vania-janet/multiturn-rag-retrieval-data huggingface dataset:
First utilize a security screener to identify the security profiles you are looking to identify for identifying your target securities for shorting.  Most online brokers have stock screeners that you can utilize.   At this point you may want to look at your target list of securities to find out those that are eligible for shorting. The SHO thresold list is also a good place to look for securities that are hard to borrow to eliminate potential target securities. http://regsho.finra.org/regsho-Index.html  Also your broker can let you know the stocks that are available for borrowing.  You can then take your target securities and then you can look at the corporate filings on the SEC's Edgar site to look for the key words you are looking for. I would suggest that you utilize XBRL so you can electronically run your key word searched in an automated manner.   I would further suggest that you can run the key word XBRL daily for issuer filings of your target list of securities.  Additional word searches you may want to consider are those that could indicate a dilution of the companies stock such as the issuance of convertible debt.  Also the below link detailing real short interest may be helpful.  Clearing firms are required to report short interest every two weeks. http://www.nasdaq.com/quotes/short-interest.aspx
What is the minimum information someone would need to know about me to wire money out of my brokerage account? In today's world, there could be sufficient info on the statement that can be coupled with info available in other sources and together this info in wrong hands could be an issue. I should probably encrypt the drive. Yes it does make sense
I work at a public accounting firm. It's in tax, but I know the audit side of the house pretty well as well.  &gt;Without public confidence in the profession, CPA firms wouldn't exist. It's truly an incentive to do a good job and continually gain confidence. They incidentally make money along the way.  That's really the heart of the argument. During my schooling we talked about ethics pretty much constantly. In almost every state now, you're required to take a 3 credit hour ethics class prior to sitting for the CPA exam, and you're required to do continuing education. How much depends on the state, but 40-60 hours every three years is par for the course. Of those hours, typically 4-5 of them have to be approved ethics courses.  There's also a whole litany of codes of conduct that a CPA must follow. For example, I, as a tax person am bound to follow the codes of conduct of:  * The SEC * The PCAOB * The IRS * The AICPA * My State Board of Accountancy * My Firm  A serious violation of any one of those codes can lead to a suspension of my license. e.g. I won't ever be able to work in public accounting again. As a profession, most of the CPA's that I've met are above board, but there will always be a few bad apples.   On the audit side, the PCAOB (a government agency) audits all the public accounting firms that do assurance work something like every 3 years. The SEC can get involved as well if they think something fishy is going on.
Per Md. REAL PROPERTY Code Ann. § 8-203: (d)      (1)      (i)      The landlord shall maintain all security   deposits in federally insured financial institutions, as defined in §   1-101 of the Financial Institutions Article, which do business in the   State. (ii)      Security deposit accounts shall be maintained in branches of the financial institutions which are located   within the State and the accounts shall be devoted exclusively to   security deposits and bear interest. (iii)      A security deposit shall be deposited in an account within 30 days after the landlord receives it. (iv)      The aggregate amount of the accounts shall be sufficient in amount to equal all security deposits for which the   landlord is liable. (2)      (i)      In lieu of the accounts described in paragraph (1) of this subsection, the landlord may hold the security   deposits in insured certificates of deposit at branches of federally   insured financial institutions, as defined in § 1-101 of the Financial   Institutions Article, located in the State or in securities issued by   the federal government or the State of Maryland. (ii)      In the aggregate certificates of deposit or securities shall be sufficient in amount to equal all security   deposits for which the landlord is liable. As such, one or more accounts at your preference; it's up to the bank how to treat the account, so it may be a personal account or it may be a 'commercial' account depending on how they treat it (but it must be separate from your personal funds).  A CD is perhaps the easiest way to go, as it's not a separate account exactly but it's easily separable from your own funds (and has better interest).  You should also note (further down on that page) that you must pay 3% interest, once per six months; so try to get an account that pays as close as possible to that.  You likely won't get 3% right now even in a CD, so consider this as an expense (and you'll probably find many people won't take security deposits in many situations as a result).
