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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens to options after a stock split? ### Answer: It will be similar to what you have said -- the options price will adjust accordingly following a stock split - Here's a good reference on diff...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Valuing a company and comparing to share price ### Answer: There are books on the subject of valuing stocks. P/E ratio has nothing directly to do with the value of a company. It may be an indication t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the expense ratio of a fund-of-funds include the expense ratios of its holdings? ### Answer: I just looked at a fund for my client, the fund is T Rowe Price Retirement 2015 (TRRGX). As stated in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I received $1000 and was asked to send it back. How was this scam meant to work? ### Answer: It could be money laundering. so: Answer 1: They didn't get your data wrong. They indeed sent you $1,000. H...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay off credit card debt or earn employer 401(k) match? ### Answer: Agree with Randy, if debt and debt reduction was all about math, nobody would be in debt. It is an emotional game. If you've taken ...
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 in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens to internal stock when a company goes public? ### Answer: You'd likely be subject to a lock-up period before you could sell the shares along with possibly having other rules about how you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Resources on how to be a short term trader? ### Answer: I commend you for your desire to be a smart and engaged investor. Regarding the other comments, yes the market is unpredictable and dangerous, b...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In a reverse split, what happens to odd lots? ### Answer: Usually five shares and some cash. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's a good free checking account? ### Answer: Check with a small local bank or credit union, they might offer better terms. That said, my local credit union still charges $6/month for a checking ac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do people tend to spend less when using cash than credit cards? ### Answer: First, let me answer the question the best way I can: I don't know if there are any studies other than those that have alrea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Total price of (AAPL option strike price + option cost) decreases with strike price. Why? ### Answer: Think about it this way. If the strike price is $200, and cost of the option is $0.05. $200 + $0.0...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does sales tax holiday change tax? ### Answer: I believe you are confusing sales tax with income tax. The tax holidays in the US are only for sales tax. Consumers purchasing certain goods during t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Legal Financing ### Answer: Find a lawyer or law firm who wants to represent you and talk to them. ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are my options to deal with Student Loan debt collectors? ### Answer: You should hire a lawyer. The fact that they told you your personal information shows that they actually had it, and are not ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I have to pay a capital gains tax if I rebuy different stocks? ### Answer: Yes (most likely). If you are exchanging investments for cash, you will have to pay tax on that - disregarding capital los...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Unemployment Insurance Through Options ### Answer: Options do act, somewhat, like insurance.... However.... An insurance policy will not have such short term expiration time frames. A 20 year term lif...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why can't you just have someone invest for you and split the profits (and losses) with him? ### Answer: What you are looking for is a pretty terrible deal for you, so I'd say it doesn't exist because ...
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: What U.S. banks offer two-factor authentication (such as password & token) for online banking? ### Answer: USAA does - that's my bank. Wells Fargo tries to determine whether the online activity is a r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do exchanges match limit orders? ### Answer: The Limit Order are matched based on amount and time. The orders are listed Highest to Lowest on the Buy Side. The orders are listed Lowest to Highest ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to consider before buying (exercising) a family member's private company employee stock options, about to expire? ### Answer: The company may not permit a transfer of these options. If they do pe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are institutional investors? ### Answer: FINRA defines institutional investors as: Institutional investors include banks, savings and loan associations, insurance companies, registered investme...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the relationship between the earnings of a company and its stock price? ### Answer: I have heard that people say the greater earning means greater intrinsic value of the company. Then, the s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ballpark salary equivalent today of “healthcare benefits” in the US? ### Answer: For the person being hired this is a tricky situation. Specially with the new laws. There is no real magic number that ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Smart to buy a house in college? ### Answer: Of course, I know nothing about real estate or owning a home. I would love to hear people's thoughts on why this would or would not be a good idea. Are the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I pay more than 20% down on a home? ### Answer: The primary reason to put 20% down on your home is to avoid paying PMI (private mortgage insurance). Anyone who buys a house with a down-payment...