vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Also remember, even if FOO never changes its average value and volatility, your recoverable profits shrink with each transaction because you pay $5 in fees for every one. Speaking from experience, it is very easy to paper trade. It is a lot harder when you're looking at the ticker all day when FOO has been $0.80 - $0.90 for the past four days (and you're $300 under water on a $1000 portfolio). Now your mind starts playing nasty games with you. If you decide to try this, let me give you some free advice: Unless you have some research (such as support / resistance information) or data on why FOO is a good buy at this price, let's be honest: you're gambling with DCA, not trading. END NOTES:
Is wash rule applicable for this? No - because you made a gain on the sale.  You paid $13,500 for the stock and sold it for $14,250.   The wash rule prevents you from claiming a loss if you buy the same stock again within 30 days.  You have no loss to claim, so the rule does not apply.
"From Pub 550: More or less stock bought than sold.   If the number of shares of   substantially identical stock or securities you buy within 30 days   before or after the sale is either more or less than the number of   shares you sold, you must determine the particular shares to which the   wash sale rules apply. You do this by matching the shares bought with   an equal number of the shares sold. Match the shares bought in the   same order that you bought them, beginning with the first shares   bought. The shares or securities so matched are subject to the wash   sale rules. You must match ""beginning with the first shares bought."" If only activity 1 & 4 happened, you'd have bought and sold stock with no wash sale. If you remove activity 1 & 4 from consideration because they are a ""normal"" or non-wash sale transaction, then the Activity 2 or Activity 3 trigger a wash sale. The shares in lot 1 are sold for disallowed loss, so the disallowed basis would be added to shares in lot 2 because lot 2 was purchased before lot 3. (hat tip to user662852 who had much better wording) Second example: Activity 5, 7, and 8 all together would not be a wash sale.   The addition of activity 6 creates a wash sale. The shares in Activity 5 are sold for a disallowed loss in Activity 7 & 8 because of the wash sale triggering purchase in Activity 6.   Activity 6 is where you add the disallowed basis because they are the ""first shares bought"" that cause the wash sale rule to be triggered."
I wrote a detailed answer about variable annuities on another question, but I want to include one specific situation where a variable annuity may be the right course of action. (For the sake of simplicity, I'm quoting directly from that answer): Three-quarters of US states protect variable annuity assets from creditors. Regular IRA's don't benefit from protection under the Employee Retirement Income Security Act (ERISA) and may therefore be more vulnerable to creditors. If you're a potential target for lawsuits, e.g. a doctor worried about medical malpractice suits, variable annuities may be an option for you. As always, you should consult a legal/tax professional to see if this might be a good option for you to consider. The SEC also has a fantastic publication on variable annuities that provides a great deal of information. It's not directly related to this question because it doesn't necessarily focus on the circumstances in which they might be a good fit for you, but it's educational nevertheless and should give you more than enough information to properly evaluate any policy you're looking to buy.
yeah - the point is why should any foreign investor trust you with their money?  just because Bangladesh might have a hot housing market, doesn't make you a reliable or trustworthy partner.  Maybe if you were an established and reputable real estate investor this post might get traction.
Look at a mixture of low-fee index funds, low-fee bond funds, and CDs. The exact allocation has to be tailored to your appetite for risk. If you only want to park the money with essentially no risk of loss then you need FDIC insured products like CDs or a money market account (as opposed to a money market fund which is not FDIC insured). However as others have said, interest rates are awful now.  Since you are in your early 30's, and expect to keep this investment for 10+ years, you can probably tolerate a bit of risk. Also considering speaking to a tax professional to determine the specific tax benefits/drawbacks of one investment strategy (funds and CDs) versus another (e.g. real estate).
If you buy for $1 and sell $1 when the price goes to $2, you would have sold only half of your initial investment. So your investment would now be worth $2 and you sell $1 leaving $1 still in the market.  This means you would have sold half your initial investment, making a profit of $0.50 on this half of your initial investment, and having to pay CGT on this amount.
Conventional wisdom says (100-age) percentage of your saving should go to Equity and (age) percentage should go to debt. My advice to you is to invest (100-age) into index fund through SIP and rest in FD. You can re-balance your investment once a year. Stock picking is very risky. And so is market timing.  Of cource you can change the 100 into a other number according to your risk tolerance.
As an international student, the tuition is sky high. Typically, most students take loans for Education and start paying it back once they get a job. If you have exhausted your OPT period and have not got H1B, your options are either to go for further education(Hint: Phd), you can hope to cover living expense by part-time on campus job. This will give you additional time to look for a job and try for H1B again!
