vania-janet/multiturn-rag-retrieval-data huggingface dataset:
If it goes down, he can exercise the option, and sell at the agreed-upon price to the buyer. If, however, the stock stays about the same, whether he chooses to sell or not, the money the seller paid for the option means he ends up with less than he would have if he hadn't bought the option. Call Options for Kids: Let's say that you see another ad on TV for another toy that you like, that was just released. You check the suggested retail price on the company's web site, and you see that if you save your allowance for the next month, you can buy it. But, in school the next day, everybody's talking about this toy, saying how they want one. Some already have enough money, others are saving up and will be able to get it before you can. You're afraid that because everyone else wants one, it'll drive up the price for them at the local store, so that your month's allowance will no longer buy the toy. So, you go to your dad again. You want to be able to use your allowance money for the next month to buy the new toy. You're willing to wait until you actually have the money saved up before you get the toy, but you need that toy in a month. So, you want your dad to buy one for you, and hold it until you can save up to buy it from him. But, you still want it both ways; if the price goes down in a month because the toy's not so new anymore and people don't want it, you don't want to spend your entire month's allowance buying the one from your dad; you just want to go to the store and buy one at the lower price. You'll pay him $5 for the trouble, right now, whether you buy the toy he got you or not. Your dad doesn't want to have a toy he's not using sitting around for a month, especially if you might not end up buying it from him, so he offers a different deal; In one month, if you still want it, he'll stop by the store on his way home and pick up the toy.
Well on a levered fund it makes a lot of sense.  If you lose 10% on day one and you are 2x levered you just lost 20%.  Now on the next day if it corrects 10% you are still down because you've gone up 20% of a lesser amount then you went down by.  Then even worse with oil or commodity funds they are forced to roll their futures since they don't want to take delivery, which allows them to be picked off by traders.  This is referred to as levered ETF decay.  If you do trade levered funds it should be on an intraday basis, and then you're dealing with serious transaction costs.
Same day shipping?  If that's even possible, that would be pretty FUCKING awesome, but how would that work? Fedex and UPS ship on specific schedules every day. They would have to set up their own distribution service to ship out to specific spots.  If I can get same-day shipping, I would definitely choose that over next-day or two-day shipping. Hopefully it costs somewhere around 6.99 per item w/ a Prime membership.
Consider trying a broker that offers free trading. Robinhood is one such broker.
"Depends on your account. If you have a margin account, then you can ""withdraw"" the margin, and it will get paid off/settled on T+3. However if it's a cash account then you will most likely need to wait. Call your broker and ask, each broker has different rules."
"An option is an instrument that gives you the ""right"" (but not the obligation) to do something (if you are long). An American option gives you more ""rights"" (to exercise on more days) than a European option. The more ""rights,"" the greater the (theoretical) value of the option, all other things being equal, of course. That's just how options work.  You could point to an ex post result, and and say that's not the case. But it is true ex ante."
Let's say a stock trades at $100 right now, and you can buy a $100 call option. When you buy the call option (and the money you paid is gone), one of two things can happen: The share price goes up, or the share price goes down.  If the share price goes up, you profit. If the share price goes down, you don't lose! Because once the shares are below $100, you don't exercise the call option, and you don't lose any money.  So if you have a share that is rock solid at $100, you don't make money. If you have a share where the company owner took some ridiculous risk, and the shares could go to $200 or the company could go bankrupt, then you have a 50% chance to make $100 and a 50% chance to not lose anything. That's much more preferable.
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Has anyone ever worked on a financial services sales desk i.e mutual fund, annuities etc? If so would you be able to give me like a day in life. I'm trying to get into wholesaling and i know sales desk is kind of where you start off.
"I have been considering a similar situation for a while now, and the advice i have been given is to use a concept called ""dollar cost averaging"", which basically amounts to investing say 10% a month over 10 months, resulting in your investment getting the average price over that period. So basically, option 3."
The right day care is also simply more advantageous from an educational standpoint, as children spend their time not just being cared for until their parents return but go also through custom learning activities that aid their ability to learn.
