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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What typically happens to unvested stock during an acquisition? ### Answer: This is a great question. I've participated in a deal like that as an employee, and I also know of friends and family who h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What typically happens to unvested stock during an acquisition? ### Answer: I've been through two instances where I worked for a public company that was merged (for stock) into another company. In bo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What typically happens to unvested stock during an acquisition? ### Answer: I worked for a small private tech company that was aquired by a larger publicly traded tech company. My shares were acceler...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: You're talking about ESPP? For ESPP it makes sense to utilize the most the company allows, i.e.: in your case - 15% o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: I would not hold any company stock for the company that provides your income. This is a too many eggs in one basket...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: One such strategy I have heard for those who have this opportunity is to purchase the maximum allowed. When the windo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: Does your company offer a 401k? or similar pre-tax retirement plans? Is your company a publicly traded company? These...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: I agree with the other comments that you should not buy/hold your company stock even if given at a discount. If equit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: What most respondents are forgetting, is when a company allows its employees to purchase its shares at a discount wit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much percent of my salary should I use to invest in company stock? ### Answer: There is Free employer money on both sides of the tax fence for some employees. On the pretax side, your employer m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? ### Answer: You don't need to use a real stock like GLD. You can just create a "stock" called something like "1 oz Gold" ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? ### Answer: I would track it using a regular asset account. The same way I would track the value of a house, a car, or an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? ### Answer: If you don't need 100% accuracy then GLD and SLV will work fine. Over the long-term these converge quite nic...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking Gold and Silver (or any other commodity investment) in Quicken 2010? ### Answer: I was able to find a fairly decent index that trades very close to 1/10th the actual price of gold by the ounc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In what ways is IEX different than a typical dark pool or a typical exchange? ### Answer: You've said what's different in your question. There's 330 microseconds of network latency between IEX and any...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What else besides fees should I consider in rebalancing my fund portfolio's asset allocation? ### Answer: Taxes Based on the numbers you quoted (-$360) it doesn't appear that you would have a taxable...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Optimal balence of 401K and charitable savings ### Answer: Two things I would recommend doing: I would save a minimum of 15% into retirement. By young I will assume that you are under 30. 15K/year...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What ways are there to invest in stocks, options, indexes, etc, and where should one start (what funds)? ### Answer: I take the route of the tortoise. I subscribe to the adage that you invest in an e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What ways are there to invest in stocks, options, indexes, etc, and where should one start (what funds)? ### Answer: Ryan's suggestion to index for your main strategy is dead on. Your risk is highest ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using Loan to Invest - Paying Monthly Installments with Monthly Income ### Answer: The best strategy? Skip the loan. Find a way to invest for a low starting amount via a retirement account (such as a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using Loan to Invest - Paying Monthly Installments with Monthly Income ### Answer: I hope I'm misunderstanding your plan... you want to invest in a way that will make SO MUCH that you pay back all of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using Loan to Invest - Paying Monthly Installments with Monthly Income ### Answer: Here are my re-run figures. Not counting capital gains taxes, I calculate you need to be making 1.875% per annum or ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using Loan to Invest - Paying Monthly Installments with Monthly Income ### Answer: I think we are mixing this up. If you invest using loan, and are paying the loan out of your pocket and leaving the l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: There are two components to any non-trivial financial decision: Assuming that all things remain equal, borrowing money at a lo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: One thing that's often overlooked is that cash reserves are also a long-term investment. Anything can be a long-term investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: I'd put the 20% down, close on the house, live in it for a year, and save the difference. If you find your cash flow is fine, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: Every payment you make on your house will already be increasing your equity in it. For that reason alone, I'd recommend moving...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: More money towards down payment versus long-term investments ### Answer: Another vote for a bigger downpayment, for the reasons Benjamin mentions. Also, from experience, I would save up at least a sma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which mutual funds is Dave Ramsey talking about in The Total Money Makeover? [duplicate] ### Answer: See the Moneychimp site. From 1934 to 2006, the S&P returned an 'average' 12.81%. But the CAGR was ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: Holding pure cash is a problem for 401K companies because they would then have follow banking rules because they would be holdin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: Your employer decides what options you have in the 401k. You can talk to your HR about that. There are requirements for diversit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: The short term bond fund, which you are pretty certain to have as an option, functions in this capacity. Its return will be low...