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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pension or Property: Should I invest in more properties, or in a pension? ### Answer: Investing in property hoping that it will gain value is usually foolish; real estate increases about 3% a year in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pension or Property: Should I invest in more properties, or in a pension? ### Answer: I think the real answer to your question here is diversification. You have some fear of having your money in the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where was the huge scandal in the Wells Fargo scandal? ### Answer: The Wells Fargo scandal was and still is a big deal because Wells Fargo opened over 1.5 million unauthorized bank and credit card ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do index funds actually work? ### Answer: Now company A has been doing ok for couple of weeks, but then due to some factors in that company its stock has been tanking heavily and doesn't appear to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the farthest someone would likely be stopped out from their stop loss without setting a stop limit? ### Answer: It depends on how you place your stop order and the type of stop orders availabl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Treasury Bonds, and why has the NYSE 20+ Year Treasury Bond index (AXTWEN) gone up so much in the last year (2011)? ### Answer: The NYSE 20 Year Plus Treasury Bond Index (AXTWEN) is a multiple-securit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Treasury Bonds, and why has the NYSE 20+ Year Treasury Bond index (AXTWEN) gone up so much in the last year (2011)? ### Answer: The price of a bond goes up when yields go down. For example, you purch...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do stock splits make one's shares double in voting power? ### Answer: Ordinarily a stock split increases all shareholders' share counts, so that there is no change in anybody's voting power. For exam...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I hedge stock options like market makers do? ### Answer: How do option market makers actually hedge their positions so that they do not have a price risk? You cannot complete hedge away price r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I hedge stock options like market makers do? ### Answer: Buying the underlying asset will not completely hedge you, only what lies above 155 dollars (strike + price of option) - you still have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I hedge stock options like market makers do? ### Answer: Let's consider that transaction cost is 0(zero) for calculation. In the scenario you have stated, maximum profit that could be made is 5...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to return 4 - 6% on savings / investments with little / no management? ### Answer: I'm assuming you mean 4-6% annually over 10-15 years. If you mean 4%-6% total return over 10 years then this que...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I sell my rental property or keep it if it has mold growth problems? ### Answer: I'm going to assume that you will spend the money to fix the mold problem correctly. Using your numbers, after...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What differentiates index funds and ETFs? ### Answer: Index Funds & ETFs, if they are tracking the same index, will be the same in an ideal world. The difference would be because of the following fact...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What differentiates index funds and ETFs? ### Answer: I think that assuming that you're not looking to trade the fund, an index Mutual Fund is a better overall value than an ETF. The cost difference i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What differentiates index funds and ETFs? ### Answer: I'm assuming the question is about how to compare two ETFs that track the same index. I'd look at (for ETFs -- ignoring index funds): So, for exam...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment fund or ETF sanity check / ideas ### Answer: Now I'm trying to decide whether to find a managed fund, or use Vanguard ETFs. With a new trading account I can keep at least the initial move f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: Which of these categories are emergency funds meant to cover? Emergency funds are for emergencies, which to me means ex...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: The concept of emergency fund is a matter of opinion. I can tell you the consensus is that one should have 6-9 months w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: For me, the emergency fund is meant to cover unexpected, but necessary expenses that I didn't budget for. The emergenc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: I think it's wise to account for those inevitable but unpredictable expenses like car/house repairs and abnormal medica...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: If you think about it, it's really all one big pot of money. The idea behind an "emergency fund" is that you want to m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: This is probably a very opinion-based Q&A. But anyway: My solution to such questions is to have multiple layers of emer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: I don't think there is a definite single answer for this. I think it largely depends on where you are on your financial...