You can engage in a pair trade that involves analyzing how closely percentage wise these stocks trade tick for tick. You can bet on the ratio expanding or contracting. only slightly more information here, but maybe explained more intuitively: http://www.investopedia.com/terms/p/pairstrade.asp and here is an example: http://www.investopedia.com/university/guide-pairs-trading/pairs-trade-example.asp
the strategy is tested all the way to 97. how is the continuous series backadjusted? the emini is rolledover and Ratio back adjusted to the 2nd nearest contract, 9 days prior to expiration. since it is an intraday trade, the discrepancy to the real thing should be next to irrelevant. but comparing it to the spx could make it interesting.  what would be a good format to present the results ? jpeg? pdf ?
Basically isn't this like if they loaned a bank 400b with 401b due tomorrow, and then the bank took the same loan the next day? Gross exaggeration I know, but I just want to make sure that is the way this works.
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There are a few things to consider. The answers others gave here are correct, but I'll offer some reasons you may not want to roll to an IRA:
There are two methods of doing this Pulling out the money and paying the penalty if any, and going on your way. Having the Roth IRA own the business, and being an employee. If you go with the second choice, you should read more about it on this question.
Another, completely different way to look at your huge mistake: It's not a huge mistake. You're getting your money out of a restricted account.  You're paying taxes now (plus an extra tax of 10%) to regain some of your privacy of where you're putting your money. You're paying up now as a trade-off to paying much later, when the rules can be completely different and the tax rates much higher. You're deciding not to put the money into another restricted account, which has yearly reporting requirements to the IRS above and beyond those required with taxable earnings. It's a cost-benefit analysis whether you roll your money over to an IRA account or not.  You hear about the benefits a lot more often than you hear about the costs, which it what I'm introducing you to with my answer.
If you are absolutely sure you will need the money in the next year or so I wouldn't do it just because of the hassle.  If you think you might not need to use the money then I would go ahead and fund a Roth IRA for the simple reason that you can get your contributions (NOT earnings on those contributions.) back without paying any penalties if you do end up needing them.  A good summary of the rationale can be found at My Money Blog's Roth IRA Contribution vs. Emergency Fund Savings
Make sure your spouse qualifies as a first-time homebuyer as well, if   you are married and buying the property together. Each of you may take   $10,000 from your traditional IRAs. Source: Link in your question - http://www.wikihow.com/Buy-a-Home-With-IRA-Money
You may withdraw your contributions to a Roth IRA at any time for any reason without penalty.   Any gains you withdraw may be subject to tax or penalties though, but there is a $10,000 exclusion (from the 10% penalty, not the taxes) for a first time home purchase.
I don't know about keeping different rollover IRAs separate. But I know that there is a reason to keep rollover IRAs separate from other traditional IRAs -- if you want to roll them back into a 401(k) in the future, some 401(k)s only allow funds that were rolled over from a 401(k) originally.
One thing to keep in mind is that with Roth accounts, there are different withdrawal considerations based on your contributions. For example, you can withdraw Roth IRA contributions whenever you want in the future.  However this really has nothing to do with your cost basis and purely to do with the contribution amount vs balance.
Oh really. I will have to check into that. It would be a bummer if that is the case. Something I will need to look into. If you don't need margin and are not trading the underlying asset (which I could see being a problem), then I don't see what the problem is. But I shall see. Thanks.
"The Tax Court ruling Todd mentioned was that you can only do one roll-over in a 12-months period. I.e.: if you have already done a roll over (even if it is between different accounts) - you cannot do it again between any of your IRA accounts for 12 months. So for the ""60-days loan"" trick to work you must ensure that: You haven't done a roll-over within the last 12 months; and You're not going to do a roll-over within the next 12 months. Note, that the Tax Court took into the consideration that the IRS pub. 590 was explicitly saying that you can do multiple roll-overs as long as different accounts are involved. The Court ruled, that the IRS instructions are NOT a legal authority. I.e.: the IRS can write in the instructions whatever they want, but if it contradicts the law (as it did in this case) - the law always prevails. This is only for indirect rollovers (where you actually get the money and then re-deposit it within 60 days), trustee to trustee rollovers are not limited. This limitation is codified in 26 U.S. Code § 408(d)3(B)."
