instruction stringlengths 15 21.6k |
|---|
[businessinsider.com](https://www.businessinsider.com/israel-palestine-and-covid-19-vaccines-legal-and-moral-obligations-2021-1) claims that:
> Healthcare in Israel is universal and, by law, all citizens and permanent residents must participate in it.
I find this surprising, as typically citizens who do not resid... |
Assume that I need 15.000$ (USD) per year to cover all my costs inlcluding health insurance. How much money do I need to retire? The naive approach would be something like that: An ETF gives, on average, maybe something like 6% so I would need 15.000/0.06= 250.000$. But this might be too naive since it only considers t... |
How much money do I need to retire? |
I hope people will indulge me what may be a rather dumb question. If you take the standard deduction/don't itemize, does contributing to a Traditional 401(k), Health Savings Account, or flex medical spending account still reduce your tax liability? How about a Traditional IRA? Does it make a difference whether it was w... |
Do Traditional 401(k), FSA, and HSA contributions reduce your tax liability even if you don't itemize? |
I'm looking for ETFs with a specific stock (in this case: SNDL) in it. But when I look at different sites that track ETFs, some sites say an ETF will have the stock and other sites don't list it at all.
1. Why are these sites reporting different info?
2. What should I look at to know what stocks are in an E... |
Why do different ETF tools show different information (specifically which stocks are in an ETF)? |
The common info on the web is that you _typically_ don't have to repay stimulus checks, if it turns out that you shouldn't have gotten them, or only partially gotten them.
What if someone files a 2020 return now (Mid of February 2020), with a reported income _below_ the cutoff, the filing gets accepted and he gets b... |
Can you get (and keep) a stimulus payment by filing 2020 income 'accidentally low', and later file a 1040-X? |
I have a question about whether I understand this correctly. Take the following warrant:
Call 19.03.21 Tesla 540
Currently traded for 11.27€ (13.67USD).
Am I correct to assume that once this call expires, (March 19th, 2021) I will get the difference between the closing price and $540? (assuming the share price ... |
Let me say upfront that I understand U.S. warrants and since this is a complex foreign warrant, my take may be way off.
The whole thing seems sketchy to me. They offer 4 scenarios where you make or lose money but they offer no share price value for any of those scenarios. They call them `Stress scenario, Unfavoura... |
Generally, it is recommended to use 4% initial withdrawal. That gives you a 99% chance to make it through 30 years, _using up the capital in the process_. So unless you plan to die in 30 years, that's too thin.
The 4% rule gives you however a nearly as good chance to still have the capital or even more, so if you're ... |
I know the revenue growth and net income growth are both important.
A company releases a quarterly financial report that the revenue decreases 3% Y/Y, but the net income increases 72% Y/Y due to operation cost cut.
Assume there is no change on the number of outstanding shares and other conditions.
Is this ... |
Assume that I need $15,000 (USD) per year to cover all my costs including health insurance. How much money do I need to retire?
The naive approach would be something like this: An ETF gives, on average, maybe something like 6%, so I would need 15,000/0.06 = $250,000. But this might be too naive since it only conside... |
I've recently invested in a couple of OTC stocks (1st time exploring the OTC market) and unfortunately there's no option chain available. Question is, how can I protect those stocks in particular from downside risk when there are no options available? They've (as you can imagine in this market) appreciated quite a bit... |
How to hedge/protect my stocks that do not have an option chain? |
My daughter recently started college, and I'm looking at paying for it out of her 529 account.
A significant part of the cost is room and board. The IRS website about [qualified educational expenses](https://www.irs.gov/credits-deductions/individuals/qualified-ed-expenses) says that room and board are not a qualifi... |
Is room and board a qualified expense? |
I've recently invested in a couple of OTC stocks (1st time exploring the OTC market) and unfortunately there's no option chain available. Question is, how can I protect those stocks in particular from downside risk when there are no options available? They've (as you can imagine in this market) appreciated quite a bit... |
The common info on the web is that you _typically_ don't have to repay stimulus checks, if it turns out that you shouldn't have gotten them, or only partially gotten them.
