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0 | What should my finances look like at 18? | If you're making big money at 18, you should be saving every penny you can in tax-advantaged retirement accounts. (If your employer offers it, see if you can do a Roth 401(k), as odds are good you'll be in a higher tax bracket at retirement than you are now and you will benefit from the Roth structure. Otherwise, use a... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
1 | Beginner questions about stock market | If I bought 1 percent share of company X, Most countries company X, is treated as a separate legal entity than individual. So max loss is what you have invested. However certain types of companies, generally called partnerships are not separate entities and you have to pay back the said loss. However such companies are... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
2 | Confused about employee stock options: How do I afford these? | I've been offered a package that includes 100k stock options at 5 dollars a share. They vest over 4 years at 25% a year. Does this mean that at the end of the first year, I'm supposed to pay for 25,000 shares? Wouldn't this cost me 125,000 dollars? I don't have this kind of money. At the end of the first year, you will... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
3 | What effect would currency devaluation have on my investments? | Stocks, gold, commodities, and physical real estate will not be affected by currency changes, regardless of whether those changes are fast or slow. All bonds except those that are indexed to inflation will be demolished by sudden, unexpected devaluation. Notice: The above is true if devaluation is the only thing going... | Share your insights or perspective on the financial matter presented in the input. |
4 | Over the long term, why invest in bonds? | Bonds provide protections against stock market crashes, diversity and returns as the other posters have said but the primary reason to invest in bonds is to receive relatively guaranteed income. By that I mean you receive regular payments as long as the debtor doesn't go bankrupt and stop paying. Even when this happens... | Share your insights or perspective on the financial matter presented in the input. |
5 | Investing in dividend-yielding stocks with money borrowed from margin account? | I wouldn't recommend leveraged dividend fishing. Dividend stocks with such high dividends are highly volatile, you will run out of collateral to cover your trades very quickly | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
6 | Understanding how this interpretation of kelly criterion helps the trader | I don't know too much about the kelly criterion, but going by the other answers it sounds like it could be quite risky depending how you use it. I have been taught the first thing you do in trading is protect your existing capital and any profits you have made, and for this reason I prefer and use Position Sizing (PS).... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
7 | Is there a website with options chain charts? | http://dailyfinance.com Enter a stock ticker, then click on the Chain link to the left. Then, click on the option tickers to see their charts. EDIT: the site has changed, and there are no more option charts. So why are option charts so tough to find? Options are derivatives of the stock. Option prices are defined by a ... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
8 | First time homeowner and getting a mortgage? | Check with you local bank where you have an account. Sometimes they can offer a discount that results in a good rate. I just refinanced a month ago with Bank Of America and their rates were very competitive. What set them aside from the rest was their low closing fees. Otherwise I would shop around on bankrate.com an... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
9 | Good book-keeping software? | The short answer is that there are no great personal finance programs out there any more. In the past, I found Microsoft Money to be slick and feature rich but unfortunately it has been discontinued a few years ago. Your choices now are Quicken and Mint along with the several open-source programs that have been listed... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
10 | What actions should I be taking to establish good credit scores for my children? | Until they're old enough to be legally responsible for their own credit, the only thing you can really do is show them by example how to manage money and credit in your own finances. Teach them budgeting, immerse them in understanding how credit and financing work, and teach them smart ways to make their money work fo... | Share your insights or perspective on the financial matter presented in the input. |
11 | Why do investors buy stock that had appreciated? | I understand you make money by buying low and selling high. You can also make money by buying high and selling higher, short selling high and buying back low, short selling low and buying back even lower. An important technique followed by many technical traders and investors is to alway trade with the trend - so if th... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
12 | What evidence or research suggests that mid- or small-capitalization stocks should perform better than large caps? | I think it's safe to say that Apple cannot grow in value in the next 20 years as fast as it did in the prior 20. It rose 100 fold to a current 730B valuation. 73 trillion dollars is nearly half the value of all wealth in the world. Unfortunately, for every Apple, there are dozens of small companies that don't survive.... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