There were quite a few pre reqs before I could even take my first finance course. Because the first finance course included statistics and accounting. So you’d have a little bit of time to make a decision(at least at my university)
Pay attention to the guidelines for the number of questions on each topic, master the subjects that have the most questions.  IIRC, it was regulatory stuff (memorization) and value calculations/options (logic).    Memorize the stuff you have to memorize, UNDERSTAND the stuff you have to use logic to get through, so you can deal with questions as they come up.
Your local board of health will have all the guidelines in a neat package for you. Call the country health department for food related business requirements.   Be prepared to fill out a shitload of forms, pay a shitload of fees, and wait a shitload of days for processing.   Also, good luck!
(3) Entry level jobs are not requiring MBAs no matter how much you think they are. Jobs that want 4-5yrs exp want MBAs, but not ones that require 1-2 years. (4) I mentor undergrads from my alma mater - each one of them has landed a financial analyst role and none of them have an MBA. (5) I view the MBA with no experience as a negative not a positive. I got my undergrad 10 years ago my MBA 4 years ago. Further, let's look at some job reqs that support my stance: (1) https://www.tesla.com/careers/job/logistics-financialanalyst-53725?source=Indeed (2) http://schwabjobs.com/ShowJob/Id/1303833/Treasury%20Analyst,%20Corporate%20Finance (3) https://jobs.lever.co/wish/1020acab-423b-44e9-a1d5-9c10515ef7a2?lever-source=Indeed (4) https://www.upstart.com/careers/114362/apply?gh_jid=114362&amp;gh_src=ue0b8m (5) https://jobs.smartrecruiters.com/Ubisoft2/743999656810009-financial-analyst?codes=1-INDEED (6) https://wholefoods.wd5.myworkdayjobs.com/en-US/wholefoods/job/CA-Emeryville---Northern-California-Corporate/Financial-Analyst_Req-20170705304-1?source=Indeed (7) https://chj.tbe.taleo.net/chj04/ats/careers/requisition.jsp?org=NATUS&amp;cws=1&amp;rid=7263&amp;source=Indeed.com This literally took my 3 minutes to find 7 roles that have ZERO mention of MBA anywhere on the job req.
"The official source is the most recent Form 13F that Berkshire Hathaway, which is  filed with the Securities & Exchange Commission on a quarterly basis .  You can find it through the SEC filing search engine, using BRKA as the ticker symbol. and then looking for the filings marked 13-FR or 13-FR/A (the ""/A"" indicates an amended filing).   As you can see by looking at the 13-F filed for the quarter ending September 30  , the document isn't pretty or necessarily easy to read, hence the popularity of sites such as those that Chad linked to. It is, though, the truly official source from which websites tracking the Berkshire Hathaway portfolio derive their information."
It depends on the size of the payroll, not on the number of employees.  Probably you need to file Form 941 quarterly under this scenario.  You may or may not need to deposit taxes more frequently.  If you must deposit, then you need to do it electronically. I excerpted this from the instructions for Form 941: If your total taxes (line 10) are less than $2,500 for   the current quarter or the preceding quarter, and you   did not incur a $100,000 next-day deposit obligation   during the current quarter. You do not have to make a deposit. To avoid a penalty, you must pay the amount in full with a timely filed return or you must deposit the amount timely. ... If you are not sure your total tax liability for the current quarter will be less than $2,500 (and your liability for the preceding quarter was not less than $2,500), make deposits using the semiweekly or monthly rules so you won't be subject to failure to deposit penalties. If your total taxes (line 10) are $2,500 or more for the   current quarter and the preceding quarter.  You must   make deposits according to your deposit schedule. See   section 11 of Pub. 15 (Circular E) for information and rules   about federal tax deposits. I would say that probably for two employees, you need to deposit by the 15th of each month for the prior month, but you really need to check the limits above and the deposit schedule in Pub 15 (as referenced above) based on your actual payroll size. Note that if you have a requirement to deposit, that must be done either through EFTPS or by wire-transfer.  The former is free but requires registration in advance of your first payment (they snail-mail you a PIN that you need to log-in) and it requires that you get your payment in by the night before.  The latter does not incur a charge from the IRS, but your bank will likely charge you a fee.  You can do the wire-transfer on the due date, however, so it's handy if don't get into ETFPS in time. This is all for federal.  You may also need to deposit for your state, and then you'll need to check the state's rules.