FDIC insurance only protects certain funds, and is not meant to protect against losses in the market, or to guarantee every investment you might make. Generally, the only accounts that will be FDIC insured are savings, checking, money market and CDs.
Yeah. The student run investment fund at my school valued Tesla and they're significantly overvalued. Their capital structure is way too much debt and given the capital intensity requirements of the industry, they're gonna be cash flow negative for a while.  They made 45% in three months bc of the capital gains but knew that shit wasnt stable lmao
"Relax im not picking on you, I just think its hilarious that people actually think saying ""my college's student investment fund valued this stock"" holds any legitimacy. Also, if i was back office I wouldnt be an IB analyst would I? So your dig at me doesnt make any sense."
"Best way to invest around 50k Indian rupees and save Tax There is nothing ""Best"". There are multiple options that are available under 80C and you need to select one that suites you best. There are market linked options like ELSS, or assured returns like 6 years FD, or PPF or Term Insurance or other such options."
The news is sort of out there, Its just very local but will affect neighbouring countries and prices if the winter hits hard. Im just thinking that because I only see it being picked up by local news (in the local language) that maybe not all investors on the energy market are aware yet.   There are so many more obvious news that affects the european market that investors would trade on currently (ukraine etc..) that I dont think they are following local news in a foreign language
I would say you should invest in the market that is more convenient for you, bearing in mind that if you buy ADRs you may have some things to keep an eye on depending on certain events as mentioned by duffbeer703. So, if you are investing with an account in the U.S., go with the ADRs as that will avoid some currency conversion hassles and possible exchange rate issues.  I am not certain, but I have a feeling that would also make it easier for you to keep the taxman happy.
"Seems like you could shoehorn this into an investment account. You make purchases similar to what you would make in a money market account ($1 per share) via your premium payments. You see appreciation in those shares. You incur expenses on your ""purchases"" via cost of insurance and possibly monthly payment fees."
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I believe that it's largely irrational, fueled largely by foreign investors that are afraid to invest anywhere else. There are a few people out there right now who are writing about this: http://www.marketwatch.com/story/us-treasuries-largest-bubble-in-world-history-says-nia-2011-08-30 http://articles.businessinsider.com/2010-08-25/markets/30080511_1_fed-first-yields-mbs As to why would you invest in long-dated versus short? Probably to chase yield. The 30 year yields 30x more than the 1 year. It's also easier to buy on the long end if you believe that the economy will remain slow for another decade or two and therefore the central banks will keep rates low for a very long time. Of course, at the moment, long-dated treasury prices are artificially high because of operation twist.
"It would be nice if Microsoft would invest in the freaking local infrastructure that supports all these workers.  Currently our local elementary school is overrun by the kids of H1-B workers.  I don't particularly care that they are H1-B's or anyone else's kids, but the school has 800 kids and was built to support 450.  Because there is nice and reasonably affordable new housing (under $600k) with a ""gold ribbon"" school, the H1-B immigrants are flocking to the neighborhood, so all other schools are at or below capacity and ours is overflowing.  The main problem is that since all of the other schools are ""OK"" and all of the H1-B's in our neighborhood can't vote, a levy can't be passed in order to build any new schools.  So we're fucked."
I will split my answer in a few sections... Note: I will not address the legal aspect of the question. If you can or not use Federal money to invest. 1st - Investments with Student Loan 2nd - IRA as the Instrument I hope this helps!
Monetizing mobile is just the one thing your regular investor can think of.  FB can create their own customer web browser.  FB-phone.  They're moving into Skype's market with video conferencing and chat.  Their data mining alone is worth a fortune.  They know everything about you plus every site you visit.  In-line newsfeed adverts.  **Now I agree with everything you say**, but their earning potential is huge if they're creative.  For some reason, people think that throwing ads on their mobile is going to be their next big cash cow, when I think it'll be minimal.  The biggest thing to FB's potential success is not driving the user base away.  I'd go long at $22 pretty comfortably.
At that rate, European schools will soon be overrun by American students. Here in Germany, foreign students pay the same fees as anyone else, which amount to anything between 100 € and 1500 € ($125 - $2000) annually at public universities, and there are already quite a few US students. Combine this low cost with a high availability of English-language courses and a fairly good employment situation (unemployment is currently at about 7% as measured by German measuring standards, which amounts to about 5% as measured in the US, and native English speakers are still rare enough that just about anyone can earn good money as a private English tutor), and coming here looks more attractive by the minute.
Yes, yes - that's my point. The common investors never did invest (or even get to invest) so they didn't lose money as the article claims. It's the idiot institutional funds that got screwed.   Common investors - most of them - knew FB was overvalued.