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Canceling credit cards - insurance rate increase? ### Answer: You don't need to have a bunch of credit cards lying around; just a couple is fine. Get a "rewards" card (without annual fee) that pays yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Understanding how this interpretation of kelly criterion helps the trader ### Answer: The goal of the kelly criterion strategy is to find a balance between preservation of starting capital and returns...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What exactly changes following a stock split? Why doesn't “Shares” (on the following SEC balance sheet) change? ### Answer: In theory*, if a company has 1m shares at $10 and does a 10 for 1 split, the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do people build a stock portfolio if one could get a higher return from bank interest than dividend per annum? ### Answer: Stock prices aren't constant; they rise and fall. The overall return on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Most common types of financial scams an individual investor should beware of? ### Answer: In the case of an investment strategy, if you don't retain custodianship over your funds, or at least determin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Emulating a 'long straddle' without buying or selling Options? ### Answer: Based on what you wrote, you would be better off with no position to start, and then enter a buy stop 10% above the market, a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Would I ever need credit card if my debit card is issued by MasterCard/Visa? ### Answer: Skimmers are most likely at gas station pumps. If your debit card is compromised you are getting money taken o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Dispute credit card transaction with merchant or credit card company? ### Answer: It's very straightforward for an honest vendor to refund the charge, and the transaction only costs him a few pennies ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is Bogleheadism (index fund investing) dead? ### Answer: It's incredibly difficult to beat the market, especially after you're paying out significant fees for managed funds. The Bogleheads have some g...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to get started with options investing? ### Answer: What is a good resource to learn about options trading strategies? Options are a quite advanced investment form, and you'd do well to learn a lot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding a good small business CPA? ### Answer: The first place to look for an accountant is the American Institute of Certified Public Accountants which has a directory of CPAs, accounting companies, ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does a disciplined stock investor stick with their original sell strategy, or stay in and make more? ### Answer: One of things I've learned about trading on the stock market is not to let your emotion...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I get into investing in stocks? ### Answer: Before putting any significant money into stocks, I would recommend spending at least a year paper trading. It is amazing how much money you can los...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good practice to keep salary account and savings account separate? ### Answer: I live in the UK so it's a little different but generally you'd have one account (a current account) which would ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What U.S. banks offer two-factor authentication (such as password & token) for online banking? ### Answer: StasM, It's taken a while but many banks offer tokens - although they tend to limit the accou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to incorporate dividends while calculating annual return of a Stock ### Answer: You simply add the dividend to the stock price when calculating its annual return. So for year one, instead of it w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is economic growth so important? ### Answer: If you have an increasing population but a steady supply of wealth then there will be a perceived effect of decline. As the average person can afford ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: UK Limited Company paying third party medical costs ### Answer: One possibility to consider would be making an arrangement with a registered UK charity where you would donate the necessary amount for ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is compounding interest on investments a myth? ### Answer: The S&P 500 index from 1974 to present certainly looks exponential to me (1974 is the earliest data Google has). If you read Jeremy Siegel's...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Facebook buying WhatsApp for 19 Billion. How are existing shareholders affected? ### Answer: The answer to your question has to do with the an explanation of "shares authorized, issued and outstanding...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment? ### Answer: Is there anyway to salvage my investment for short-term? No. If by "salvage" you mean "ge...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where can I open a Bank Account in Canadian dollars in the US? ### Answer: Canada, like other second-rate economies with weak currencies, provides USD accounts. It is not the same vice versa. It is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: where to get stock price forecast ### Answer: I believe you are looking for price forecasts from analysts. Yahoo provides info in the analyst opinions section: here is an example for Apple the price t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to invest in Japan's stock market from the UK ### Answer: Use an exchange traded fund ETF, namely SPDR MSCI Japan EUR Hdg Ucits ETF. It is hedged and can be bought in the UK by this broker State S...