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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: Let me add another consideration to the company's side of the equation. Not only is a 401K a tool for the company to make them competiti...
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: Stated plainly... it's a benefit. Companies are not required to offer you any compensation above paying you minimum wage. But benefits at...
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: The company itself doesn't benefit. In most cases, it's an expense as the match that many offer is going to cost the company some percent...
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: One important thing that hasn't been mentioned here is that the vast majority of companies have eventually eliminated their Company provi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to bet against the London housing market? ### Answer: Well, Taking a short position directly in real estate is impossible because it's not a fungible asset, so the only way to do it is to trade in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to bet against the London housing market? ### Answer: While I am not an advocate of shorting anything (unlimited downside, capped upside), you can: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? ### Answer: Here are a few things that you could try. But note...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? ### Answer: John Bogle never said only buy the S&P 500 or any ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? ### Answer: Common financial advice is just that - it is commo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time? ### Answer: Generally, you need something that goes up over ti...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a naked put really that risky ### Answer: So, yes, you may be having the inevitable epiphany where you realize that options can synthetically replicate the same risk profile of owning stock outrigh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: Unless you have a lot of money to get rid of you should spend at least a year trading with a dummy account. It take...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: Currency Trading For Dummies, no offense. The "For Dummies" series is well known for its expertise in every field o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: There are various indexes on the stock market that track the currencies. Though it is different than Forex (probab...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: I definitely can recommend you a site called babypips. Their beginner course section is great to get a good overvie...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Layman's guide to getting started with Forex (foreign exchange trading)? ### Answer: Starting with the Dummy Forex account is a wise move for every new forex trader. Do forex trading with a dummy acco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out who the major short sellers are in a stock? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find out who the major short sellers are in a stock? ### Answer: There is no way to know anything about who has shorted stuff or how concentrated the positions are in a few investors. Short...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to Explain “efficient frontier” to child? ### Answer: I would let them get their hands dirty, learn by practicing. Below you can find a simple program to generate your own efficient frontier, just...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to Explain “efficient frontier” to child? ### Answer: I know you really like bananas, but don't you think you would get tired of them after a while? Better stock up on some kiwi and mango just to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax implications of ESPP shares when company is bought out ### Answer: When the deal closes, will it be as if I sold all of my ESPP shares with regards to taxes? Probably. If the deal is for cash an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: All data for a single adult in tax year 2010. Roth IRA 401K Roth 401k Traditional IRA and your employer offers a 401k...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: First off, high five on the paycheck. There are a few retirement issues to deal with. 401k issues - At that income le...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: Put in the maximum you can into the 401(k), the limit should be $16,500 so long as the highly compensated rules don't ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: There are three common options for you: ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: The other alternative: just invest it in tax-efficient investments. You will have limited tax-deferral options outside...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I make over 120k a year, what are my options for retirement plans? ### Answer: You can contribute to a Traditional IRA instead of a Roth. The main difference is a contribution to a Roth is made wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does “income” include capital gains? ### Answer: For example, if I have an income of $100,000 from my job and I also realize a $350,000 in long-term capital gains from a stock sale, will I pay 20%...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does “income” include capital gains? ### Answer: The $100,000 is taxed separately as "ordinary income". The $350,000 is taxed at long-term capital gains of 15%. Capital gains is not taxed at 20% until...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stocks and Shares ISA: What are the options for “near cash equivalents”? ### Answer: You can actually hold cash in your account as long as the manager has reason to believe it is awaiting investment. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Estimate a future option price given greeks and a 1$ move in underlying ### Answer: It's not that straightforward, even though your gamma will change your delta on the fly, you likely won't see the fu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I invest in the housing market via the stock exchange? ### Answer: You could look into an index fund or ETF that invests primarily in Real Estate Investment Trusts (REIT's). An REIT is any corpor...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I invest in the housing market via the stock exchange? ### Answer: Have you considered a self-directed IRA to invest, rather than the stock market or publicly traded assets? Your IRA can actually ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 3% Equity options in software company, entitles me to revenue share? ### Answer: It might, but it also might not. The Board of Directors gets to decide whether and how much dividends are paid to stock...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Setting a trailing stop loss at $39.70 bid price, stock sold at $41 ### Answer: There could be a number of reasons: The price hit your number ($39.70) but by the time your order hit the market, the pr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Setting a trailing stop loss at $39.70 bid price, stock sold at $41 ### Answer: Is this due to the delay? Yes, but the delay is caused by your broker and its affiliates. Trailing Stop Order is not e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Due Diligence - Dilution? ### Answer: Publicly traded companies perform dilution via an FPO (Follow-up Public Offer). It is a process similar to IPO, with announcements, prospectus, etc. You will know...