The rules are quite different.  There is no special home purchase penalty-free withdrawal.  In the case that your account has been open for five years, you can withdraw the principal (but not the earnings) without penalty.  You may want to talk to a professional for further details. The real question is: why do you want to borrow against your future to finance your present?  Your down payment funds should come from another source than your retirement.  Retirement funds should only be touched in the direst financial straights.
"It's simple. At 100% match, it would take a ""long"" time for bad fees to negate the benefit. Longer than the average person stays with one company.  Even though $50/10 shares is crazy, if you wait till you have $500, it's 10%. Still crazy, but you are still getting 90% of the match. I'd avoid this, however, and just go with the closest thing they have to an S&P fund. Invest outside this account to save the right amount to fund your retirement. 2% total isn't enough, obviously."
Only within 60 days of the withdrawal.
For conversions you do not to be 59-1/2 to avoid penalty. The 5-yr rule thus creates an early withdrawal option if planned well in advance.  See the flow chart in http://www.irs.gov/publications/p590/ch02.html#en_US_2012_publink1000231030 For where I sourced the answer.  Note : I edited to correct my answer. User102008 called me out on my mistake, and rightly so. The dialog is in the comments, where he points out the mistake. Good job, new User.
Going the same route. Signing up with a prop shop with a 5k deposit, levered 20x, 100% commission, .003 (I think) fee per share. Studying for my S7 now. Basically, I'm using this as a proving ground and look to leverage this position for a more prestigious one at a prop shop that salaries/provides capital
Lets do the math (assuming a lot of stuff, like your interest rates and that you make the contribution at the beginning of the year, also your tax bracket at the withdrawal time frame.) 1.) Beginning of year 1 Roth Option $5k contribution Non Roth Option $5k contribution 2.) Beginning of year 2 Roth Option $5000 + $150 interest + 5K contribution = $10150 Non Roth Option $5000 + $75 interest + 5K contribution = $10075 3.) End of year 2 Buy a house! yay! Roth Option---before withdrawal account value = 10150+10150*.03=10454.5 after withdrawl (assuming 38% tax on earnings withdrawal (10%penalty + 28% income tax estimate.) = 10327.17 Non Roth Option = 10 226.125 So you are talking about a significant amount of paperwork to either 1.) Net yourself $100 toward the purchase 2.) Cost yourself $226 on the purchase but have $454.50 in your roth ira. I am not sure I would do that, but it might be worth it.
+---------ISA-------+ <---- £13k --------- | +-------------------+ No capital gains liability, you don't even have to put this on your tax return (if applicable) - your £10k became £13k inside an ISA envelope, so HMRC don't care. Note however that for the rest of that tax year, the most you can insert into an ISA would now be £5k: +---------ISA-------+ ----- £5k ---------> | +-------------------+ even though the ISA is empty. This is because the limit is to the total inserted during the year.
Sounds like you're doing fine, though somewhat fuzzy: how are you allocating the $500/month? Are you doing dollar cost averaging into funds, accumulating enough $$ to buy round lots of individual stocks, market timing, etc. The summary suggestion: max out the ROTH first, then with $$$ left over, do the after tax, low-cost fund,  monthly dollar cost averaging approach.
"Yes. I describe the Roth flavor as ""denser."" For those with more money they wish to save this factor should be added to the mix. Of course you can save $16500 + 5000 (in an IRA) for $21500 total pretax if you wish (and are within the limits.)"
Even Gold lost 1/2 of it's value between 1980 and 2000.   You would not have fared well if you retired during that period heavily invested in Gold. http://www.usagold.com/reference/prices/history.html You said yourself that one can not foresee what the future will bring. At least IRA's force you to into dollar cost averaging, whereas if your money was outside of a retirement account, you might be tempted to speculate. -Ralph Winters
I'm no expert in this, so this is a legit question.  Are 401Ks and pension plans considered HFT or buy &amp; hold?  If HFT, would exception rates be beneficial?  Or would we want to encourage those groups to reduce frequency as well?