13 | Is it possible to buy stock as a gift for a minor without involving the guardians? | You should talk to a lawyer. One solution I can think of is using a trust. Keep in mind that that may complicate things (non-revocable trusts are taxed on income not distributed, and revocable trust means you effectively keep the owenership of the stock). If you don't mind paying taxes on the dividends and keep the sto... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
14 | Entering the stock market in a poor economy | Forecasts of stock market direction are not reliable, so you shouldn't be putting much weight on them. Long term, you can expect to do better in stocks, but obtaining this better expected return has the danger of "buying in" to the market at a particularly bad moment, leading to a substantially lower return. So mitig... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
15 | Ticker symbols differences between Yahoo Finance and BestInvest | It depends on what site you're looking on and what exchange they're pulling the data from. Even though funds and stocks are called the same thing, they have different ticker symbols in each country's exchange or could be traded as pink sheet stocks in the US. If a company or fund is based in another country (like Canad... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
16 | Does the bid price of a stock change depending on which brokerage I am using? | They could have different quotes as there are more than a few pieces here. Are you talking a Real Time Level II quote or just a delayed quote? Delayed quotes could vary as different companies would be using different time points in their data. You aren't specifying exactly what kind of quote from which system are yo... | Share your insights or perspective on the financial matter presented in the input. |
17 | What do these numbers mean? (futures) | No, it means that is only the notional value of that underlying asset of that contract, generally. The contract specification itself is listed on the exchange's websites, and there are really no assumptions you can make about a particular contract. Where S&P futures have one set of specifications, such as what it actua... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
18 | How does 83b election work when paying fair market value at time of grant? | 83(b) election requires you to pay the current taxes on the discount value. If the discount value is 0 - the taxes are also 0. Question arises - why would someone pay FMV for restricted stocks? That doesn't make sense. I would argue, as a devil's advocate, that the FMV is not really fair market value, since the restric... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
19 | Are low commission trading sites safe? | Generally, yes. Rather than ask, "why are these guys so cheap?", you should be asking why the big names are so expensive. :) Marketing spend plays a big role there. Getting babies to shill for your company during the super bowl requires a heck of a lot of commissions. Due to the difficulties involved in setting up a b... | Share your insights or perspective on the financial matter presented in the input. |
20 | Is forward P/E calculated using current price(if yes, how useful is it)? | P/E can use various estimates in its calculation as one could speculate about future P/E rations and thus could determine a future valuation if one is prepared to say that the P/E should be X for a company. Course it is worth noting that if a company isn't generating positive earnings this can be a less than useful too... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
21 | Investment in mutual fund in India for long term goals | On reading couple of articles & some research over internet, I got to know about diversified investment where one should invest 70% in equity related & rest 30% in debt related funds Yes that is about right. Although the recommendation keeps varying a bit. However your first investment should not aim for diversificatio... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
22 | Best ISA alternative | Your question is actually quite broad, so will try to split it into it's key parts: Yes, standard bank ISAs pay very poor rates of interest at the moment. They are however basically risk free and should track inflation. Any investment in the 6-7% return range at the moment will be linked to stock. Stock always carries... | Share your insights or perspective on the financial matter presented in the input. |
23 | Strange values in ARM.L price data 1998-2000 from Yahoo | This is just a shot in the dark but it could be intermarket data. If the stock is interlisted and traded on another market exchange that day then the Yahoo Finance data feed might have picked up the data from another market. You'd have to ask Yahoo to explain and they'd have to check their data. | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
24 | Setting up general ledger/tax reporting for a Real Estate Rental LLC in GnuCash | No, GnuCash doesn't specifically provide a partner cash basis report/function. However, GnuCash reports are fairly easy to write. If the data was readily available in your accounts it shouldn't be too hard to create a cash basis report. The account setup is so flexible, you might actually be able to create accounts for... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