What if someone files a 2020 return now (Mid of February 2020), with a reported income _below_ the cutoff, the filing gets accepted and he gets b... |
If a health insurance plan considers a physician with a given National Provider Identifier (NPI) in-network, does this mean that any physician billing via the same NPI is also considered as in-network? |
If a health insurance considers a physician with a given NPI as in-network, does this mean that any physician with the same NPI is also in-network? |
If a health insurance plan in the United States considers a physician with a given National Provider Identifier (NPI) in-network, does this mean that any physician billing via the same NPI is also considered as in-network? |
Of course they could have. In fact, they are probably already participating, and the price movement is more due to the funds than to individual investors on Reddit. Just check out [GME's statistics][1].
As of time of writing:
[![enter image description here][2]][2]
95% institutional ownership. Unless the fund ... |
The other answers don't understand the concept of raising capital.
First the principle investors will ask you to clear your books minus the current leadership team. You are part of clearing the books because investors want as high of a return as possible and your 4.5% is in the way.
In reality your 4.5% i... |
> If a health insurance plan in the United States considers a physician
> with a given National Provider Identifier (NPI) in-network, does this
> mean that any physician billing via the same NPI is also considered as
> in-network?
Based on my years of experience, the answer is maybe. It should be yes, but always ... |
I recently applied for a credit card with a bank I had never done business with before. One day I got a confusing call from them. From what I understood [Equifax][1] and [Transunion][2] have an old address on file for me. Apparently this wasn't an issue for the credit card but it could affect my ability to get a loan. ... |
How do I update my address with Transunion and Equifax and what are they? |
My utility department sent me back some of my security deposit; however the check is made out to both me and my ex.(who I don’t know his where abouts) so it’s pay to order of said person and then address is c/o my name and address (since his where abouts is unknown). What do I do? Can I deposit it into my account or do... |
I know the revenue growth and net income growth are both important.
A company releases a quarterly financial report that the revenue decreases 3% Y/Y, but the net income increases 72% Y/Y due to operation cost cut.
Assume there is no change on the number of outstanding shares and other conditions.
Is this ... |
I know the revenue growth and net income growth are both important.
A company releases a quarterly financial report that the revenue decreases 3% Y/Y, but the net income increases 72% Y/Y due to operation cost cut.
Assume there is no change on the number of outstanding shares and other conditions.
Is this ... |
In my most recent payroll (which included bonuses), I messed up my contribution % for pre-tax and after-tax 401k. I ended up with $10k in pre-tax and $44k in after-tax (+4k in employer matches), when my intent was to do $10k and $23k.
The issue is that this already puts me at the full $58k limit for 2021 instead of ... |
My question is about James Chen's article on Investopedia, [Annual Percentage Yield (APY)](https://www.investopedia.com/terms/a/apy.asp), last updated on October 17, 2020.
It begins by correctly stating the formula for APY:
```
APY = (1 + r / n)^n - 1
```
Where "r" is the per-period interest rate (normalised... |
Mistake in Investopedia's article on APY? |
I find very interesting that Bloomberg Barclays Euro Inflation Linked 10+ (Euro) securities increased their price in the last 6 month with about +4.4%.
Looking on the equivalent USD TIPS my increase (should be also long term securities but cannot find their duration now, TIPS.L) for the same period was of "only" about... |
I have a 401k through Fidelity and have recently started being more active in the market. I was haphazardly selecting funds that seemed to do well but apparently wasn't the most advantageous due to their expense ratios. So I decided to rebalance and from here do a lookback each year on performance.
To make sure I un... |
I have a 401k through Fidelity and have recently started being more active in the market. I was haphazardly selecting funds that seemed to do well but apparently wasn't the most advantageous due to their expense ratios. So I decided to rebalance and from here do a lookback each year on performance.
To make sure I un... |
>What am I doing wrong in my calculation?
You're not considering the _timing_ of all of those activities. If your contributions all happened at the beginning of the year, then you'd need a lower return to get a change in market value of $8,334 than if they all happened at the end of the year.
I have no idea how ... |
>What am I doing wrong in my calculation?
You're not considering the _timing_ of all of those activities. If your contributions all happened at the beginning of the year, then you'd need a lower return to get a change in market value of $8,334 than if they all happened at the end of the year.
