vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Based on what I know I'd say the following:   * financial assets are mostly owned by the rich, and so normal items aren't being purchased by normal people at any higher significant rate. The higher asset prices are staying invested instead of being used to spend.   * QE failed to raise consumers expectations for long term wage expectations, and so spending and credit hasn't grown as much.   * technology is causing a variety of deflationary pressures: ride sharing, room sharing is cheaper. Music and video are almost free. Brick &amp; mortar stores are contracting.
This is the worst part as far as I'm concerned. I fault Congress, not Apple, for failing to halt expatriation; but the fact that all of that capital is parked in cash equivalents while the national and works economy recovers is unceasingly painful. Imagine if $117B of found capital went into munis, what effect that would have. Pipe dream, though.
"Hope springs eternal in the human breast. No actively managed fund has beaten the indices over a long period of time, but over shorter periods, actively managed funds have beaten the indices quite often, sometimes quite spectacularly, and sometimes even for many years in a row. Examples from the past include Fidelity Magellan and Legg Mason Value Trust. So people buy actively managed funds hoping to cash in on such  good performance. The difficulty is, of course, that many people don't even think about investing in a fund until it is listed in some ""Top Forty Funds of last year"" compilation, and for many funds, they have already peaked, and new buyers are often disappointed.  Some  people who invested earlier plan on getting out of the fund before  the fund falls flat on its face, and fewer even succeed in doing so. As to why 401k plans often have high-cost actively managed funds, there are several reasons. A most important one is that there are numerous companies that act as administrators of 401k programs and these companies put together package deals of 401k programs (funds, administrative costs etc), and small employers perforce have to choose from one of these packages.  Second, there are various rules that have come into existence since the first days of 401k (and 403b) programs such as the investment choices must include funds of different types, and actively managed funds (large cap, small cap etc) are one of the choices that must be offered. Gone are the days when the only choice was a variable annuity offered by the insurance company administering the 401k program. Finally, program participants also have hopes (cf. opening sentence) and used to demand that the 401k program offer a few actively managed funds, not just index funds."
" "" Most are now done on the open market, and my research shows that they often come at the expense of investment in productive capabilities and, consequently, aren’t great for long-term shareholders."" ""Research by the Academic-Industry Research Network, a nonprofit I cofounded and lead, shows that companies that do buybacks never resell the shares at higher prices."" ""Many academics have warned that if U.S. companies don’t start investing much more in research and manufacturing capabilities, they cannot expect to remain competitive in a range of advanced technology industries. "" Specific examples: ""Pharmaceutical drugs. In response to complaints that U.S. drug prices are at least twice those in any other country, Pfizer and other U.S. pharmaceutical companies have argued that the profits from these high prices—enabled by a generous intellectual-property regime and lax price regulation—permit more R&amp;D to be done in the United States than elsewhere. Yet from 2003 through 2012, Pfizer funneled an amount equal to 71% of its profits into buybacks, and an amount equal to 75% of its profits into dividends. In other words, it spent more on buybacks and dividends than it earned and tapped its capital reserves to help fund them. The reality is, Americans pay high drug prices so that major pharmaceutical companies can boost their stock prices and pad executive pay."" ""Nanotechnology. Intel executives have long lobbied the U.S. government to increase spending on nanotechnology research. In 2005, Intel’s then-CEO, Craig R. Barrett, argued that “it will take a massive, coordinated U.S. research effort involving academia, industry, and state and federal governments to ensure that America continues to be the world leader in information technology.” Yet from 2001, when the U.S. government launched the National Nanotechnology Initiative (NNI), through 2013 Intel’s expenditures on buybacks were almost four times the total NNI budget."""
More questions!  1.) I thought the criticism of the Dow was that it's much smaller than other indexes and thus less representative of the market as a whole?  2,) When you say private investors are you talking about a few specific people? Or anyone who invests at all?  Thanks
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The usual, but controversial, answer to this question is a 4% withdrawal rate. This means a net worth of ($5000 * 12 months ) / 4%, i.e., $1,500,000 If you want to play with the numbers, based on historical data, you can use the FIRECalc simulator.
"From a talk by entrepreneur and investor Gary Vaynerchuk: @2:37: Look yourself in the mirror and ask yourself: ""What do I want to do every day for the rest of my life?"" Do that. I promise you can monetize that shit. @12:04: I don't want to hear about this ""9 to 5, I don't have time"" thing. If you want this, if you have a passion, work 9 to 5, spend a couple hours with your family, 7[pm] to 2 in the morning it's plenty of time to do damage. But that's it; it's not gonna happen any other way. @You work 9 to 6, you get home, you kiss the dog, and you go to town. Everybody has time. Stop watching fucking Lost. If you want this, if you want bling-bling, if you want to buy the Jets, work. That's how you get it."