25 | What's the point of a benchmark? | One reason it matters whether or not you're beating the S&P 500 (or the Wilshire 5000, or whatever benchmark you choose to use) is to determine whether or not you'd be better off investing in an index fund (or some other investment vehicle) instead of pursuing whatever your current investment strategy happens to be. E... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
26 | How do I get into investing in stocks? | That is a loaded question but I'll give it a shot. First things first you need to determine if you are ready to invest in stocks. If you have a lot of high interest debt you would be much better served paying that off before investing in stocks. Stocks return around 8%-10% in the long run, so you'd be better off pay... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
27 | Do buyers of bond ETFs need to pay for accrued interest? | No. Investors purchase ETFs' as they would any other stock, own it under the same circumstances as an equity investment, collecting distributions instead of dividends or interest. The ETF takes care of the internal operations (bond maturities and turnover, accrued interest, payment dates, etc.). | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
28 | Is short selling a good hedging strategy during overzealous market conditions? | Short selling can be a good strategy to hedge, but you have almost unlimited downside. If a stock price skyrockets, you may be forced to cover your short by the brokerage before you want to or put up more capital. A smarter strategy to hedge, that limits your potential downside is to buy puts if you think the market i... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
29 | Are there any investment strategies which take advantage of an in-the-money option price that incorporates no “time value”? | It depends on the volatility of the underlying stock. But for "normal" levels of volatility, the real value of that option is probably $3.50! Rough estimates of the value of the option depending on volatility levels: Bottom line: unless this is a super volatile stock, it is trading at $3.50 for a reason. More generally... | Share your insights or perspective on the financial matter presented in the input. |
30 | Tax advantages of using 529 plans to save for child's education? | There are several variables to consider. Taxes, fees, returns. Taxes come in two stages. While adding money to the account you can save on state taxes, if the account is linked to your state. If you use an out of state 529 plan there is no tax savings. Keep in mind that other people (such as grandparents) can set aside... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
31 | What is meant by the term “representative stock list” here? | The meaning is quite literal - a representative stock list is a list of stocks that would reasonably be expected to have about the same results as the whole market, i.e. be representative of an investment that invests in all those stocks. Of course, you don't want to invest in all stocks individually, that would be imp... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
32 | Covered Call Writing - What affects the price of the options? | Here are some things to consider if you want to employ a covered call strategy for consistent returns. The discussion also applies to written puts, as they're functionally equivalent. Write covered calls only on fairly valued stock. If the stock is distinctly undervalued, just buy it. By writing the call, you cap the g... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
33 | Is there a candlestick pattern that guarantees any kind of future profit? | John Person has a pattern called the High Close Doji that is probably the most reliable signal in the world of candle patterns. I would check out Candle Stick and Pivot Point Trade Triggers. It all I use in trading stocks + forex. | Share your insights or perspective on the financial matter presented in the input. |
34 | find stock composition of a publicly traded fund | The big websites, Yahoo and the like, only give the 10 biggest positions of any fund. Download the annual report of the fund, go to page 18, you will find the positions on the 31st of December. However the actual positions could be different. The same applies to all funds. You need the annual report. | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
35 | Importance of dividend yield when evaluating a stock? | But I wish to know why the parameter is dividend/market price rather than just 'dividend'? What 'extra' info you can uncover by looking at dividend/market price that you cannot get from 'dividend'? Consider two stocks A and B. A offers a dividend of $1 per year. B offers a dividend of $2 per year. Let's remove all comp... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
36 | Dividend yeild per unit | $36 dividend/900 DJIA = 4% 5.5% bond yield = ($36 dividend/660 DJIA) Graham wrote this at a very different time in financial markets- interest rates were much higher, and the DJIA much lower. In addition, bonds were yielding more than stocks, unlike today when the DJIA % the 10yr Treasury yield 2.63% and 2.13% respecti... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