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Due Diligence - Dilution? ### Answer: Your best bet is to just look at comparative balance sheets or contact the company itself. Otherwise, you will need access to a service like PrivCo to get data. #...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Due Diligence - Dilution? ### Answer: You will have to check SEC forms to know this in full. A publicly-traded company will have an amount of publicly tradable shares which can be easily found on thei...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are “equity assets”? ### Answer: If I hold a bond then I have a debt asset. If I hold physical silver then I have a commodity asset. If I hold the stock of an individual company then I have an eq...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Long(100%)-Short(-100%) investment explanation ### Answer: There is no difference. When dealing with short positions, talking about percentages become very tricky since they no longer add up to 100%....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Long(100%)-Short(-100%) investment explanation ### Answer: If you mean the percentages of long/short positions within a mutual fund or ETF, then it's a percentage of the total value of the fund portfo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Long(100%)-Short(-100%) investment explanation ### Answer: When portfolio positions are reported in percentages, those percentages are relative to the portfolio's base equity. When you start out, tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Expense ratio of an ETF included in the price or calculated separately ### Answer: The expense ratio reduces the return of the ETF; your scenario of paying 100.0015 is that of a load. Most (all?) ETF...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a 1045 exchange require any filing prior to that years tax return? ### Answer: When you get into reading Revenue Rulings and Treasury Regulations - I'd suggest hiring a professional to do that fo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can we compare peer-to-peer loans to savings accounts? ### Answer: I don't think you can compare savings accounts and peer-to-peer lending. The former is a liquid way of stashing some money away (IOW ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can we compare peer-to-peer loans to savings accounts? ### Answer: That argument is an argument for investing generally, not peer-to-peer lending per se, and the argument as phrased ("thus you should ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can we compare peer-to-peer loans to savings accounts? ### Answer: Peer to peer lending isn't FDIC insured. You can lose all your investment with peer to peer lending, whereas you will not lose your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 1031 Exchange and Taxes? ### Answer: You bought a rental property in 2001. Hopefully you paid fair value else other issues come into play. Say you paid $120K. You said you have been taking depreciati...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to record “short premium” in double-entry accounting? ### Answer: You don't. No one uses vanilla double entry accounting software for "Held-For-Trading Security". Your broker or trading software...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to record “short premium” in double-entry accounting? ### Answer: Thanks for your reply. I’m not familiar with the term “Held-For-Trading Security”. My securities are generally held as collateral...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Learn investing as a programmer ### Answer: My master's thesis was on using genetic algorithms and candle stick method. If you are familiar, the AI was used to answer questions like "what is a long ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Learn investing as a programmer ### Answer: The software you provided as an example won't teach you much about investing. The most important things of investing are: These are the only free lunches i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: Vanguard has a Vanguard FTSE Social Index Fund. Their web page says "Some individuals choose investments based on soc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: One of the best things you can do for this purpose, while getting a modest ROI on a passive investment, is invest in a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: Shariah compliant investments attempt to achieve your "ethical investing" ideals. Many countries around the world have...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: I'd suggest you to separate "doing good" from "earning profit". Look at the guys like Warren Buffett and Bill Gates (o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: FTSE ethical investment index: http://www.ftse.com/products/indices/FTSE4Good "The FTSE4Good Index is a series of ethi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: There isn't going to be one right answer, but LessWrong has some posts on effective altruism you might find helpful. T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have about 20 000 usd. How can invest them to do good in the world? ### Answer: In the UK, one quirky option in this area (OK, admittedly it's not a passive) is the "Battle Against Cancer Investment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock valuation - Volkswagen ### Answer: The prices dropped because the scandal could mean: This some people estimated that the company could lose money, or have smaller profit. Thus each share was wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock valuation - Volkswagen ### Answer: (I live in the UK and along with my wife we both drive Volkswagen cars.) A few factors: VW is widely acknowledged as having some of the best diesel car engines...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock valuation - Volkswagen ### Answer: The primary reason a scandal like this hurts the company is the "bottom line." Any legal action means defense costs. In this case the potential of massive fi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cost Basis in Retirement Accounts Irrelevant? ### Answer: One thing to keep in mind is that with Roth accounts, there are different withdrawal considerations based on your contributions. For example, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Cost Basis in Retirement Accounts Irrelevant? ### Answer: Cost basis is irrelevant because the entire distribution is taxed as ordinary income even if the custodian distributes stock or mutual fund sh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why did the price of ASH common stock drop when the market opened on May 15, 2017? ### Answer: Ashland Global Holdings Inc. (ASH) sold off their ownership in Valvoline Inc. (VVV). Friday, May 12 was ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What considerations are there for making investments on behalf of a friend? ### Answer: Pool their money into my own brokerage account and simply split the gains/losses proportional to the amount of m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What considerations are there for making investments on behalf of a friend? ### Answer: how many transactions per year do you intend? Mixing the funds is an issue for the reasons stated. But. I have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What considerations are there for making investments on behalf of a friend? ### Answer: There's a sizable community of people and fiscal advisers who advocate not managing the money at all. Set your p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What considerations are there for making investments on behalf of a friend? ### Answer: If you want to do #1, then you should form an "investment club." This is an entity that is recognized by the SEC...