This happens inside the envelope; HMRC don't care: +---------ISA-------+ | £12k of ABC | +-------------------+ Sell fund. This happens inside the envelope; HMRC don't care: +---------ISA-------+ | £12k of cash | +-------------------+ Buy another fund. This happens inside the envelope; HMRC don't care: +---------ISA-----------------+ | £10k of JKL & £2k of cash | +-----------------------------+ Fund appreciates. This happens inside the envelope; HMRC don't care: +---------ISA-----------------+ | £11k of JKL & £2k of cash | +-----------------------------+ Sell fund. This happens inside the envelope; HMRC don't care: +---------ISA-------+ | £13k of cash | +-------------------+ Withdraw funds. This is an extraction from the envelope; HMRC don't care. +---------ISA-------+ <---- £13k --------- | +-------------------+ No capital gains liability, you don't even have to put this on your tax return (if applicable) - your £10k became £13k inside an ISA envelope, so HMRC don't care.
An ISA is a much simpler thing than I suspect you think it is. It is a wrapper or envelope, and the point of it is that HMRC does not care what happens inside the envelope, or even about extractions of funds from the envelope; they only care about insertions of funds into the envelope. It is these insertions that are limited to £15k in a tax year; what happens to the funds once they're inside the envelope is your own business. Some diagrams: Initial investment of £10k. This is an insertion into the envelope and so counts against your £15k/tax year limit. +---------ISA-------+ ----- £10k ---------> | +-------------------+ So now you have this: +---------ISA-------+ | £10k of cash | +-------------------+ Buy fund: +---------ISA-------+ | £10k of ABC | +-------------------+ Fund appreciates. This happens inside the envelope; HMRC don't care: +---------ISA-------+ | £12k of ABC | +-------------------+ Sell fund. This happens inside the envelope; HMRC don't care: +---------ISA-------+ | £12k of cash | +-------------------+ Buy another fund.
"After more searching for how the US might treat such an attempt to ""rollover"" the funds, I found this:   https://www.irs.gov/pub/irs-utl/am2008009.pdf So, it seems it is impossible to do without US tax consequences."
oh wow, nice to hear about your friend. and I guess I didn't make myself clear. What I meant was as I'm an international student, USA will allow me to work here for one year after I get my degree and then they'll send me back to my country. Anyway, I'll definitely take your advice into consideration.
&gt;Canada has universities that are hugely benefitting. Students don’t want to go to a country where they think they will be unwelcome. Smart people from India and China look at Trump and they make the decision that serves their interests the best.  Chinese people love Trump... they're also completely obsessed with American universities...
"&gt;Canada has universities that are hugely benefitting. Students don’t want to go to a country where they think they will be unwelcome. Smart people from India and China look at Trump and they make the decision that serves their interests the best.  No data. Have you been to China? Do you speak Chinese?  ""I’d shut the fuck up about things I don’t understand"""
Yes it is legal, in fact according to statistics.gov.uk, foreign investors are the largest holders of UK shares (as of 2008). Investors from outside the UK owned 41.5 per cent of shares listed on the London Stock Exchange at the end of 2008, up from 40.0 per cent at end of 2006, according to the latest Office for National Statistics report on share ownership.