Your calculation ba... |
Hmm. I'll gladly yield on this if someone else knows a way, but I don't think there's any way to update your address on Equifax or Transunion directly. You don't have a userid and password with them. You cannot update their data about you directly. If you could, they would be useless. The whole point of credit reportin... |
I'm trying to understand how to account for the following scenario.
Three partners purchase a somewhat dilapidated income property for $600K, each partner contributing one third. It requires significant work to prepare for leasing, totaling $120k.
One of the three partners contributes an additional $120k to the p... |
Loan to partnership or equity contribution? |
I'm trying to understand how to account for the following scenario.
Three partners purchase a somewhat dilapidated income property for $600K, each partner contributing one third. It requires significant work to prepare for leasing, totaling $120k.
One of the three partners contributes an additional $120k to the p... |
I'm trying to understand how to account for the following scenario.
Three partners purchase a somewhat dilapidated income property for $600K, each partner contributing one third. It requires significant work to prepare for leasing, totaling $120k.
One of the three partners contributes an additional $120k to the p... |
I was too late to profit from the Gamestop short squeeze at end of January. However I took interest and kept an eye on some statistics for the Gamestop stocks:
In January, the short percent of float was as high as 140% (See: https://money.stackexchange.com/questions/135446/how-can-gamestop-be-short-140-of-float?r=Se... |
What happened to half the Gamestop shorts between 10th and 12th of February? |
My wife, "Anne", is a Licensed Professional Counselor (LPC) in mental health. This past year she left her full time job as an employee of a local hospital to join a private practice, "XYZ Health, LLC". She signed an agreement whereby XYZ provides her with things like office space and supplies, software for charting a... |
If an LLC sends me a 1099 but I paid some of the money back to them, do I need to also send them a 1099? |
The other answers don't understand the concept of raising capital.
First the principle investors will ask you to clear your books minus the current leadership team. You are part of clearing the books because investors want as high of a return as possible and your 4.5% is in the way.
In reality your 4.5% i... |
This would definitely be worth asking an accountant about. But here is my unprofessional opinion.
You need to send a 1099-NEC or 1099-MISC to anyone that you pay more than $600 to over the year that is not a corporation. Given that, "Beth" would need to get a 1099-NEC from you. As for "XYZ Health, LLC," the rule ... |
Hypothetical situation: If I have 25000$ cash in my account and the margin offered by broker is 50%.
So, the cash I can use is $25000, my margin amount is $50,000 and my buying power is $75000.
I short sale stock worth $5000. How much of initial cash is now available for buying securities after shorting? What woul... |
Ever tried to buy something in a shady night market? The first offer is always ridiculous. The beginner asks for 25% discount - and has already lost, as he should have asked for 85%.
That's happening to you right now.
Even if you asked them to double up on their offer, you'd be losing. Calculate what you think is... |
I recieved a trillium check in the mail, I didnt sign it yet. The cheque was stolen and I want to know if shesigns the cheque and deposits it into her ATM can she withdrawl the money right away?
|
Can a stolen Government cheque be cashed by someone else? |
This would definitely be worth asking an accountant about. But here is my unprofessional opinion.
You need to send a 1099-NEC or 1099-MISC to anyone that you pay more than $600 to over the year that is not a corporation. Given that, "Beth" would need to get a 1099-NEC from you. As for "XYZ Health, LLC," the rule ... |
I own some shares in a company OAS that was delisted fron Nasdaq, it went to trade at OTC under ticker OASPQ. It later underwent a reorganization (Chapter 11) and is back traiding at Nasdaq under its old ticker OAS. **What happened to the shares I owned in OAS before it was delisted?**
Accoring to an app I was traid... |
What happened to the shares in this ocmpany? |
I sold a cash secured put for XYZ stock. It is Aug 20, 2021 expiry for $34 Strike Price. The stock was trading at $31.60 when I sold the PUT. I have received $1K premium for that stock.
Now, I have the following questions:
1. If the stock price reaches $35 any day before Aug 20, 2021, will I automatically be assi... |
I sold a cash secured put for XYZ stock. It is Aug 20, 2021 expiry for $34 Strike Price. The stock was trading at $31.60 when I sold the PUT. I have received $1K premium for selling that option.