37 | Should I collect receipts after paying with a card? | It is probably safe to throw away the receipt. Without a system to process and store receipts, they are of little use. With regards to personal finances I'm guilty of preaching without practicing 100% of the time, but here are some arguments for keeping receipts. To reconcile your statement to receipts before paying t... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
38 | How to share income after marriage and kids? | I haven't seen this addressed anywhere else, so I'll make a small answer to add on to the great ones already here. Money isn't the only way a person can contribute to a relationship. Time and effort are valuable contributions. Who runs the household? Who cooks, cleans, does laundry? How will you share these duties? My ... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
39 | What options do I have at 26 years old, with 1.2 million USD? | Former financial analyst here, happy to help you. First off, you are right to not be entirely trusting of advisors and attorneys. They are usually trustworthy, but not always. And when you are new to this, the untrustworthy ones have a habit of reaching you first - you're their target market. I'll give you a little bre... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
40 | Where can I invest my retirement savings money, where it is safer than stocks? | There are many questions and good answers here regarding investment choices. The first decision you need to make is how involved do you intend to be in investment activity. If you plan to be actively investing by yourself, you should look for questions here about making investment choices. If you intend to be a more pa... | Share your insights or perspective on the financial matter presented in the input. |
41 | Rationale behind using 12, 26 and 9 to calculate MACD | The values of 12, 26 and 9 are the typical industry standard setting used with the MACD, however other values can be substituted depending on your trading style and goals. The 26d EMA is considered the long moving average when in this case it is compared to the shorter 12d EMA. If you used a 5d EMA and a 10d EMA then t... | Share your insights or perspective on the financial matter presented in the input. |
42 | Beginning investment | Your question is very broad. Whole books can and have been written on this topic. The right place to start is for you and your wife to sit down together and figure out your goals. Where do you want to be in 5 years, 25 years, 50 years? To quote Yogi Berra "If you don't know where you are going, you'll end up someplace ... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
43 | Can a put option and call option be exercised for the same stock with different strike prices? | You could have both options exercised (and assigned to you) on the same day, but I don't think you could lose money on both on the same day. The reason is that while exercises are immediate, assignments are processed after the markets close at the end of each day. See http://www.888options.com/help/faq/assignment.jsp f... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
44 | How might trading volume affect future share price? | Volumes are used to predict momentum of movement, not the direction of it. Large trading volumes generally tend to create a price breakout in either positive or negative direction. Especially in relatively illiquid stocks (like small caps), sudden volume surges can create sharp price fluctuations. | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
45 | Is buying a lottery ticket considered an investment? | logically, yes. legally, no. any reasonable definition of an "investment" must include some types of gambling and insurance. lottery tickets specifically are really crappy high risk/high return investment. obviously most people try to avoid investments with a negative average expected future value, but from a purely s... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
46 | Is an analyst's “price target” assumed to be for 12 months out? | Analysts normally (oxymoron here) gauge their targets on where the stock is currently and more importantly where it has been. Except for in the case of say a Dryships where it was a hundred dollar stock and is now in the single digits, it is safe to assume that Apple for instance was well over $ 700 and is now at $500,... | Share your insights or perspective on the financial matter presented in the input. |
47 | How are mortgage payments decided? [duplicate] | It has nothing to do with forcing people to pay off their debt; in that case it would make better sense to have people pay off debt rather than interest. It is because you want to have your actual payment stay the same each month, which is easier for the vast majority of people to comprehend and put into their budget. ... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
48 | Is the “Bank on Yourself” a legitimate investment strategy, or a scam? | Oddly enough, I started to research the "Bank on Yourself" strategy today as well (even before I'd ran across this question!). I'd heard an ad on the radio for it the other day, and it caught my attention because they claimed that the strategy isn't prone to market fluctuations like the stock market. It seemed in their... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
49 | Why would a company sell debt in order to buy back shares and/or pay dividends? | I believe that article provides some good reasons, though it may be a bit light on technical details and there are likely other reasons a company would do it. So, if they can finance for less then they would lose to taxes by bringing the money home and they do not take on too much debt, this will likely work just fine ... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