"Your objectives are contradictory and/or not possible. Eliminating the non-taxable objective: You could divide the $100K in 5 increments, making a ""CD ladder"" $25K in 3mo CD (or savings a/c) $25K in 6 mo CD $25K in 9mo CD $25K in 1 yr CD or similar structure (6mo also works well) Every maturing CD you are able to access cash and/or invest in another longest maturity CD, and earn a higher rate of interest. This plan also works well to plan for future interest rates hikes. If you are forced to access (sell CD's)  ALL the $$$ at any time, you will only lose accrued interest, none of the principal.  All FDIC guaranteed. If non-taxable is the highest priority, ""invest"" in a tax-free money market fund....see Vanguard Funds. You will not have FDIC guarantee."
"Yes. A most emphatic yes.  I suggest you look at your 2014 return and project what 2015 will look like. I'd convert enough to ""top off"" the 15% bracket. Note, if you overshoot it, and in April 2016, see that you are say $5K into the 25% rate, you can just recharacterize the amount you went over and nail the bracket to the dollar.  If you have the time and patience, you can convert into 2 different Roth accounts. One account for one asset class, say large cap stocks/funds, the other, cash/bonds. In April, keep the account that outperformed, and only recharacterize the lagger. Roth Roulette is my name for this strategy. It's risk free, and has the potential to boost the value of your conversions.  Edit - To be clear, you are permitted to recharacterize (undo) any or all of the converted amount. You actually have until tax time (4/15 or so) plus the 6 month extension. You can recharacterize for any reason - A personal anecdote - I manage my mother in law's money. She is well under the 25% bracket cutoff. Each year I convert, and each April, recharacterize just enough to be at the top of the 15% bracket. Over $100K has been shifted from Traditional IRA to Roth by now. Taxed at 15% so her daughters will 'not' pay 25% when they withdraw. $10K in tax saved from uncle sam, for my effort of filling out paper twice a year for 12 years now. Well worth my effort."
You chose the worst case though, his last year alive. The GDP of the world is something like $85 trillion.  1.05^x = 85 *10^12  x = log base 1.05(85*10^12 ) //reddit should add subscripts, that would be nice  x = 657   2014-x = 1357   He was born in 1343, so if he invested when he was 14 he would be good.
Boy that's an over-simplification of Marxist theory if I ever heard one.  You think that the past 150 years of Marxist thinking amounts to the idea that economies trade in effort?  Whew.  Read the texts you're talking about before talking about them.
"(1) I think the phrase ""Variable Annuity"" is a glowing red flag. A corollary to that is that any strategy that uses insurance for a purpose (e.g. tax avoidance) other than protecting against loss rates at least a yellow flag. (2) The other really obvious indicator is a return that is completely out of whack with the level of risk they are saying the investment has. For example, if someone promises a 10% annual return that is ""Completely Safe"" or ""Very low risk"", Run. (3) If it is advertised on tv/radio, or all your friends are talking about it at parties. Stay away. Example: Investing in Gold Coins or the hot Tech IPO. (4) The whole sales pitch relies on past returns as proof that the investment will do well without any real discussion of other reasons it will continue to to well. Beware the gambler's fallacy. (5) Finally, be very wary of anyone who has some sort of great investment plan that they will teach you if you just pay $X or go to their seminar. Fee based advice is fine, but people selling a get rich quick vehicle typically know the real way to get rich is to get suckers to pay for their seminars."
Well, with transaction costs at 1.5% for a round-trip trade, suppose, and stamp duty on the purchase of 0.5%, your total costs for a b&b will be Stg1,080, and your tax saved (upon some future sale date) assuming you are a 20% tax-payer is 20%x(4,000-1,080) = Stg584 (the transaction costs are deductible, we assume). This does not make sense. Scenario 2. The same as scenario 1., but the shares are worth Stg60,000 by end-2016. Answer. The total transaction costs are 2%x60,000 = 1,200 and so the taxable gain of 10,000-1,200 = 8,800 would result in a tax bill of 20%x8,800 = 1,760 and so the transaction costs are lower than the tax to be saved (a strict analysis would take into account only the present value of the tax to be saved), it makes sense to crystalise the gain. We sell some day before the tax year-end, and re-invest the very next day. Scenario 3. The same as scenario 1., but the shares are worth Stg70,000 by end-2016. Answer. The gain of 20,000 less costs would result in a tax bill for 1,500 (this is: 20%x(20,000 - 2%x70,000 - 11,100) ). This tax bill will be on top of the dealing costs of 1,400. But the gain is in excess of the annual exemption. The strategy is to sell just enough of the holding to crystallise a taxable gain of just 11,100. The fraction, f%, is given by: f%x(70,000-50,000) - 2%xf%x70,000 = 11,100 ... which simplifies to: f% = 11,100/18,600 = 59.68%. The tax saved is 20%x11,100 = 2,220, versus costs of 2%x59.58%x70,000 = 835.52.