1. If the stock price reaches $35 any day before Aug 20, 2021, will I automatically be assigned 100 shares at $34 stock ... |
I own some shares in a company OAS that was delisted from Nasdaq. It went to trade at OTC under ticker OASPQ. It later underwent a reorganization (Chapter 11) and is back trading at Nasdaq under its old ticker OAS. **What happened to the shares I owned in OAS before it was delisted?**
According to an app I was tradi... |
What happened to the shares in this company? |
I've been unemployed and have paid into the COBRA dental, vision, and healthcare plan of my previous employer, ever since being laid off from that job.
I submitted my last COBRA payment on February 1, which pays for my COBRA dental, vision, and healthcare plan during the month of February.
I will start a new j... |
If I get covered by a new healthcare plan in the middle of a month that is already covered by COBRA, will I get double coverage or a prorated refund? |
If you have $25k cash in your account and the margin offered your broker is 50% then you have $50k of buying power (not $75k). At 50%, your broker will lend you an amount equal to the total of your cash and marginable securities. Here's the long margin calculation:
Market Debit Equity Margin
V... |
Briefly:
- Linkers hedge against their underlying currencies' exposure to inflation risk
- Linker price increase may indicate buying pressure
- Buying pressure may indicate buyers to expect an increase of the risk the product hedges against
- As the product hedges EUR inflation risk, this may indicate eroding... |
I read a lot of places where it takes the following steps to calculate unrealized gain/losses:
step1: Multiply the price you paid per share by the number of shares purchased to calculate your cost for the stock.
step2: Multiply the current price by the number of shares you own to figure the current value of the ... |
For example, let's assume that a lab collection requisition lists two tests: test A and test B (e.g., test A and test B can be some blood tests). Can the patient do test A in one lab and test B in another lab, and still be covered by the health insurance? Or does the patient need to have two distinct lab collection req... |
Can a lab collection requisition be used in two different labs and still be covered by the health insurance? |
For example, let's assume that a lab collection requisition lists two tests: test A and test B (e.g., test A and test B can be some blood tests). Can the patient do test A in one lab and test B in another lab, and still be covered by the health insurance? Or does the patient need to have two distinct lab collection req... |
For example, let's assume that a lab collection requisition lists two tests: test A and test B (e.g., test A and test B can be some blood tests). Can the patient do test A in one lab and test B in another lab, and still be covered by the health insurance? Or does the patient need to have two distinct lab collection req... |
I bought 4 shares of Tesla on 3 separate occasions (between October 2019 and September 2020) and recently became aware that my brokerage account lists 12 shares rather than 4. So, my cost basis is $1500 and the value is $8000 rather than $3200.
Putting ethical decisions aside, what happens if or when my large multin... |
Broker error: Do I owe them the shares' previous or present value? |
How did my 4 Tesla shares turn into 12 shares? |
I want to organize my investments to maximise the use of annual tax free allowances in the UK. Assume no income from employment, so Investment Ideas to maximise use of the Personal Allowance are invited. The following is what I believe we can utilize - but are there others?
1. Personal Allowance: £12500
2. Starti... |
In the united states the insurance company decides which lab testing company will be used to perform the test.
My spouse works in a doctors office, in the lab. Some small quick tests can be done in the office, others have to be sent out. Each insurance company decides how test A and test B are done, in the office or... |
I want to organize my investments to maximise the use of annual tax free allowances in the UK. Assume no income from employment, so Investment Ideas to maximise use of the Personal Allowance are invited. The following is what I believe we can utilize - but are there others?
1. Personal Allowance: £12500
2. Starti... |
You have to ask two organizations:
- The new company. They will know when coverage starts. For most large companies it will be one day one. For many small companies it can be the first day of the next month, depending how their arrangement with the insurance company or benefits provider. The company I work for recen... |
Searching for "how to annualize interest rates" on Google leads to the following results:
1. Wikihow's [How to Annualize a Percentage](https://www.wikihow.com/Annualize-a-Percentage)
2. Investopedia's [Annualized Rate of Return](https://www.investopedia.com/terms/a/annualized-rate.asp)
## Wikihow
Recommends... |
Searching for "how to annualize interest rates" on Google leads to the following results:
1. Wikihow's [How to Annualize a Percentage](https://www.wikihow.com/Annualize-a-Percentage)
2. Investopedia's [Annualized Rate of Return](https://www.investopedia.com/terms/a/annualized-rate.asp)
## Wikihow
Recommends... |
If we have an annual rate of return of 7% for our stock investment, how much is the monthly rate?