50 | Why does Charles Schwab have a Mandatory Settlement Period after selling stocks? | Another explanation is that they keep your money three days to make money with it, because they can. The other reasons might have been valid 100 years ago, and no bank would voluntarily cut that down until forced by law. Example: In Europe, bank to bank transfers used to take three days, until a law forced them to give... | Share your insights or perspective on the financial matter presented in the input. |
51 | What governs the shape of price history graphs? | Dividend-paying securities generally have predictable cash flows. A telecom, electric or gas utility is a great example. They collect a fairly predictable amount of money and sells goods at a fairly predictable or even regulated markup. It is easy for these companies to pay a consistent dividend since the business is "... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
52 | Investing in dividend-yielding stocks with money borrowed from margin account? | Is it safe to invest in a portfolio of dividend stocks yielding 7-9% with the money borrowed at 3-4% from one of these brokerages? Yes and no. It depends on your risk profile! Any investment has its risks of losing your capital, but not investing is a guaranteed risk, as you will be guaranteed to fall behind the rate o... | Share your insights or perspective on the financial matter presented in the input. |
53 | Are stock prices purely (or mostly) only based on human action? | Stock prices are indeed proportional to supply and demand. The greater the demand for a stock, the greater the price. If they are, would this mean that stock prices completely depend on HOW the public FEELS/THINKS about the stock instead of what it is actually worth? This is a question people have argued for decades. L... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
54 | How to trade large number of shares? | You need to negotiate with your broker to allow you to do more exotic order types. One in particular I recommend is a "hidden" aka iceberg order. You enter two numbers. The first is the number of shares for your entire order, the second is the amount that will be displayed in the book (this is the tip of the iceberg... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
55 | Why is day trading considered riskier than long-term trading? | But I don't see how it's any different than buying a stock at a low price and holding on to it for some months. Based on your question, I would say the difference is time. Day trading by its nature is a 6-hour endeavor. If you buy low and are planning to sell high, then you only have a few hours to make this happen. As... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
56 | Yahoo Finance shows incorrect data | Yes, I see the same problem. Google's version seems to be correct, however. | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
57 | What ETF best tracks the price of gasoline, or else crude oil? | Do not buy any commodity tracking ETF without reading and understanding the prospectus. Some of these things get exposure to the underlying commodity via swaps or other hocus-pocus derivatives, so you're really buying credit obligations from some bank. Others are futures based, and you need to understand your potential... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
58 | How do i get into investing stocks [duplicate] | Everything that I'm saying presumes that you're young, and won't need your money back for 20+ years, and that you're going to invest additional money in the future. Your first investments should never be individual stocks. That is far too risky until you have a LOT more experience in the market. (Once you absolutely ca... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
59 | What does dividends passed mean in terms of stock? | A "covenant" is a solemn promise to engage in or refrain from a specified action. Every company must do a balancing act while declaring the dividends in terms of companies interest (can it use the surplus cash to generate more revenue) to shareholders' interests, giving back to them the profits that due. Many countries... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
60 | Family suggests my first real estate. Advice? | Living in one unit of a multi-family while renting out the others, although not without its risks, can be a viable (if gradual) way to build wealth. It's been rebranded recently as "house hacking", but the underlying mechanics have been around for many years (many cities in the Northeast in particular remain chock full... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
61 | Why should I trust investment banks' ratings? | Investment banks will put out various reports and collect revenues from that along with their banking activity. I don't read them or care to read them myself. If banks can make money from something, they will likely do it, especially if it is legal. To take the Tesla stock question for a moment: Aren't you ruling out... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
62 | Do I make money in the stock market from other people losing money? | There's really not a simple yes/no answer. It depends on whether you're doing short term trading or long term investing. In the short term, it's not much different from sports betting (and would be almost an exact match if the bettors also got a percentage of the team's ticket sales), In the long term, though, your p... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