I can't speak for other companies, but we certainly hired people without experience in those products (I was one of them).  And I certainly didn't get any experience in any finance/accounting class in undergrad.   There's probably a whole spectrum of things you could do from just youtubing intro videos to get taking a weekend classes and getting certified.  Sounds like from your coding experience you'll have a good leg up.  But sorry I can't be more helpful
"The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistics page, in the ""Treasury & Agency"" section. The volume spreadsheet contains annual and monthly data with bins for varying maturities. These data only go back as far as January 2001 (in most cases). SIFMA also publishes treasury issuances with monthly data for bills, notes, bonds, etc. going back as far as January 1980. Most of this information comes from the Daily Treasury Statements, so that's another source of specific information that you could aggregate yourself. Somewhere I have a parser for the historical data (since the Treasury doesn't provide it directly; it's only available as daily text files). I'll post it if I can find it. It's buried somewhere at home, I think."
The technical skills (excel, matlab, econometrics) others posted are absolutely essential, but I have seen a ton of world class number crunchers who could not put anything in context.  My advice:  - Read any annual report for any company you find somewhat interesting, aim for reading 2 or 3 a week.  This is the best way to learn real world macro economics and get a very strong grasp on financial accounting  - Practice writing about what you learn.
(c) (1) Except as provided in this subsection, an officer or employee of the Government Accountability Office may not disclose information identifying an open bank, an open bank holding company, or a customer of an open or closed bank or bank holding company. The Comptroller General may disclose information related to the affairs of a closed bank or closed bank holding company identifying a customer of the closed bank or closed bank holding company only if the Comptroller General believes the customer had a controlling influence in the management of the closed bank or closed bank holding company or was related to or affiliated with a person or group having a controlling influence. (2) An officer or employee of the Office may discuss a customer, bank, or bank holding company with an official of an agency and may report an apparent criminal violation to an appropriate law enforcement authority of the United States Government or a State. (3) Except as provided under paragraph (4), an officer or employee of the Government Accountability Office may not disclose to any person outside the Government Accountability Office information obtained in audits or examinations conducted under subsection (e) and maintained as confidential by the Board or the Federal reserve banks. (4) This subsection shall not— (A) authorize an officer or employee of an agency to withhold information from any committee or subcommittee of jurisdiction of Congress, or any member of such committee or subcommittee; or (B) limit any disclosure by the Government Accountability Office to any committee or subcommittee of jurisdiction of Congress, or any member of such committee or subcommittee. ... http://www.law.cornell.edu/uscode/text/31/714 The people here who are under an illusion the federal reserve has any sort of meaningful audit, and that it is coincidental that the last audit outside of this limited scope resulted in the information related to trillions of secret loans is very deluded or brainwashed. Open your fucking eyes, world! The federal reserve bank exists to rob you of the country your fathers conquered!
I asked about this in the last thread, but got no answers because it was 4-5 days old at the time.   I'm a finance student, and currently an intern at a big Financial Services firm. The internship is in compliance, though, and that's not exactly where I want to end up later. I don't know exactly what I want to do, but I assume there are some skills that are widely applicable in the entire industry that aren't taught enough, and I want to learn something over the summer (through Coursera/books/videos/whatever). The problem is, I don't know what. Does anyone here have any suggestions? I was thinking something along the lines of programming or some more advanced excel stuff that isn't taught in school, but I don't really have any place to start. Any advise would be appreciated.
