported as and what they'd fetch if sold on the open market. Legal disputes in court. ###e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could cause a stock to trade below book value? ### Answer: The key to evaluating book value is return on equity (ROE). That's net profit divided by book value. The "value" of book value is measu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What could cause a stock to trade below book value? ### Answer: all of these examples are great if you actually believe in fundamentals, but who believes in fundamentals alone any more? Stock prices a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Difference between Vanguard sp500 UCITS and Vanguard sp500 ### Answer: The main difference is that VOO trades on US stock exchanges while VUSA/VUSD trade on the London Stock Exchange. (VUSA is listed...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What if I sell an stock that is going to give an stock dividend after the ex-date but before the payable date ### Answer: I know that in the case of cash dividends I will get the dividend as long as I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What if I sell an stock that is going to give an stock dividend after the ex-date but before the payable date ### Answer: Here's what Investopedia says about payouts for ex-dividend stocks: A stock tr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why and why would/wouldn't a company split their stock? ### Answer: From Investopedia, A stock split is usually done by companies that have seen their share price increase to levels that are either ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why and why would/wouldn't a company split their stock? ### Answer: A reason not to split your stock is that the value of the company might fall back again, and if its stock price falls below $1 it wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why and why would/wouldn't a company split their stock? ### Answer: The reason to do a stock split is to get the price of the stock down to an affordable range. If your stock costs $100,000 per share,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating Future and Present value into mortgage comparisons ### Answer: Keep in mind the number of months or years before you break even. You pay money to lower the interest rate, and lower the mon...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating Future and Present value into mortgage comparisons ### Answer: You mentioned 15-20 years in your comment on mhoran_psprep's response. This is the most important factor to consider in the p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating Future and Present value into mortgage comparisons ### Answer: Using the fact that you'd save $160/mo by spending $7000, I'd look at it this way - If I were to lend you the $7000 at 12%/y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frequency of investments to maximise returns (and minimise fees) ### Answer: Okay, I think I managed to find the precise answer to this problem! It involves solving a non-linear exponential equation, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Frequency of investments to maximise returns (and minimise fees) ### Answer: Wow, this turns out to be a much more difficult problem than I thought from first looking at it. Let's recast some of the v...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Purchasing ETFs when (pretty much) everything else is maxed out ### Answer: Most ETFs are index funds, meaning you get built in diversification so that any one stock going down won't hurt the overall ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Limiting Fees for Monthly Contributions ### Answer: First off, I think you are on the right path not paying 3% to a broker; that sort of fee reduces the money you earn significantly in the long term. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Quote driven and order driven financial markets ### Answer: - In a quote driven market, must every investor trade with a market maker? In other words, two parties that are both not market maker...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Filing taxes on stocks ### Answer: Generally stock trades will require an additional Capital Gains and Losses form included with a 1040, known as Schedule D (summary) and Schedule D-1 (itemized). Tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Filing taxes on stocks ### Answer: You need to talk to an accountant who practices tax accounting, preferaby someone who is an Enrolled Agent (EA) with the IRS, and possibly an attorney who specialize...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Filing taxes on stocks ### Answer: You need to submit an updated return. The problem is that once three years have passed you can't update the return to get any kind of refund, but if they are going a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: question about early exercise of a NQSO ### Answer: Now assume these shares are vested, held for at least 1 year, and are then sold for $5 each. Everything I've read implies that the grantee now o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I place my savings in to limit my exposure to the risk of European bank failures and sovereign debt defaults? ### Answer: You're talking about money in a savings account, and avoiding the ri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to dollar-cost-average with a large amount of money in a savings account? ### Answer: DCA is not 10%/day over 10 days. If I read the objective correctly, I'd suggest about a 5 year plan. It's diff...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to dollar-cost-average with a large amount of money in a savings account? ### Answer: I up voted JoeTaxpayer but i would like add a couple of things. Dollar Cost averaging over a 5 day period is i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What pension options are there for a 22 year old graduate in the UK? ### Answer: Major things to consider: If you're expecting to look at the property market: it might prove to be sensible to start do...