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: This situation, wanting desperately to have access to an investment vehicle in a 401K, but it not being available reminds me of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: There is no zero risk option! There is no safe parking zone for turbulent times! There is no such thing as a zero-risk investmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: Technically there could be a true cash fund, but the issue is it would need to have some sort of cost associated with it, which ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why I cannot find a “Pure Cash” option in 401k investments? ### Answer: My 401k allows cash holdings to 100% if desired. I'm not sure why some won't, they are making money on your money after all. If ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Trading US stocks from India ### Answer: I believe I have to pay taxes in US since it is a US broker. No, not at all. The fact that the broker is a US broker has nothing to do with your tax liabilitie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Trading US stocks from India ### Answer: You can easily go to somebody like icici ask for the demat section and enable overseas stock trading. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can I see/trade VIX but not S&P/TSX 60 VIX? ### Answer: S&P/TSX 60 VIX (CAD) is an equation and as the implied volatility of two close to the money TSX 60 options change, the output changes. This ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can I see/trade VIX but not S&P/TSX 60 VIX? ### Answer: You can trade VXX, but VIX is only an index. http://www.marketwatch.com/investing/stock/VXX?CountryCode=US ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Any difficulties in doing deceased relative's taxes? ### Answer: There are two different tax returns you'll be doing: one is for her, until the day of her death. The other is for the estate. The perso...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my money should I invest outside my country? ### Answer: Your definition of 'outside your country' might need some redefinition, as there are three different things going on here . ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing / Options idiot - how can I get out of this position? ### Answer: Your broker should make you whole by adjusting the quantity of the underlying (see: http://www.schaeffersresearch.com/educat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing / Options idiot - how can I get out of this position? ### Answer: My understanding is that all ETF options are American style, meaning they can be exercised before expiration, and so you cou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cashing in stocks for house downpayment ### Answer: I'm not sure where people keep getting this idea, but I see it come up a lot. Anyway, you pay capital gains taxes when you sell an investment that h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cashing in stocks for house downpayment ### Answer: Assuming that you have capital gains, you can expect to have to pay taxes on them. It might be short term, or long term capital gains. If you specif...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a decent rate of return for investing in the markets? ### Answer: Don't ever, ever, ever let someone else handle your money, unless you want somebody else have your money. Nobody can guarantee...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a decent rate of return for investing in the markets? ### Answer: Seems like you should be aiming to beat the professionals, otherwise why not let them handle it? So 4.01% is a logical start. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a decent rate of return for investing in the markets? ### Answer: If someone is guaranteeing X%, then clearly you can borrow money for less than X% (otherwise his claim wouldn't be remotely im...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a decent rate of return for investing in the markets? ### Answer: What do you think is a reasonable rate of return? A reasonable rate really breaks down into three things: opportunity cost, wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stock brokers charge fees ### Answer: They are providing you a service and they charge you for it. The service includes giving you a trading platform(website and the infrastructure), doing all ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do stock brokers charge fees ### Answer: Retail brokers and are generally not members of exchanges and would generally not be members of exchanges unless they are directly routing orders to those ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does the value of an asset (valued in two different currencies) change when the exchange rate changes? ### Answer: Gold is traded on the London stock exchange (LSE) and the New York stock exchange...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does the value of an asset (valued in two different currencies) change when the exchange rate changes? ### Answer: The value of the asset doesn't change just because of the exchange rate change. I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does the value of an asset (valued in two different currencies) change when the exchange rate changes? ### Answer: It depends on the asset and the magnitude of the exchange rate change relative to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does the value of an asset (valued in two different currencies) change when the exchange rate changes? ### Answer: If there is a very sudden and large collapse in the exchange rate then because al...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: Dollar cost averaging moderates risk. But you pay for this by giving up the chance for higher gains. If you took a hundred people and randomly had t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: If you know with 100% certainty what the market will do, then invest it all at the best time. If not, spread it out over time to avoid investing it ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: Dollar cost averaging works if the stuff you're buying goes up within your time horizon. It won't protect you from losing money if it doesn't. Also...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: If you define dollar cost cost averaging as investing a specific dollar amount over a certain fixed time frame then it does not work statistically b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: If you have a lump sum, you could put it into a low risk investment (which should also have low fluctuations) right away to avoid the risk of buying...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does dollar cost averaging really work? ### Answer: Here is a deliberately simple example of Dollar Cost averaging: Day 1: Buy 100 shares at $10. Total value = $1,000. Average cost per share = $10.00/...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are 'per trade' fees charged on every order or just once per stock? ### Answer: You will be hit every time, once every buy order and once every sell order. Commissions to the broker are paid every tim...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are 'per trade' fees charged on every order or just once per stock? ### Answer: The answer, like many answers, is "it depends". Specifically, it depends on the broker, and the type of account you have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are 'per trade' fees charged on every order or just once per stock? ### Answer: In my experience they charge you coming and going. For example, if a brokerage firm is advertising that their commission...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Naked calls and buying the stock later ### Answer: Has anyone done this before? I'm sure someone has, but it doesn't completely remove any price risk. Suppose you buy it at 10 and it drops to 5? The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When to sell a stock? ### Answer: I am a believer in stocks for the long term, I sat on the S&P right though the last crash, and am 15% below the high before the crash. For individual stocks, you nee...