Good Afternoon all,  My first time posting in this community as I am in need of some advice or insight into Bank Of America Merrill Lynch.  For my interview I have to prepare a 10 minute presentation with a further 10 minutes of questions afterwards. The presentation should consist of 3 points; 1) What do you see as BOAML’s strengths and weaknesses over its competitors 2) Why do you want to work at BOAML and why have you chosen to apply for this particular division? (The role I am applying for is a Systems Operations Analyst role)  3) What are going to be the key challenges of joining BOAML? (I have never worked in the industry before-previous experience in catering and retail).  Mostly looking for advice on point one as I am finding research somewhat difficult to come buy in terms of products and services (mainly just different statistics at the moment)  Any advice would be greatly appreciated!
Couldn't you sneak by those questions with an undergrad in finance? I heard Level 1 is a lot of stuff you learn in undergrad (except ethics, I heard that section usually nabs people). I'm glad you grill those people though. I have a friend/former classmate who signed up for the test mainly just so he could put that he was a candidate on his resume and get a good job. He ended up scoring a pretty decent job too, not sure how much of it was owed to the CFA candidacy.   Trying to take the CFA this December to help with attaining a job after the spring semester if I can get a CFA scholarship.
"Brokers need to assess your level of competency to ensure that they don't allow you to ""bite off more than you can chew"" and find yourself in a bad situation. Some brokers ask you to rate your skills, others ask you how long you've been trading, it always varies based on broker. I use IB and they gave me a questionairre about a wide range of instruments, my skill level, time spent trading, trades per year, etc.  Many brokers will use your self-reported experience to choose what types of instruments you can trade. Some will only allow you to start with stocks and restrict access to forex, options, futures, etc. until you ask for readiness and, for some brokers, even pass a test of knowledge. Options are very commonly restricted so that you can only go long on an option when you own the underlying stock when you are a ""newbie"" and scale out from there. Many brokers adopt a four-tiered approach for options where only the most skilled traders can write naked options, as seen here. It's important to note that all of this information is self-reported and you are not legally bound to answer honestly in any way. If, for example, you are well aware of the risks of writing naked options and want to try it despite never trading one before, there is nothing stopping you from saying you've traded options for 10 years and be given the privilege by your broker. Of course, they're just looking out for your best interest, but you are by no means forced into the scheme if you do not wish to be."
Y'all have your language switched around here. An unqualified audit opinion is the best, meaning the auditor believes the financial statements are free from material misstatement. Illuminate is correct though, that firms can be reluctant to issue qualified or worse opinions. Issuing such an opinion can lead to bad client relations and, worst of all, a lost client. However, if it comes down to the line, a firm will more likely drop a client instead of issuing a qualified or worse opinion, as those open up the doors to litigation.
I’m preparing for an interview with Vanguard &amp; What I was told to do was to practice answering behavioral questions in the STAR format. Made a word doc answering popular questions in that format. Also just know as much as possible about the company. Reading their market and economic outlook and asking a question based on that could be good too.
Exec Insiders have to file with the SEC and some sites like secform4.com track it. But many insiders have selling programs where the sell the same amount every month or quarter so you would have to do your homework to determine if there are real signals in the activity.
I am a junior analyst at a fund of funds. I spend most of my time working on streamlining our process by helping one of the senior analysts create new models to replace our spreadsheets. I work during the summer since I am a student. The rest of my time in the office I simply research managers that we are looking into for the PM's and senior analysts. You definitely want good excel skills as an analyst. Coding is also a good skill to have depending on what sort of role you play.