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should Emergency Funds be Used for Infrequent, but Likely, Expenses? ### Answer: I would suggest that you use Emergency Funds for things that have a Low likelihood of happening but if they do happen c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does it look like my 401k loan default was not paid by my 401k account balance? ### Answer: There are multiple reasons why this may have happened: 1.) I couldn't tell in your question whether or n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does it look like my 401k loan default was not paid by my 401k account balance? ### Answer: When you leave an employer, 401(k) loans are immediately due (or within 30 days or 60 days). So maybe th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When an insider discloses a stock trade are they required to execute? ### Answer: No. And furthermore, canceling based on insider information is not considered insider trading. SEC Interpretation fro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When an insider discloses a stock trade are they required to execute? ### Answer: They are not required to fulfill the trade that they have intended to execute. They are able to cancel or modify the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Td Ameritrade Roth IRA question ### Answer: Your broker, Ameritrade, offers a variety of Exchange Traded Funds (ETFs) that you can buy and sell with zero commission. An ETF is like a mutual fund, but...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Td Ameritrade Roth IRA question ### Answer: Failing some answers to my comment, I am going to make some assumptions: Based upon a quick review of this article I'd probably be in the Russell 2000 Value...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Td Ameritrade Roth IRA question ### Answer: Since you're 20-30 years out of retirement, you should be 90% to 100% in stocks, and in one or two broad stock market funds likely. I'm not sure about the m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “points” mean in such contexts (stock exchange, I believe)? ### Answer: What does "points" mean In any stock market, there are certain stocks that go up and certain stocks that go down. Henc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does “points” mean in such contexts (stock exchange, I believe)? ### Answer: Points are the units of measurement of the index. They're calculated based on the index formula, which in turn based o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Video recommendation for stock market education ### Answer: In general I would recommend to stay away from any video from a successful trader, at least those that claim to share their secrets. If they...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Video recommendation for stock market education ### Answer: Before you go filling your head with useless information as there is way too much stuff out there on the stock market. First ask yourself a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can cause rent prices to fall? ### Answer: Sure! Anything that affects the balance of supply and demand could cause rent prices to fall. I'll betcha rent prices in Wilmington, Ohio collapsed when...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can cause rent prices to fall? ### Answer: The buy-to-rent investment bubble created (in some markets) a large number of new housing starts often exceeding the available demand. Since people wer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can cause rent prices to fall? ### Answer: In the US, the government effectively sets a price floor for rents with a concept called "prevailing rent" for government subsidy. Even the crappiest, m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can cause rent prices to fall? ### Answer: In Memphis, Tn., rents were stabilized from falling in the recession because all the foreclosed on home owners added to the rental market, increasing de...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a formula to use to analyse whether an investment property is a good investment? ### Answer: There is no generic formula as such, but you can work it out using all known incomes and expenses ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a formula to use to analyse whether an investment property is a good investment? ### Answer: When you invest in a property, you pay money to purchase the property. You didn't have to spend th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there a formula to use to analyse whether an investment property is a good investment? ### Answer: I know of no generic formula for determining if an investment property is a good investment, besid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What software do you recommend for Creating a To-The-Penny, To-The-Day Budget? ### Answer: I've tried Mint, and I've tried Quicken. Now, I think Quicken is an annoying, crashy little piece of software...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What software do you recommend for Creating a To-The-Penny, To-The-Day Budget? ### Answer: I really don't know about will it help you, but here is what I do: It is not classic solution, but maybe it w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What software do you recommend for Creating a To-The-Penny, To-The-Day Budget? ### Answer: I wrote a little program one time to try to do this. I think I wrote it in Python or something. The idea was...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any public data available to determine an ETF's holdings? ### Answer: You can check the website for the company that manages the fund. For example, take the iShares Nasdaq Biotechnology ETF (...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If early exercise is a bad idea, why American option is more expensive than European [duplicate] ### Answer: There are a few situations in which it may be advantageous to exercise early. Wikipedia act...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do common stocks and preferred stocks have any differences in terms of percentage of the company per unit they represent? ### Answer: Typically, preferred shares come with one or both different benefi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do common stocks and preferred stocks have any differences in terms of percentage of the company per unit they represent? ### Answer: Preferred stocks are, err... Preferred. The whole point of preferr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to lower the price of a stock while buying? ### Answer: You can choose to place successively lower buy limit orders, but whether they get filled or not is not a given; it depends on wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it possible to lower the price of a stock while buying? ### Answer: The strategy could conceivably work if you had sufficient quantity of shares to fill all of the outstanding buy orders and fill ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hedging your personal assets ### Answer: No. Such companies don't exist. Derivative instruments have evolved over a period and there is a market place, stock exchange with members / broker with obliga...