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: Sounds to me like you're describing just how it should work. Ask is at 30, Bid is at 20; you offer a ne...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: There are people whose strategy revolves around putting orders at the bid and ask and making money off p...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: There are usually so many different options around for the same stock that some are rarely traded. Espec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: I can often get the option at [a] price [between bid and ask] The keyword you use here is quite relevant...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I get a much better price for options with a limit order than the ask price? ### Answer: What you have to remember is that Options are derivatives of another asset like stocks for example. The...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to convert coins into paper money or deposit coins into bank account, without your bank in local? ### Answer: Ask around your area. Some stores will exchange because it saves them having to go to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to convert coins into paper money or deposit coins into bank account, without your bank in local? ### Answer: We have machines in several grocery store chains that will take your coins, sort them,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any emprical research done on 'adding to a loser' ### Answer: This is basically martingale, which there is a lot of research on. Basically in bets that have positive expected value such as in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there any emprical research done on 'adding to a loser' ### Answer: It works if after the price has halved and you buy more the price then rises, however if you are attempting to do this you are ba...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can There Be Partial Trade Fill Percentage? ### Answer: I place a trade, a limit order on a thinly traded stock. I want to buy 1000 shares at $10. The current price is $10.50. Someone places a market ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why use ROI if I can use effective compount interest? ### Answer: Yes though I'd likely put a caveat on that. If you take short-term investments and extrapolate the results to get an annual result thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to Buy “Exotic” Bonds as a Low Net Worth Individual? ### Answer: There are discount brokers which charge lower fees, which ones are accessible to you will depend on your country. Here's a list for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's the best gold investment strategy for a Singapore resident? ### Answer: With gold at US$1300 or so, a gram is about $40. For your purposes, you have the choice between the GLD ETF, which repre...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is Dell currently trading above the buyout price? ### Answer: Dividends would be a possible factor you are ignoring. If Dell has another quarter or two to pay out dividends that could account for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find a company's P/E ratio based on its given EPS and the P/E ratios of other companies? ### Answer: Here is how I would approach that problem: 1) Find the average ratios of the competitors...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why pay estimated taxes? ### Answer: Same argument and answer for investing instead of paying off debt, or borrowing to invest. Risk. What happens if the stocks drop by 10%? Sure, you might come out a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why pay estimated taxes? ### Answer: Your logic is not wrong. But the risk is more significant than you seem to assume. Essentially you are proposing taking a 2.6% loan to buy stocks. Is that a good...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why pay estimated taxes? ### Answer: In addition to the other answers, which cover the risks of what is essentially leveraged investing, I'd like to point out that the 2.6% penalty is a flat rate. If ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why pay estimated taxes? ### Answer: While the US tax code does not directly impose an obligation to pay estimated taxes, it does impose a penalty on individuals for failure to pay enough taxes either...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some stores have card-only self-checkouts? ### Answer: There are a couple of advantages that I can think of. Since the machines are less complicated because they don't have to handle cash, the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax withheld by USA working in UK (Form 1042-S and Form 1099) ### Answer: The shares are "imputed income" / payment in kind. You worked in the UK, but are you a "US Person"? If not, you should go back...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax withheld by USA working in UK (Form 1042-S and Form 1099) ### Answer: Why was I sent both 1042-S and 1099. Which amount is the right amount that has been withheld. Generally, each tax form you get...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Historical Stock Price Quote on delisted stock without knowing stock symbol as of quote date ### Answer: You need a source of delisted historical data. Such data is typically only available from paid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Two 1099B for same stock ### Answer: It looks like what you're calling a name change was registered as a merger that resulted in an exchange of stock. If that's the case, then what you've been told i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Rolled over husband's 401(k) to IRA after his death. Can I deduct a loss since? ### Answer: First: In most cases when you inherit stocks the cost basis is stepped up to the date of the death of the pe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Rolled over husband's 401(k) to IRA after his death. Can I deduct a loss since? ### Answer: I trust the 401(k) was a traditional, pre tax account. There was no tax paid, and any withdrawals would be t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax liabilities or impact for selling gold? ### Answer: Gold is classified as a collectible so the gain rates are as follows: So you'd report a gain of $100 or $1,000 , depending on which...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax liabilities or impact for selling gold? ### Answer: For reporting purposes, I would treat the purchase and sale of gold like a purchase and sale of a stock. The place to do so is Sche...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to file tax for the sale of stocks from form 1099B? ### Answer: You report each position separately. You do this on form 8949. 7 positions is nothing, it will take you 5 minutes. There's a tip on ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to file tax for the sale of stocks from form 1099B? ### Answer: You can group your like-kind (same symbol, ST/LT) stock positions, just be sure that your totals match the total dollar amounts on t...