&gt;(D) Whether the acquisition of control of shares of a company engaged in an activity described in section 4(j)(1)(A) of the Bank Holding Company Act of 1956 could possibly pose a “risk to the stability of the United States banking or financial system”, under section 4(j)(2)(A) of the Bank Holding Company Act of 1956, so long as the banking organization, after acquiring control of such company, would maintain a quarterly leverage ratio of at least 10 percent. &gt;(E) Whether a merger would pose a “risk to the stability of the United States banking or financial system”, under section 18(c)(5) of the Federal Deposit Insurance Act, so long as the banking organization, after such proposed merger, would maintain a quarterly leverage ratio of at least 10 percent. &gt;(F) Any risk the qualifying banking organization may pose to “the stability of the financial system of the United States”, under section 10(b)(4) of the Home Owners' Loan Act. &gt;(4) Subsections (i)(8) and (k)(6)(B)(ii) of section 4 and section 14 of the Bank Holding Company Act of 1956. &gt;(5) Section 18(c)(13) of the Federal Deposit Insurance Act. &gt;(6) Section 163 of the Financial Stability Act of 2010. &gt;(7) Section 10(e)(2)(E) of the Home Owners’ Loan Act. &gt;(8) Any Federal law, rule, or regulation implementing standards of the type provided for in subsections (b), (c), (d), (e), (g), (h), (i), and (j) of section 165 of the Financial Stability Act of 2010. &gt;(9) Any Federal law, rule, or regulation providing limitations on mergers, consolidations, or acquisitions of assets or control, to the extent such limitations relate to capital or liquidity standards or concentrations of deposits or assets, so long as the banking organization, after such proposed merger, consolidation, or acquisition, would maintain a quarterly leverage ratio of at least 10 percent. yeah, what could go wrong?
I have a basic template for creating a balance sheet, cashflow statement and P&amp;L.   From here you can put in your assumptions, and expenses, then plug in your forecasted revenue (which you need to create on a separate spreadsheet. Would something like this help?
No way. The CFA is comprehensive, but finance as subject matter isn't very difficult. I am an econ/econometric major in the CFA program with zero finance/accounting background. I started the program without know assets = liabilities + equity. Takes more time, and is a larger commitment, but unless you are working 12 hours a day, if you are diligent, you should have no major issues.
I appreciate it. I didn't operate under selling the asset year five but other than that I followed this example. I appreciate the help. These assignments are just poorly laid out. Financial management also plays on different calculation interactions  so it is difficult for me to easily identify the intent at times. Thanks again.
it depends on what kind of IT you did, and where you took your econ courses afterward.  did you do any coding?  do any business cases studies?  Can you calculate the book value of a firm from its balance sheet and assess the net present value of its cash flow?  What happens to the value of a $1000  10 year bond at 4% when the current market rate drops to 3% 6 months after it was purchased?  Do you know what kind of corporate valuation doesn't appear in a financial statement?  If you can answer 1/2 of these questions, you will probably do just fine, but you will need to find someone to hire you and you will have to advance or find a new job every so often when you get bored again.  another idea is to get an MBA in finance where you are, then jump into the finance arena.
No, it would not show up on the income statement as it isn't income. It would show up in the cash flow statement as a result of financing activities.
Two weeks of maybe 2-4 hours a day. Tried to read the book and got through like 2 chapters.  Primarily took 100 question practice exams, read the questions I got wrong, then took another exam. Passed with an 86 and it only took like 2 hrs to get through.   Probably matters quite a bit if you have a finance background though. No idea what it would be like without one.   Edit: used the Knopman Marks books (which use Q bank for exam questions).  Edit 2: Sorry, that was the series 79. And I only got an 82.
I can't find specific information for Form 1099-DIV for this tax year.  However, I found this quote for next tax season that talks about Form 1099-B: Due date for certain statements sent to recipients.   The due date for furnishing statements to recipients for   Forms 1099-B, 1099-S, and 1099-MISC (if amounts are   reported in box 8 or 14) is February 15, 2018. [emphasis added] I know many brokerages bundle the 1099-DIV with the 1099-B, so one might assume that the deadlines are the same.  February 15 seems consistent with the messages I got from my brokerages that said the forms will be mailed by mid-February.