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: IRS “convenience of the employer” test when employee lives far from the office ### Answer: I'm not a tax professional, but as I understand it, you are not expected to commute from San Francisco to Bos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does start-up equity end up paying off? ### Answer: You will probably never see it. The startup at some point may start issuing dividends to the shareholders (which would be the owners, including...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ways to invest my saved money in Germany in a halal way? ### Answer: What is not permitted in Islam is the practice of making unethical or immoral monetary loans that unfairly enrich the lender. Origi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I improve my auto insurance score? ### Answer: As a recent college grad who switched to his own car insurance, many of the things I did myself are reflected here. The #1 thing I did was find o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I finance a new home theater at 0% even though I have the cash for it? ### Answer: Pay cash. You have the cash to pay for it now, but God forbid something happen to you or your wife that requi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a good rental yield? ### Answer: The rule of thumb I have always heard and what we rent our rental house at is 1% per month at the minimum (in the US). The rent has to cover the mortgage, the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Job Offer - Explain Stock Options [US] ### Answer: An option is a financial instrument instrument that gives you the right, but not the obligation, to do some transaction in the future at a given pric...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stocks and bonds have yields, but what is a yield? ### Answer: For bonds bought at par (the face value of the bond, like buying a CD for $1000) the payment it makes is the same as yield. You pay $1000...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are banks providing credit scores for free? ### Answer: An alternative take on the "why" is that most people's credit is better than they think, and all of these banks offer credit products. Put ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Retirement Options for Income ### Answer: I agree that you should CONSIDER a shares based dividend income SIPP, however unless you've done self executed trading before, enough to understand and be com...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any consequences for investing in Vanguard's Admiral Shares funds instead of ETF's in a Roth IRA? ### Answer: ETFs purchases are subject to a bid/ask spread, which is the difference between ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where should my money go next: savings, investments, retirement, or my mortgage? ### Answer: First, i think you're doing awesomely for your age. Here's what i'd do in your situation (disclaimer: These...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find/compare custodians for my HSA in the United States? ### Answer: In general, things to look for are: Things to look out for: I'd recommend two places: I'd recommend reading up on HSA's i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In accounting and investment, what is the difference and relationship between balance and position ### Answer: an account balance is your total in the account. The word balance means "to be equal". T...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Question about large capital gain ### Answer: How much Federal Capital Gains, NYS Income tax and local tax should I expect to pay? You're going to net about 2.4 millions of dollars. Federal long term ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does one value Facebook stock as a potential investment? ### Answer: In the long term, a P/E of 15-25 is the more 'normal' range. With a 90 P/E, Facebook has to quadruple its earnings to get to no...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to explain quick price changes early in the morning ### Answer: The gap up/down and rapid movement immediately following market open is due to overnight futures activity. In your example, SP500 on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How long do credit cards keep working after you disappear? ### Answer: Generally speaking the bank accounts and credit card accounts remain open. Banks and the credit card companies don't monitor pub...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to avoid getting back into debt? ### Answer: Congratulations on seeing your situation clearly! That's half the battle. To prevent yourself from going back into debt, you should get rid of any cred...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Incentive Stock Option (ISO) tax question - more specific this time ### Answer: I've bought ISO stock over they years -- in NYSE traded companies. Every time I've done so, they've done what's called ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I need multiple credit monitoring services? ### Answer: Good question given what happened with Equifax You could avoid paying extra to Experian for monitoring all three, if you are getting free mo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is day trading considered riskier than long-term trading? ### Answer: All forms of liquid investing necessarily have the same expected value. If any one form were more profitable, money would floo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In what cases can a business refuse to take cash? ### Answer: You have to take legal tender to settle a debt. If your business model doesn't involve the customer incurring a debt that is then settled,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics? ### Answer: I too was very confused when I tried to be tricky and paid down my balance...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would anyone want to pay off their debts in a way other than “highest interest” first? ### Answer: If the balance on the low rate loan is very high (say, an IBR student loan at 6% that accumulates...