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What pension options are there for a 22 year old graduate in the UK? ### Answer: I wouldn't go into a stock market related investment if you plan on buying a house in 4-5 years, you really need to tie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dividend yeild per unit ### Answer: $36 dividend/900 DJIA = 4% 5.5% bond yield = ($36 dividend/660 DJIA) Graham wrote this at a very different time in financial markets- interest rates were much highe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dividend yeild per unit ### Answer: I am also confused by what he says. The DJIA has not been at 900 for decades. However a $36 dividend is 4% per unit if you get $9 per unit per quarter. 2/3 of 4% is...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the average cost of a portfolio on a trading site? ### Answer: It sounds for the most part you are a 'buy and hold' type investor and continue to contribute monthly. I follow the same philoso...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Intro to Investment options for a Canadian ### Answer: I got started by reading the following two books: You could probably get by with just the first of those two. I haven't been a big fan of the "fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is an investor of a startup subjected under a vesting schedule? ### Answer: Recently, I asked about what the company valuation is and how many shares does my 4% represent.CFO told me that there is n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is an investor of a startup subjected under a vesting schedule? ### Answer: As a start-up, the initial shares can be given at various price points. So essentially they can give someone a larger percen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do freight derivatives like Forward Freight Agreements (FFAs) work? ### Answer: The product descriptions for FFA swaps and options can be found here: http://www.lchclearnet.com/freight/ffas/produ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do freight derivatives like Forward Freight Agreements (FFAs) work? ### Answer: To answer this part of the question: "How can you build an index based on shipping routes - what is the significance...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Plan/education for someone desiring to achieve financial independence primarily through investing? ### Answer: Stay in school, learn everything you can, and spend as little money as possible. And re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Plan/education for someone desiring to achieve financial independence primarily through investing? ### Answer: The basic problem here is that you need to have money to invest before you can make a pr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Best way to make most of savings with ISA and Offset mortgage ### Answer: I am not a Financial Advisor, but I an tell you what I did in exactly this situation - which is pretty much what you are propo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Some U.S. Tax Questions (CPA Concerns) ### Answer: He has included this on Schedule D line 1a, but I don't see any details on the actual transaction. It is reported on form 8949. However, if it is f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a long-term investor ever chose a Mutual Fund over an ETF? ### Answer: First, it's not always the case that ETFs have lower expenses than the equivalent mutual funds. For example, in the Va...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a long-term investor ever chose a Mutual Fund over an ETF? ### Answer: I see a couple of reasons why you could consider choosing a mutual fund over an ETF In some cases index mutual funds ca...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a long-term investor ever chose a Mutual Fund over an ETF? ### Answer: http://www.efficientfrontier.com/ef/104/stupid.htm would have some data though a bit old about open-end funds vs an ETF...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would a long-term investor ever chose a Mutual Fund over an ETF? ### Answer: There is little difference between buying shares in your broker's index fund and shares of their corresponding ETF. In...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I take money from my employee stock and put it towards another stock? ### Answer: The question is for your HR department, or administrator of the plan. How long must you hold the employee shares b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I take money from my employee stock and put it towards another stock? ### Answer: Only if you sell the stock in question, and use the proceeds to buy other stock. (You should probably never feel b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock exchanges open on Saturday ### Answer: According to Wikipedia as well as this stock market trading-hours website, the Tehran Stock Exchange is open Saturday through Wednesday. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the correct way to report incentive stock options (ISO) on federal taxes? ### Answer: I'm assuming this was a cashless exercise because you had income show up on your w-2. When I had a similar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why have I never seen a stock split? ### Answer: Are you sure you're not just looking at prices that are adjusted for the split, e.g. Yahoo? For example, Gilead Sciences (GILD) split a few months ago,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why have I never seen a stock split? ### Answer: You haven't seen one because you haven't looked for one properly. You can set a google alert for stock split and get information about major issues spl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why have I never seen a stock split? ### Answer: If you want to see one split, well, a reverse split anyway, keep an eye on TZA, FAZ, BGZ, and any Direxion fund. These funds decay continuously foreve...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does selling and then rebuying stock not lead to free money? ### Answer: You are misunderstanding what makes the price of a stock go up and down. Every time you sell a share of a stock, there is s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does selling and then rebuying stock not lead to free money? ### Answer: There are several reasons. First, if you sell your stock "at any price", you may be selling it for less than you originally...