Money market funds have usually no limits on redemptions or fees. They're frequently used as an alternative to savings accounts. While technically loss is possible, the investments in these funds are done in short term high grade bonds (read the prospectus). I've never encountered money market underperforming a regular savings account.
It will definitely be added to your AGI, but not necessarily bump your ordinary income tax bracket. You will have to use the Capital Gains Computation worksheet (that uses the general Tax Computation Worksheet) to figure out your tax liability. You might also be subject to the AMT. See the instructions to form 1040, line 44 (page 38) and line 45.
There is a shortcut you can use when calculating federal estimated taxes.  Some states may allow the same type of estimation, but I know at least one (my own--Illinois) that does not. The shortcut: you can completely base your estimated taxes for this year on last year's tax return and avoid any underpayment penalty.  A quick summary can be found here (emphasis mine): If your prior year Adjusted Gross Income was $150,000 or less, then   you can avoid a penalty if you pay either 90 percent of this year's   income tax liability or 100 percent of your income tax liability from   last year (dividing what you paid last year into four quarterly   payments). This rule helps if you have a big spike in income one year,   say, because you sell an investment for a huge gain or win the   lottery. If wage withholding for the year equals the amount of tax you   owed in the previous year, then you wouldn't need to pay estimated   taxes, no matter how much extra tax you owe on your windfall. Note that this does not mean you will not owe money when you file your return next April; this shortcut ensures that you pay at least the minimum allowed to avoid penalty. You can see this for yourself by filling out the worksheet on form 1040ES.  Line 14a is what your expected tax this year will be, based on your estimated income.  Line 14b is your total tax from last year, possibly with some other modifications.  Line 14c then asks you to take the lesser of the two numbers.  So even if your expected tax this year is one million dollars, you can still base your estimated payments on last year's tax.
"Yes, you can. See the instructions for line 29 of form 1040. Self employed health insurance premiums are an ""above the line"" deduction."
For partners, a policy can be either in the name of the partnership or in the name of the partner. You can either pay the premiums yourself or your partnership can pay them and report the premium amounts on Schedule K-1 (Form 1065) as guaranteed payments to be included in your gross income. However, if the policy is in your name and you pay the premiums yourself, the partnership must reimburse you and report the premium amounts on Schedule K-1 (Form 1065) as guaranteed payments to be included in your gross income. Otherwise, the insurance plan will not be considered to be established under your business. For more-than-2% shareholders, a policy can be either in the name of the S corporation or in the name of the shareholder. You can either pay the premiums yourself or your S corporation can pay them and report the premium amounts on Form W-2 as wages to be included in your gross income. However, if the policy is in your name and you pay the premiums yourself, the S corporation must reimburse you and report the premium amounts on Form W-2 as wages to be included in your gross income. Otherwise, the insurance plan will not be considered to be established under your business. Medicare premiums you voluntarily pay to obtain insurance in your name that is similar to qualifying private health insurance can be used to figure the deduction. If you previously filed returns without using Medicare premiums to figure the deduction, you can file timely amended returns to refigure the deduction. For more information, see Form 1040X, Amended U.S. Individual Income Tax Return. Amounts paid for health insurance coverage from retirement plan distributions that were nontaxable because you are a retired public safety officer cannot be used to figure the deduction. Take the deduction on Form 1040, line 29.
"There are a couple of things that are missing from your estimate. In addition to your standard deduction, you also have a personal exemption of $4050.  So ""D"" in your calculation should be $6300 + $4050 = $10,350. As a self-employed individual, you need to pay both the employee and employer side of the Social Security and Medicare taxes.  Instead of 6.2% + 1.45%, you need to pay (6.2% + 1.45%) * 2 = 15.3% self-employment tax. In addition, there are some problems with your calculation. Q1i (Quarter 1 estimated income) should be your adjusted annual income divided by 4, not 3 (A/4). Likewise, you should estimate your quarterly tax by estimating your income for the whole year, then dividing by 4.  So Aft (Annual estimated federal tax) should be: Quarterly estimated federal tax would be: Qft = Aft / 4 Annual estimated self-employment tax is: Ase = 15.3% * A with the quarterly self-employment tax being one-fourth of that: Qse = Ase / 4 Self employment tax gets added on to your federal income tax.  So when you send in your quarterly payment using Form 1040-ES, you should send in Qft + Qse. The Form 1040-ES instructions (PDF) comes with the ""2016 Estimated Tax Worksheet"" that walks you through these calculations."