63 | which types of investments should be choosen for 401k at early 20's? | I can't find a decent duplicate, so here are some general guidelines: First of all by "stocks" the answers generally mean "equities" which could be either single stocks or mutual funds that consist of stocks. Unless you have lots of experience that can help you discern good stocks from bad, investing in mutual funds re... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
64 | Why do people invest in mutual fund rather than directly buying shares? | How on earth can you possibly know what is going on in individual company X? The sole exception is if it is your own company. The stock markets of the world are in fact a nest of sharks. The big sharks essentially make money out of the little sharks. Some little sharks manage not to be eaten, and grow bigger. Good ... | Share your insights or perspective on the financial matter presented in the input. |
65 | Why do new car loans, used car loans, and refinanced loans have different rates and terms? | There are normally three key factors that define different kinds of loans, these factors affect the risk that the lender takes on and so the interest rate. The interest rate on any loan is linked to market interest rates; the lender shouldn't be able to receive a higher rate of interest for lending the money at no risk... | Share your insights or perspective on the financial matter presented in the input. |
66 | Do ETF dividends make up for fees? | Any ETF has expenses, including fees, and those are taken out of the assets of the fund as spelled out in the prospectus. Typically a fund has dividend income from its holdings, and it deducts the expenses from the that income, and only the net dividend is passed through to the ETF holder. In the case of QQQ, it cer... | Share your insights or perspective on the financial matter presented in the input. |
67 | Why do people always talk about stocks that pay high dividends? | Someone who buys a stock is fundamentally buying a share of all future dividends, plus the future liquidation value of the company in the event that it is liquidated. While some investors may buy stocks in the hope that they will be able to find other people willing to pay more for the stock than they did, that's a ze... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
68 | Why do many British companies offer a scrip dividend option in lieu of cash? | There are quite a few reasons that a company may choose to pay dividends rather than hold cash [increasing the share value]. Of couse there are equally other set of reasons why a company may not want to give dividends and hold on to cash. Related question here Please explain the relationship between dividend amount, ... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
69 | Choosing which ESPP stocks to sell? | the difference would be taxes... Lets say you have two lots, one with a 10 dollar gain, and one with a 20 dollar gain. And lets say you decide to sell one lot this year, and the other lot in 10 years. AND, lets say that it turns out the stock price is exactly the same in ten years as it is when you sell the first lo... | Share your insights or perspective on the financial matter presented in the input. |
70 | Comparison between buying a stock and selling a naked put | Why do all this work yourself? Pay a modest price to have a professional do this for you. Look at the tickers PUTX, PUTW. | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
71 | How can I pay for school to finish my degree when I can't get a student loan and have bad credit? | When considering such a major life decision, with such high potential costs and high potential rewards, I encourage you to consider multiple different potential options. Even if loans were available, they might not be the best option. Less debt and an engineering degree is better than more debt and an engineering degre... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
72 | Is it preferable to move emergency savings/retirement into offset mortgage? | Assuming no constraints on how much you can move (or how frequently) into and out of your offset mortgage account, the question becomes one of what rate of return you expect from your long-term savings/emergency cash fund. The rate you are getting from the offset mortgage account is known; since it reduces the principa... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
73 | Net loss not distributed by mutual funds to their shareholders? | I'll try to answer using your original example. First, let me restate your assumptions, slightly modified: The mutual fund has: Note that I say the "mutual fund has" those gains and losses. That's because they occur inside the mutual fund and not directly to you as a shareholder. I use "realized" gains and losses beca... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
74 | What things are important to consider when investing in one's company stock? | Does your job give you access to "confidential information", such that you can only buy or sell shares in the company during certain windows? Employees with access to company financial data, resource planning databases, or customer databases are often only allowed to trade in company securities (or derivatives thereof... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