First of all, why might we want to use monthly rate: that's because we may do monthly contribution of $300 to the account, so we need to calculate it month by month.
I have seen articles that talk about [just to divi... |
How to convert annual rate to monthly rate for personal investment? |
If we have an annual rate of return of 7% for our stock investment, how much is the monthly rate?
First of all, why might we want to use monthly rate: that's because we may do monthly contribution of $300 to the account, so we need to calculate it month by month.
I have seen articles that talk about [just to divi... |
Rates for loans and fixed income deposits (savings accounts, bonds) are typically quoted as an annualized rate without compounding, so when you see a loan at 12% interest, it's really a loan at 1% monthly. Quoting that way makes different compounding periods easily comparable and easier for consumers to understand the ... |
I have a traditional IRA with Vanguard that originated as a 401k rollover (so they call it a Rollover IRA). This year I have a lot of self-employment income, and I am qualified to make a SEP IRA contribution of about $20,000 for the previous tax year. Is it possible to make the contribution into my traditional IRA but ... |
Rates for loans and fixed income deposits (savings accounts, bonds) are typically quoted as an annualized rate without compounding, so when you see a loan at 12% interest, it's really a loan at 1% monthly. Quoting that way makes different compounding periods easily comparable and easier for consumers to understand the ... |
If we have an annual rate of return of 7% for our stock investment, how much is the monthly rate?
First of all, why might we want to use monthly rate: that's because we may do monthly contribution of $300 to the account, so we need to calculate it month by month.
I have seen articles that talk about [just to divi... |
Is there going to be a penalty wavier for IRA withdrawals in 2032? |
Is there going to be a penalty wavier for IRA withdrawals in 2021? |
If a person is having a hard time in 2021 and he is under 59.5 decides to take a withdrawal from his IRA, under current law he is subject to a 10% penalty. Now congress is debating another COVID relief package and it looks like it is going to pass.
Does that package include a waiver of the 10% penalty for early IRA... |
Is there going to be a penalty waiver for IRA withdrawals in 2021? |
This is a question from a layperson about the fundamental concept of hedging, with regards to investing, gambling, and any situation in which hedging is used to manage risk.
I do not understand why hedges are used as a risk management tool. Could the same reduction in risk not usually be achieved by simply betting/i... |
Let's say I win a contract to supply widgets. The contract is for $600K.
Unfortunately I need 6 months to make the widgets but I've negotiated and I'll get paid $100K every month as I manufacture the widgets till I've supplied all I'm supposed to.
So far so good but I'm not located in the US and I need to pay my... |
My son does not have any securities licenses but has been DESTROYING the market for almost two years. I want to start trading based on his advice. I don't need warnings about "what if you lose money, will it spoil your relationship?" I need to know if the SEC/IRS can somehow come after him or me if I take his advice... |
Is it legal to get free advice from a friend regarding investing? (USA) |
I received a trillium check in the mail, I didn't sign it yet. The cheque was stolen and I want to know if she signs the cheque and deposits it into her ATM can she withdrawal the money right away?
|
I transferred XX amount of money in 2020 from my bank to my broker. I did well in the market, and doubled it to 2 * XX in early 2021. At this point, I transferred half of that money, XX (the original investment) back to my bank, keeping XX dollars in the brokerage account. Will this trigger a capital gains tax? (I live... |
I transfered gains from my broker to my bank. Will this necessarily trigger a tax event? |
I was reading recently that markets are overvalued, and came across a term called the 'Buffett Indicator' from Warren Buffett:
> The "Buffett indicator" divides the combined market capitalization of a country's publicly traded stocks by its quarterly gross domestic product. Investors use it as a rough gauge of the s... |
Is it legal to get free advice from a friend regarding investing? |
I transferred XX amount of money in 2020 from my bank to my broker. I did well in the market, and doubled it to 2 * XX in early 2021. At this point, I transferred half of that money, XX (the original investment) back to my bank, keeping XX dollars in the brokerage account.
Will this trigger a capital gains tax? (I l... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.