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I identify a likely bull trap? ### Answer: Remember the 1st Law of Technical Analysis: "For every analysis there exists an equal and opposite analysis." And the 2nd Law of Technical Analysis:...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does Apple have $0 of treasury stock? ### Answer: Treasury stock is not really represented in the Balance Sheet as a "Treasury stock" line item in the assets. Some companies will break out Treasury S...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can publicly traded profits go but to shareholders via dividends? ### Answer: If a company earns $1 Million in net profit (let's say all cash, which is not entirely realistic), it can do one of ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can publicly traded profits go but to shareholders via dividends? ### Answer: Apart from investing in their own infrastructure, profits can be spent purchasing other companies, (Mergers and Acqu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can publicly traded profits go but to shareholders via dividends? ### Answer: Where can publicly traded profits go but to shareholders via dividends? They can be retained by the company. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good asset allocation for a 25 year old? ### Answer: Check out some common portfolios compared: Note that all these portfolios are loosely based on Modern Portfolio Theory, a theory of how t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good asset allocation for a 25 year old? ### Answer: The standard advice is that stocks are all over the place, and bonds are stable. Not necessarily true. Magazines have to write for the lo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good asset allocation for a 25 year old? ### Answer: First, I'd recommend that you separate "short-term" assets from "long-term" assets in your head. Short-term assets are earmarked for spe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good asset allocation for a 25 year old? ### Answer: Those are all predictions. To the core. With anything, I'd consider the source carefully before taking any kind of advice. If it's from...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good asset allocation for a 25 year old? ### Answer: In my opinion, the key variable for you (and others) is not age, but "vintage." Your "age" suggests that you were born in the mid-1980s, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Long term bond index prices before 2000? ### Answer: The Barclay's 20+ Year Treasury Bond inception date was July 21, 2002. You aren't going to find treasury bond information going back to 1900 becaus...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What Russell 2000 price action would move TZA on the upside back to its 6000 level? ### Answer: the pricing model makes all inverse leveraged ETF decay over time. When the price gets low the manager c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are your experiences with 'self directed' 401ks? ### Answer: My employer matches 6% of my salary, dollar for dollar. So you have a great benefit. The self-directed side has no fees but $10 trades...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are your experiences with 'self directed' 401ks? ### Answer: My employer matches 1 to 1 up to 6% of pay. They also toss in 3, 4 or 5 percent of your annual salary depending on your age and years ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are your experiences with 'self directed' 401ks? ### Answer: I use the self-directed option for the 457b plan at my job, which basically allows me to invest in any mutual fund or ETF. We get Schw...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are your experiences with 'self directed' 401ks? ### Answer: I have managed two IRA accounts; one I inherited from my wife's 401K and my own's 457B. I managed actively my wife's 401 at Tradestat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you beat the market by investing in double long ETFs? [duplicate] ### Answer: If the index goes up every single day during your investment, you would indeed be better off with 2x ETFs, assuming no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you beat the market by investing in double long ETFs? [duplicate] ### Answer: You miss the step where the return being doubled is daily. Consider you invested $100 today, went up 10%, and tomorrow...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you beat the market by investing in double long ETFs? [duplicate] ### Answer: Here is a simple example of how daily leverage fails, when applied over periods longer than a day. It is specifically ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you beat the market by investing in double long ETFs? [duplicate] ### Answer: NO. All the leveraged ETFs are designed to multiply the performance of the underlying asset FOR THAT DAY, read the pro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you beat the market by investing in double long ETFs? [duplicate] ### Answer: See http://blogs.reuters.com/felix-salmon/2011/04/30/why-the-sec-should-look-at-levered-etfs/?dlvrit=60132, http://sym...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do stock option prices predicate the underlying stock's movement? ### Answer: Options reflect expectations about the underlying asset, and options are commonly priced using the Black-Scholes model: N...