75 | How are proceeds from writing covered calls taxed? | Successful covered calls are short term capital gains. The amount of time you have owned the underlying security is irrelevant. The gain occurred in the option period which will be an amount of days less than needed for a long term capital gain classification. Failed Covered calls can be either as the date you acquired... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
76 | Is it a good idea to get a mortgage when buying a house, for credit reasons? | I would go with the family route if I was you. And i think many other people would if they were fortunate to have such a great option. This will allow you to move faster when your trying to buy a new house because you can easily get a mortage if you see a stellar deal. Also you can establish credit in much cheaper way... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
77 | What happens to public shareholders when a public stock goes private? | I can see two possibilities. Either a deal is struck that someone (the company itself, or a large owner) buys out the remaining shares. This is the scenario @mbhunter is talking about, so I won't go too deeply into it, but it simply means that you get money in your bank account for the shares in question the same as if... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
78 | What implications does having the highest household debt to disposable income ratio have on Australia? | It is basically the same situation what US was when the crash happened. People took on debt without the means to pay, even with awful credit records. But the problem isn't the debt people take on themselves, but with the limited disposable income they have how efficiently can their debts be serviced. And how do banks w... | Share your insights or perspective on the financial matter presented in the input. |
79 | Tax on Stocks or ETF's | No, not really. This depends on the situation and the taxing jurisdiction. Different countries have different laws, and some countries have different laws for different situations. For example, in the US, some investments will be taxed as you described, others will be taxed as "mark to market", i.e.: based on the FMV d... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
80 | dividend cover ratio for stocks | Profit after tax can have multiple interpretations, but a common one is the EPS (Earnings Per Share). This is frequently reported as a TTM number (Trailing Twelve Months), or in the UK as a fiscal year number. Coincidentally, it is relatively easy to find the total amount of dividends paid out in that same time frame... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
81 | Should the poor consider investing as a means to becoming rich? | What could a small guy with $100 do to make himself not poor? The first priority is an emergency fund. One of the largest expenses of poor people are short-term loans for emergencies. Being able to avoid those will likely be more lucrative than an S&P investment. Remember, just like a loan, if you use your emergency fu... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
82 | What is an ideal number of stock positions that I should have in my portfolio? | There is no ideal number of stocks you should own. There are several factors you should consider though. First, how actively do you want to manage your portfolio. If you want to be very active then the number of stocks you own should be based on the amount of time you have to research the company, by reading SEC filing... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
83 | Is there such a thing as a non-FDIC savings account, which earns better interest? | Everyone would like a savings/checking account that has the same liquidity as others but pays multiple times as much, but such a thing would break the laws of finance. The thing keeping savings and checking accounts cheap isn't particularly the FDIC insurance but the high liquidity and near certainty that you will not... | Share your insights or perspective on the financial matter presented in the input. |
84 | Market index analysis and techniques | Volume and prices are affected together by how folks feel about the stock; there is no direct relationship between them. There are no simple analysis techniques that work. Some would argue strongly that there are few complex analysis techniques that work either, and that for anyone but full-time professionals. And the... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
85 | If stock price drops by the amount of dividend paid, what is the use of a dividend | The stock will slowly gain that $1 during the year. Suppose we have the highly theoretical situation that a company's stock is worth exactly $10 right after it paid its dividend, its dividend is always $1 per stock, and the company and everything else is so stable that its value never changes. Then the stock value righ... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
86 | how derivatives transfer risk from one entity to another | When you buy a call option, you transfer the risk to the owner of the asset. They are risking losing out on gains that may accumulate in addition to the strike price and paid premium. For example, if you buy a $25 call option on stock XYZ for $1 per contract, then any additional gain above $26 per share of XYZ is misse... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