"You're a partnership. You should ask the money to be paid to the partnership. You'll have to fill partnership income tax return (form 1065) and each of you will get a K-1 schedule with your own personal portion of the income. For example, you're Adam, Ben and Clara. You work together on a project and are being paid. You get a check for $300 issued to ""Adam, Ben and Clara, DBA ABC Partnership"". You don't have to have a DBA, it just makes it easier to show you as a single entity. You then deposit the check to an account you set up for your partnership, and from that account you transfer $100 to each of you. Year end, you file form 1065, showing $300 income, and attach K-1 for each of the partners showing $100 income. That $100 income will flow to your individual tax returns. The overhead here is setting up a partnership account, potentially making a DBA, and filing the extra tax return. That's the proper way to do it, especially if it is something you're going to do regularly. For a one-time thing, one of you can get paid, report it as income on his/her Schedule C, and issue 1099 to the rest of you for your parts, and deduct the amount as his/her expense. Here, the overhead is Schedule C for each of you (instead of Schedule E if handling it as a partnership), extra 1099 forms (instead of 1065 and K-1s), and a risk of one partner defrauding the others (depends on how much you trust each other). With proper documentation, each of these is equally legal, and tax-wise the costs are the same (i.e.: either way you pay the same taxes). With partnership the overhead is a bit more expensive (DBA+1065 extra cost), but in the long term it will make your life easier if you do this kind of thing regularly. You may want to consider setting up your partnership as a LLC/LLP (depending on what your State allows), but that would require State paperwork and potentially more fees."
COBRA premiums are not deductible on 1040 line 29; to qualify, the IRS says the insurance plan must be in your name (COBRA is in your former employer's name).  H&R Block confirms this.
No, it will show on the LLC tax return (form 1065), in the capital accounts (schedules K-1, L and M-2), attributed to your partner.
Yes, of course. Your business is active since it was established, it just didn't do anything. This is of course re the State taxes, the IRS considers LLC as a disregarded entity and it flows directly to your Schedule C if you're a single member, or your 1065 if you're multiple members. State of Texas never considers LLC as a disregarded (See here questions 13 and 14). You may not pay any taxes, but you have to file.
"It is very helpful to understand that Free File is not actually ""by"" the US Internal Revenue Service (IRS). The IRS does indeed offer access to the program through their website, but Free File is actually a public-private partnership program operated and maintained by the Free File Alliance. Who is the Free File Alliance? Well, according to their members list: 1040NOW Corp., Drake Enterprises, ezTaxReturn.com, FileYourTaxes, Free Tax Returns, H&R Block, Intuit, Jackson Hewitt, Liberty Tax, OnLine Taxes, TaxACT, TaxHawk, and TaxSlayer. Why the income restriction? Well, that's part of the deal the IRS struck - the program is ""dedicated to helping 70 percent of American taxpayers prepare and e-file their federal tax returns"". Technically the member companies are offering their own software to handle tax preparation, and the rule is that 70% of American's must 'qualify' for at least one product, so this adjusted gross income limit changes periodically so that 70% of the population can use it. Why restrict it at all? This was part of the give and take involved in negotiation with the businesses involved. If the program was ""everyone files for free"", then it is presumed that many reputable businesses that make the program valuable would choose not to continue to participate. In other words, they want to be able to not give away their services for free to customers who are - at least by income definition - more than capable of paying them. The IRS has said it does not want to be in the tax prep software business, so they are not offering their own free software to do the job that private companies would otherwise charge for. However, there are other restrictions to being in the program - like the fact that no business in the program can offer ""refund anticipation loans"", offer commercial services more than a certain amount of times (so they can't hound you to upgrade), and so on. Some businesses were making a killing off these, though they are pretty much solely developed to be predatory on people with the lowest incomes (and education levels, and IQ, and with cognitive disabilities, and basically anyone they could sucker into paying what were effectively absurd rates for short term loans along with inflated filing/preparation fees).
I was doing my taxes in the US (called Form 1040) and wanted to find out how to figure out the cost basis for the $3.006 that I received for each Siemens ADR that I hold in July 2013. I found that the cost-basis allocation ratio is as follows: Thus for the original poster the cost-basis is: Hope this helps someone.
is it possible to file that single form aside from the rest of my return? Turbotax will generate all the forms necessary to file your return. I recommend you  access these forms and file them manually. According to the IRS in order to report capital gains and losses you need to fill out Form 8949 and summarize them on Form 1040 D. Add these two forms to the stack that turbotax generates. Add the total capital gains to line 13 of the Form 1040 which turbotax generated, and adjust the totals on the form accordingly.