You can buy the data and process it on your own.  http://www.nyxdata.com/Data-Products/Daily-TAQ
"I can't find any specific loopholes listed there that he plans to close.  The only use of the word is  &gt;Meanwhile, loopholes favor those with the best lobbyists. If we close loopholes and lower the tax rate, the American people and corporations will win.  which is the same generic stuff he's been saying all along.  I'm guessing from your name ""optiontrader"" you know a lot more about this than I do so if there's something in there that I'm missing please point me to it."
Shorts are difficult because you have to find someone to lend the stock to you. In contrast, put options don't require that. They also have some nice properties like you're only out the contract price. The options chain for BSFT will give you an idea of where the market is.  Keep in mind that BSFT only IPO'd last year and announced blowout earnings recently. Make sure the P:E you're looking at is using recent earnings reports!
you asked for strategies which use deep in the money options:  dividend mispricing can use deep in the money options, basically its an arbitrage play on ex-dividend dates. and any kind of spread can use deep in the money options, depending on how wide you want your spread to be
One of the most useful ways to depict Open, High, Low, Close, and Volume is with a Candlestick Chart. I like to use the following options from Stockcharts.com: http://stockcharts.com/h-sc/ui?s=SPY&p=D&yr=0&mn=3&dy=0&id=p57211761385
Yes, add the stocks/mutual funds that you want and then you would just need to add all the transactions that you theoretically would have made. Performing the look up on the price at each date that you would have sold or bought is quite tedious as well as adding each transaction.
I found out about Google checkout today, it looks like it may meet my needs, but I'd still be interested to find out about other options.
1.45 and 1.40 are the last trade prices.  The last trade (1.45) for the 27 strike call must have occurred earlier than the last trade (1.40) for the 26 strike call.  These options have low liquidity and don't trade very often.  You have to look at the bid and ask prices to see what people are currently bidding and asking for those options.  As you can see, the premium based on the bids and asks does decrease the further you go out of the money.
well well, good question, worth a discussion, the more filters you add to your strategy (volatility in this case), the lower its predictive power. i mean, one could further filter it by day of the week, whether prices are above or below a 200 day moving average...etc.
You will likely have an options pricing course in your degree program.  If option pricing is not part of the curriculum at all, I would transfer out.  I've had a few co-workers and interviewed candidates who graduated from satellite campuses of major schools.  It's surprising how many of them somehow made it through a finance degree program never learning about options and other derivatives.  The guys that never learned them end up having to play catch up on the job.  A good portion of them end up figuring it out, but a group of them also end up being let go or they leave because they just can't figure it out....   Options are a key and important part of Finance, make sure you understand them!  They also aren't that hard to figure out.
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Understood. Similar to how doctors who go through/pay for med school prevent me from practicing medicine to profit.   Unsure what you think the average bbg user is doing with the terminal, bud. It's definitely not day-trading, at least not in the way you the think.
"There are a number of strategies using options and shares together.  One that sells large potential upside gains to assure more consistent medium returns is to ""write covered calls"".  This fairly conservative and is a reasonable entry point into options for an individual investor. Deeper dive into covered calls"
Yes apply for live and dynamic data (you may have to pay for this depending on your broker and your country) and look at the market depth.
Outside of software that can calculate the returns:  You could calculate your possible returns on that leap spread as you ordinarily would, then place the return results of that and the return results for the covered call position side by side for any given price level of the stock you calculate, and net them out. (Netting out the dollar amounts, not percentage returns.)  Not a great answer, but there ya go. Software like OptionVue is expensive
you very well may know better than me, honestly; but with any volatile investment, it is necessarily hard to predict their intermediate term trends. that would be my only caution to you!  if you want speculative positions to hold, you might consider lower priced biopharms (though not pure penny positions). i made a bit of money on CCXI, for example. if you want more engagement/trading activity, consider tech trading or options (my personal favorite).
"It is actually an option - last 3 places I worked during the negotiation I said ""how about you pay me 20% less than your offer but I work four days a week"".  They were happy and I was happy."
"Oh that's easy just google relevant deals and you should find CIMs online. Here is a link to an example. I just googled ""confidential information memorandum"". I'd air on the side of caution in having these shared directly from a client considering the information is confidential.   https://barbadosunderground.files.wordpress.com/2015/06/cahill-energy-translation_seekpanda-english1.pdf"
Option prices can predict the range of movement of the underlying, but not if the underlying is going up or down. An option price gives an implied volatility for an underlying . That IV number helps predict a range for the underlying price over the next few days,months, upto a year.