"This is the best tl;dr I could make, [original](https://www.cnbc.com/2017/10/17/slash-your-student-debt-by-earning-your-degree-abroad.html) reduced by 39%. (I'm a bot) ***** &gt; Annual earnings in Ireland are about the same as in the U.S. - $55,000 - but schools are tuition-free.  &gt; &amp;quot;We walk around thinking that America is the best place to earn an education, but when you take a look at the facts, you start to see that earning a degree abroad is actually a smarter move to make,&amp;quot; said Rick Neil, CEO of RN Public Relations and a spokesperson for studentloanreport.org.  &gt; In the United Kingdom, for example, students pay tuition that&amp;#039;s on par with the U.S. Even so, Britain is by far the most popular destination for American students seeking to get their degree abroad. Of those attending school outside the U.S., 36 percent of them are in the U.K..   ***** [**Extended Summary**](http://np.reddit.com/r/autotldr/comments/777wzh/slash_your_student_debt_by_earning_your_degree/) | [FAQ](http://np.reddit.com/r/autotldr/comments/31b9fm/faq_autotldr_bot/ ""Version 1.65, ~230713 tl;drs so far."") | [Feedback](http://np.reddit.com/message/compose?to=%23autotldr ""PM's and comments are monitored, constructive feedback is welcome."") | *Top* *keywords*: **U.S.**^#1 **earn**^#2 **degree**^#3 **tuition**^#4 **American**^#5"
"Perhaps buying some internationally exchanged stock of China real-estate companies? It's never too late to enter a bubble or profit from a bubble after it bursts. As a native Chinese, my observations suggest that the bubble may exist in a few of the most populated cities of China such as Beijing, Shanghai and Shenzhen, the price doesn't seem to be much higher than expected in cities further within the mainland, such as Xi'an and Chengdu. I myself is living in Xi'an. I did a post about the urban housing cost of Xi'an at the end of last year: http://www.xianhotels.info/urban-housing-cost-of-xian-china~15 It may give you a rough idea of the pricing level. The average of 5,500 CNY per square meter (condo) hasn't fluctuated much since the posting of the entry. But you need to pay about 1,000 to 3,000 higher to get something desirable. For location, just search ""Xi'an, China"" in Google Maps. =========== I actually have no idea how you, a foreigner can safely and easily profit from this. I'll just share what I know. It's really hard to financially enter China. To prevent oversea speculative funds from freely entering and leaving China, the Admin of Forex (safe.gov.cn) has laid down a range of rigid policies regarding currency exchange. By law, any native individual, such as me, is imposed of a maximum of $50,000 that can be converted from USD to CNY or the other way around per year AND a maximum of $10,000 per day. Larger chunks of exchange must get the written consent of the Admin of Forex or it will simply not be cleared by any of the banks in China, even HSBC that's not owned by China. However, you can circumvent this limit by using the social ID of your immediate relatives when submitting exchange requests. It takes extra time and effort but viable. However, things may change drastically should China be in a forex crisis or simply war.
Cultural aspects aside, there are a lot of American universities throughout Europe. Reinsertion into the US market would be my #1 concern but besides that it beats the tons of debt you get in the US while being able to expand your horizons. I just find it very weird more people don't at least consider it and rather make the mistake of paying 60k a year. Or at least go to community College...
We have a lot more immigrants that come here for an education.  Something like 70% of grad students in stem fields are foreign born.  Those people are being turned off by Trump.  That’s the problem.    H1Bs aren’t the people who Trump is turning off.  That’s not the problem.  The problem is these other people who come here because they’re brilliant and the us has opportunities for them.  Trump is turning them off.    They can go to grad school in Canada or Europe because the prospects when they finish will be much worse.
From India Point of view; someone may put the US point of view ... As an NRI you are not supposed to hold an Ordinary Demat Account. Please have this converted to NRO NON-PINS ASAP. Related Question Indian Demat account If the shares were purchased before 1-Oct-2004, they are liable for Long Term Capital Gains tax in India.
To add on to Sharkbat, it's pretty much FX-forward arb free. Three choices:  1. Invest at US LIBOR  2. Convert to XYZ at spot, invest at XYZ  LIBOR, convert back to USD from XYZ 1 year later.  3. Same as #2 but you had an 1 year FX forward (XYZ to USD)  #1 and #3 should have the same effect otherwise there'd be arbitrage. FX rates/forwards are off LIBOR (typically). #2 is not risk-free as Sharkbat says - there's FX risk in the final XYZ-&gt;USD transaction.