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When to sell a stock? ### Answer: My theory is that for every stock you buy, you should have an exit strategy and follow it. It is too hard to let emotions rule if you let your default strategy be "l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When to sell a stock? ### Answer: Keep a diary, before buying write down why are you buying the stock, how long do you plan to keep it. Put down reasons when you would sell it. For example you buy a s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to transfer stock I already own into my Roth IRA without having to sell the stock? ### Answer: No. A deposit to an IRA must be in cash. A conversion from traditional IRA to Roth can be ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buy on dip when earnings fail? ### Answer: What is cheap? A stock may fall from $20 per share to $10 per share, but it may have gone from making a $100M profit last year to a $100M loss this year. So ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to acquire skills required for long-term investing? ### Answer: As foundational material, read "The Intelligent Investor" by Benjamin Graham. It will help prepare you to digest and critically eva...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to acquire skills required for long-term investing? ### Answer: I feel that OP's question is fundamentally wrong and an understanding of why is important. The stock market, as a whole, in the USA ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to acquire skills required for long-term investing? ### Answer: Far and away the most valuable skill in investing, in my opinion, is emotional fortitude. You need to have the emotional stability ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to acquire skills required for long-term investing? ### Answer: The key to good investing is you need to understand what you are investing in. That is, if you are buying a company that makes produ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to acquire skills required for long-term investing? ### Answer: I would say that the three most important skills are: Note that some costs are hidden. So, for example, a mutual fund investing in o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: Say we have stock XYZ that costs $50 this second. It doesn't cost XYZ this second. The market price only reflects the last price at w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: Firstly, if a stock costs $50 this second, the bid/ask would have to be 49/50. If the bid/ask were 49/51, the stock would cost $51 t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: Why would people sell below the current price, and not within the range of the bid/ask? There are many scenarios where this is delibe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: The person may just want to get out of that position in order to buy a different stock, he or she feels may go up faster. There is re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: People in this case, are large institutional investors. The "bid ask" spread is for "small traders" like yourself. It is put out by t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: This happens on dark pools quite often. If I am a large institutional investor with tens of millions of shares, I may want to unload ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: Occassionaly a trader will make a blatant mistake. A customer calls to buy 100 shares at $10, and the trader by mistake enters "10 sh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would people sell a stock below the current price? ### Answer: I stock is only worth what someone will pay for it. If you want to sell it you will get market price which is the bid. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are buyouts always for higher than the market value of a stock? ### Answer: Buyouts are usually for more than the ORIGINAL value of a stock. That's because the price "premium" represents an incentive ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are buyouts always for higher than the market value of a stock? ### Answer: Can a company not bargain with a dying company for example and buy a falling stock at lower than market value? Of course. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are buyouts always for higher than the market value of a stock? ### Answer: 1) Yes, buyouts are always higher than the trading price. 2) ANYTHING can be negotiated. There is no rule saying buyouts hav...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to find detailed information about stock? ### Answer: 1. Most of the information you want can be found in the annual report of the company. Go to their official website, look for shareholders in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where to find detailed information about stock? ### Answer: You can take a look at EDGAR (Electronic Data Gathering, Analysis, and Retrieval), a big database run by the SEC where all companies, forei...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: If they don't spoil, you can still get some marginal benefit if buying in bulk means you avoid the need for a trip to t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: Let me add a counterpoint. I don't know about you, but for some psychological reason, when I know I have an abundance ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: As with everything else, it's a question of trade-offs. Pros For Buying In Bulk Cons For Buying In Bulk Inventory cost....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: To Rich Seller's point, we live 1/2 gallon of gas and 30 minute round trip from the supermarket. For the items that ar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: I agree with Rich Seller. Avoiding a trip to the store is a benefit. Not only do you save the time and hassle, but th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: It could be a sunk cost. If you buy 5 gallons of vegetable oil it costs $50. Until you use up all the vegetable oil y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: There is a trade-off. It can be worthwhile because you save those extra trips. (On the other hand, don't you need to go...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If there's no volume discount, does buying in bulk still make sense? ### Answer: Instead of buying in bulk, I invest the money in equity mutual funds, for an expected return of 12%, which is more than...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: what is the timezone that yahoo uses for stock information ### Answer: Using your example link, I found the corresponding chart for a stock that trades on London Stock Exchange: https://ca.finance.yah...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Common Stock Options Value ### Answer: Par value of common stock is essentially a historical artifact; it is a price at which the company will redeem shares directly. If common stock has any par valu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Common Stock Options Value ### Answer: Par value SHOULD mean that they are offering you the options with a strike price (exercise price) that is equivalent to the current valuation of the company. No...