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the taxes for trading debt/equity in India? ### Answer: Are these all of the taxes or is there any additional taxes over these? Turn-over tax is not for retail investors. Other taxes are paid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does high frequency trading (HFT) punish long-term investment? ### Answer: Not really. High frequency traders affect mainly short term investors. If everyone invested long-term and traded infrequently...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Bi-weekly payment option ### Answer: Biweekly pay for salaried employees is typically calculated as Annual-salary / 26. Twice a month pay for salaried employees is typically calculated as Annual-salar...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What should I do with $4,000 cash and High Interest Debt? ### Answer: With all due respect to The David, the $1000 is best put against 20%+ debt, no sitting in checking as part of some emergency fund....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short-term robots and long-term investors in the stock market ### Answer: ....causes loses [sic] to others. Someone sells you a stock. The seller receives cash. You receive a stock certificate. Thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should we organize our finances to effectively plan and prepare for an retirement in next 10 years? ### Answer: The biggest issue is your lack of diversification. Your real estate investments hav...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do some people say a house “not an investment”? ### Answer: A house is a funny kind of investment. Normally when you invest, you do it to make money. The return on a house, though, isn't principal...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to save money for future expenses ### Answer: My answer will suck but it comes from someone who has been married: You can't control another person or convince them to do something. What you can d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I just made $50K from selling my house. How should I invest the proceeds? ### Answer: First pay off all existing debt. Then set up at least 6 month emergency fund. Freelancing exposes you to way more...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does selling and then rebuying stock not lead to free money? ### Answer: The main thing you're missing is that while you bear all the costs of manipulating the market, you have no special ability ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I put more money down on one property and pay it off sooner or hold on to the cash? ### Answer: My figuring (and I'm not an expert here, but I think this is basic math) is: Let's say you had a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to contribute to Roth IRA when income is at the maximum limit & you have employer-sponsored 401k plans? ### Answer: From the way you frame the question it sounds like you more or less know the ans...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Recommended finance & economy book/blog for a Software Engineer? ### Answer: For economics I recommend mises or these videos to get you started. For daily critical analysis of financial markets, keyne...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Debit card funds on preauthorization hold to paypal: can it be used for another transaction? ### Answer: You said the hold would last a week. That's your answer. No you can't spend it again until the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Clarify on some Stocks Terminology ### Answer: Volume is measured in the number of shares traded in a given day, week, month, etc. This means that it's not necessarily a directly-comparable measure be...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Events that cause major movement in forex? ### Answer: Trading Speeches can be difficult, 1 comment can be bullish then next phrase bearish. However language algorithms can process the tone of the ent...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a 401(k) Loan Provision? ### Answer: As Mhoran answered, typical match, but some have no match at all, so not bad. The loan provision means you can borrow up to $50k or 50% of your balance, w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I invest in securities denominated in a foreign currency, should I hedge my currency risk? ### Answer: As the other answer already states, whether you should or shouldn't currency-hedge your equity...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do sole proprietors in India generally use a current account? ### Answer: Current account offers a lot of benefits for sole proprietors. Think of it like bank account for a company. The bank provi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Difference between 'split and redemption' of shares and dividend ### Answer: It is the first time I encounter redemption programme and I would like to know what are my options here You can hold on to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating a stock's price target ### Answer: The price-earnings ratio is calculated as the market value per share divided by the earnings per share over the past 12 months. In your example, you stat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are dividends, when are they paid, and how do they affect my position? ### Answer: Dividends can also be automatically reinvested in your stock holding through a DRIP plan (see the wikipedia link...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Get interest on $100K by spending only $2K using FOREX rollovers? ### Answer: I work at a FOREX broker, and can tell you that what you want to do is NOT possible. If someone is telling you it is, they...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short term investing vs Leaving money alone? ### Answer: There are three basic concepts finance (as far as I'm concerned). Liquidity is basically an asset's spendability. Assets range in liquidity fr...