Theoretically IRP works, in practice is a whole new game... I've been longing EURCHF leveraged up at the floor and collecting the rate differential.  When the ECB cuts rates i'll close the trade...  These are called carry trades and more commonly done right now with bonds.
You might consider calling the broker you invest with. At mine, you can see the room left to contribute each year in the TFSA. The CRA might just have old/bad data.
I use StockCharts for spread charting. To take your question as an example, here is the chart of Apple against Nasdaq.
"The backdoor Roth IRA contribution has been possible for a few years now and is fairly widely known. The IRS hasn't said anything negative about it. An answer to my question here mentions that it could hypothetically be disallowed through the ""step transaction doctrine"", although that is the only time I have heard that possibility raised. For some background, the income limit on Roth conversions was removed as a ""revenue-offsetting provision"" of the Tax Increase Prevention and Reconciliation Act of 2005. They want people who have deducted contributions in Traditional IRAs to convert to Roth and pay taxes now rather than waiting many years until retirement. Conversely, people performing the backdoor Roth IRA contribution have already paid taxes on that money and it's just preventing them from having to pay taxes many years later. It's easy to see how Congress would find this a satisfactory exchange."
I will expand this to 401K's, 403B's, and the federal retirement program.  There are 3 things to worry about when trading: The tax friendly retirement programs will remove the worry about taxes. Most will reduce or eliminate the concern about transaction fees. But some programs will limit the number of transactions per month. In the past few years the federal program has cracked down on people who were executing trades every day. While employees are able to execute trades without a fee, the costs related to each transaction were being absorbed into the cost of running the program. To keep the costs down they limited the number of transactions per month. Some private programs have limited the movement of money between some of the investment options.
If the funds are deposited into a noninterest-bearing account, they will be covered by FDIC insurance regardless of the amount (However, this extended coverage may not be valid after Dec. 31, 2012): On November 9, 2010, the FDIC issued a Final Rule implementing section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act that provides for unlimited insurance coverage of noninterest-bearing transaction accounts. Beginning December 31, 2010, through December 31, 2012, all noninterest-bearing transaction accounts are fully insured, regardless of the balance of the account, at all FDIC-insured institutions.   (Source: http://www.fdic.gov/deposit/deposits/changes.html)
"I expect that data may be copyright. Data that's published (e.g. on a newsfeed or web site) is subject to terms of use. Standard & Poor's web site says, about the Shiller indexes, Who do I contact at S&P to license my   use of these indices?   Questions   regarding licensing the   S&P/Case-Shiller Home Price Indices   can be addressed to:  Bo Chung    Managing Director    bo_chung@standardandpoors.com,   +1.212.438.3519 As for 'recording' the information yourself, that may depend on how and where (e.g. from what source) you're recording it. If for example you tried to record prices from the Canadian MLS (Realtor's) network, they too have their own terms of use on the data they publish. Copyright laws vary from country to country (and terms of use certainly vary): for example see http://en.wikipedia.org/wiki/Feist_v._Rural which is case law about copyrighting a phone directory in the USA, and contrast that with http://en.wikipedia.org/wiki/Database_right which is European legislation. So who owns data if it is determined by free market? I guess that ""determined by free market"" means that buyers and sellers are publishing their offers-to-buy and their offers-to-sell, and I guess that the publisher (e.g. the stock exchange) has 'terms of use' about the data (the offers) that they're publishing."
The issue here is not that Sears is taking money from the pension.  The pension is underfunded and Sear is asking to not make additional payments towards the underfunding.  Pensioners are still getting screwed.  At least in the US, there are lots of controls on what companies can do with pension money.  Way beyond just having separation of assets.
http://www.scottrade.com/online-brokerage/interest-margin-rates.html  Rates fluctuate based upon the federal funds rate.
Yes, there is an analogous strategy for selling: it's to sell a fixed number of shares per period of time.
If you buy a CD through a brokerage, the trade confirmation will indicate whether the CDs is FDIC insured. Unless you have authorized the broker (in writing) to exercise discretion in your account, meaning they can act in your account without contacting you first, they must contact you and discuss the specific investment with you before buying it. If they have misled you and the CD is not actually FDIC insured, you have a right to ask them to reverse the transaction.  Keep in mind that brokerages are also required to insure the assets in your account which they hold on their balance sheets (cash, bonds, stocks, mutual funds, but not commodities). This is provided by SIPC, the equivalent of FDIC in the brokerage world. Most large brokerages also insure you beyond the SIPC minimum. Keep in mind, unlike FDIC, you're not insured against market risk, only against a bankruptcy of the brokerage. Also, SIPC is funded by the securities industry, not by the US Government.