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do stock option prices predicate the underlying stock's movement? ### Answer: Options are an indication what a particular segment of the market (those who deal a lot in options) think will happen. (an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do stock option prices predicate the underlying stock's movement? ### Answer: Option prices can predict the range of movement of the underlying, but not if the underlying is going up or down. An optio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to invest in a specific market without investing in a specific company? ### Answer: You need to hope that a fund exists targeting the particular market segment you are interested in. For example, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are pros and cons of volatility trading over directional stock trading ### Answer: Can't totally agree with that. Volatility trading is just one trading type of many. In my opinion it doesn't dep...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I invest for the Short Term and protect against Inflation? ### Answer: Emergency funds, car funds etc tend to have to be accessible quickly (which tends to rule out CDs unless you have the p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I invest for the Short Term and protect against Inflation? ### Answer: Your goals are mutually exclusive. You cannot both earn a return that will outpace inflation while simultaneously havi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I invest for the Short Term and protect against Inflation? ### Answer: If you are concerned about inflation, here are a couple of "TIPS". You can buy a mutual fund or ETF which adjusts for i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are market orders safe? ### Answer: A market sell order will be filled at the highest current "bid" price. For a reasonably liquid stock, there will be several buy orders in line, and the highest bid ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are market orders safe? ### Answer: Market orders can be reasonably safe when dealing with stocks that are rather liquid and have quite low volatility. But it's important to note that you're trading a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Canadian RRSPs Transfer ### Answer: Probably not. For your savings to enter an RRSP account, the recipient account must itself be an RRSP (duh! I hear you say). This appears to rule out any UK-based b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean when my Money Market account lists both a dividend share and an APY? ### Answer: In a money market fund, one share is worth $1. For your fund, you'll earn $0.0010 a year per share, o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean when my Money Market account lists both a dividend share and an APY? ### Answer: The dividend is what represents your ownership in the CU. The APY is a calculated figure that will h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Offer Price for my stock not shown on quote and a subsequent sale higher than my offer ### Answer: Many exchanges trade the same securities. An order may be posted to a secondary exchange, but if the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Offer Price for my stock not shown on quote and a subsequent sale higher than my offer ### Answer: It depends on the way you have directed the order and the execution agreement you have signed with yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Offer Price for my stock not shown on quote and a subsequent sale higher than my offer ### Answer: There are a few things you are missing here. These appear to be penny stocks or subpenny stocks. Buyi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement planning: Pension or personal saving/investing? ### Answer: with me and my wife coming from different countries, and us both living in a non-native country, we have very little clue where w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement planning: Pension or personal saving/investing? ### Answer: You can never depend ONLY on pension. You must get financial education and invest your money. I recommend you to read The Intelli...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: buying a stock while the price is going down, and buy it at a lower price ### Answer: If you bought them, you can sell them. That does not preclude you from buying again later. You might get yourself...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: buying a stock while the price is going down, and buy it at a lower price ### Answer: In the US, it is perfectly legal to execute what you've described. However, since you seem to be bullish on the st...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What can we learn from when the trading volume is much higher/lower than average? ### Answer: You should not look at volume in isolation but look at it together with other indicators and/or the releas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using simple moving average in Equity ### Answer: A shorter term MA would be used for short term changes in price whilst a long term MA would be used for longer term movements in price. A 200 day SMA...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using simple moving average in Equity ### Answer: One of the most obvious uses of SMAs is the detection of a trend reversal. A trend reversal happens when a short term SMA crosses over a longer term S...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does technical analysis work on small stock exchanges? ### Answer: Assuming that you accept the premise that technical analysis is legitimate and useful, it makes sense that it might not work for a sm...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some companies offer 401k retirement plans? ### Answer: I agree with the other answers that it is a benefit, but wanted to add another explanation for this: Also, why a company would prefer mat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some companies offer 401k retirement plans? ### Answer: IRA is not always an option. There are income limits for IRA, that leave many employees (those with the higher salaries, but not exactly ...