87 | Is the Swiss stock market inversely correlated with the Swiss Franc like Japan today? | Roughly about 1 of 2 Swiss francs is won abroad. So, yes it is easier for Swiss companies to export when the Swiss franc is not "too high" as it has been those last years. The main export market for Switzerland is the UE. Some companies are doing most or all of their business on the Swiss market. Others are much more e... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
88 | Multi-user, non-US personal finance and budget software | My wife and I have been ridiculously happy with YNAB. It's not "online," but syncs across our phones & computers using Dropbox. It supposedly supports different locales and currencies, but I have never needed to try that out. | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
89 | Why call option price increases with higher volatility | The mathematics make it easier to understand why this is the case. Using very bad shorthand, d1 and d2 are inputs into N(), and N() can be expressed as the probability of the expected value or the most probable value which in this case is the discounted expected stock price at expiration. d1 has two σs which is volatil... | Share your insights or perspective on the financial matter presented in the input. |
90 | Are stories of turning a few thousands into millions by trading stocks real? | you'll need 25k to start or 2k in multiple accounts, that way you have access to margin, and don't have to worry about Pattern day trading limits. Be right more than you are wrong. Go up look for 3x potential up vs down risk. Compound daily. you can't double a penny every day every day for a month it becomes to diffic... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
91 | Are RSUs ever taxed as long term capital gains? | Yes. You incur income tax on the RSU on they date they vest. At this point you own the actual shares and you can decide to sell them or to hold them. If you hold them for the required period, and sell them later, the difference between your price at vesting and the sales price would be taxed as long term capital gains.... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
92 | Start a Holding Company? | If you are trying to invest in closely held / private companies (things that don't trade on the stock market), you will run into a variety of regulatory problems. For various reasons, most private companies only raise funds with accredited investors. To be an accredited investor you basically have to have $1,000,000 in... | Share your insights or perspective on the financial matter presented in the input. |
93 | Why have I never seen a stock split? | If you want to see one split, well, a reverse split anyway, keep an eye on TZA, FAZ, BGZ, and any Direxion fund. These funds decay continuously forever. Once they get close to $10-$15 or so, they reverse-split them back to the $30-$50 range and the process starts over. This happens about once a year. A few years ago... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
94 | Is 6% too high to trade stocks on margin? | That seems a little high in my experience. I've used a home equity line of credit instead, as the rates are much lower (~3.5%). | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
95 | Why did the price of ASH common stock drop when the market opened on May 15, 2017? | Ashland Global Holdings Inc. (ASH) sold off their ownership in Valvoline Inc. (VVV). Friday, May 12 was the distribution date of the sale; at the end of the day, every stockholder of ASH received 2.745338 shares of VVV stock for each share of ASH held. That is why the value of ASH has dropped significantly on open th... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
96 | What are dividends, when are they paid, and how do they affect my position? | Dividends can also be automatically reinvested in your stock holding through a DRIP plan (see the wikipedia link for further details, wiki_DRIP). Rather than receiving the dividend money, you "buy" additional stock shares your with dividend money. The value in the DRIP strategy is twofold. 1) your number of shares incr... | Offer your thoughts or opinion on the input financial query or topic using your financial background. |
97 | What is the point of owning a stock without dividends if it cannot be resold? | Shares often come associated with a set of rights, such as ability to vote in the outcome of the company. Some shares do not have this right, however. With your ability to vote in the outcome of the company, you could help dictate that the company paid dividends at a point in time. Or many other varieties of outcomes. ... | Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering |
98 | At what percentage drop should you buy to average down | TL;DR; There is no silver bullet. You have to decide how much to invest and when on your own. Averaging down definition: DEFINITION of 'Average Down' The process of buying additional shares in a company at lower prices than you originally purchased. This brings the average price you've paid for all your shares down. B... | Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open. |
99 | How do I know when I am financially stable/ready to move out on my own? | I recently moved out from my parents place, after having built up sufficient funds, and gone through these questions myself. I live near Louisville, KY which has a significant effect on my income, cost of living, and cost of housing. Factor that into your decisions. To answer your questions in order: When do I know tha... | Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited. |
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