- Warren Buffett has long praised the virtues of putting money in low-fee index funds, but many of his companies don’t offer such funds in workers’ retirement accounts. It’s a problem shared by millions of Americans.
- what is more likely by the end of the year: Bitcoin falls to 1000 or the dow hits 28,000
- Any thoughts on Spotify IPO this week?
- This is the Forbes list of America’s fastest growing cities. Aside from housing, how could one invest in this growth via stocks?
- Beginner Investor
- Investing for current income... high yield dividend mutual funds
- Can you avoids taxes and fees by transferring one vanguard fund to another?
- Any MBA students here?
- OPEC, Russia Consider 10-20 Year Oil Alliance, Says Saudi Crown Prince. The crown prince predicted that world oil demand would not peak until 2040, despite advances in renewable energy technologies and the electric vehicle.
- Peter Lynch tells people to not worry about an overvalued market
- Investing books (Margin of safety)
- shorting gone wrong
- How can a Company Have Debt, but no Interest Expense?
- Explain MSFT's valuation
- E-Trades
- Allow company to withhold income tax or take the gross and invest?
- FUSEX vs ITOT
- Where to start to learn how to become financially independent ?
- Diagram to help learn about all types of financial securities?
- The 'Holy Grail' hedge fund strategy to handle a black swan the size of World War I
- Rich dad, poor dad question - At what salary are income taxes higher than social security?
- [TN] Buying and living in my first "investment" home
- Will SBGI catch a cold from this?
Posted: 31 Mar 2018 01:58 PM PDT |
what is more likely by the end of the year: Bitcoin falls to 1000 or the dow hits 28,000 Posted: 31 Mar 2018 05:33 AM PDT |
Any thoughts on Spotify IPO this week? Posted: 31 Mar 2018 09:30 PM PDT Hey all sorry for my mobile format. First I would like to say thanks to r/investing! I've been lurking for a while and after three months of research I opened my brokerage last July. Any thoughts on Spotify? It's a product I believe in but don't want my bias to take the wheel. Also I have not invested in an IPO yet due to risk. Looking for some thoughts! [link] [comments] |
Posted: 31 Mar 2018 04:06 AM PDT |
Posted: 31 Mar 2018 10:23 PM PDT Hey all! I'm interested in beginning to invest but get overwhelmed when researching information about how to get started. What would you all suggest as far as getting started for a beginner and resources to read for understanding. Sorry for such a broad question but this has been something I've been wanting to learn about for a while now to possibly help secure my future in a long term sense, not looking for a quick come up. I know there are risks involved and that's ok. Thank you in advanced! [link] [comments] |
Investing for current income... high yield dividend mutual funds Posted: 01 Apr 2018 12:04 AM PDT The funds mentioned in this article seem too good to be true to me. https://www.forbes.com/sites/michaelfoster/2017/05/02/3-funds-for-9-dividends-and-capital-gains-upside/#685f85487fb4 Can somebody please explain how they manage to pay such high dividend yields? Here's why I ask and also a bit about my personal situation. I'm interested in possibly moving to Thailand, which would enable me to work on my startup and also write some e-books. I've got 225k cash and am wondering if investing in one of these funds can sustain me by covering my meager expenses (about 1.3k per month) with dividend income. While I plan to eventually up my income significantly through business revenues, my startup and associated ventures won't be generating enough to cover my living expenses for some time. Investing in one of these funds seems like a great idea to help cover my living expenses, but I just don't know the true story after all of the fund expenses and details. Seems like it can't be possibly true that the yields are actually what they're advertised as, or maybe I just have a distrust of the finance industry... Please help me understand the real story here. [link] [comments] |
Can you avoids taxes and fees by transferring one vanguard fund to another? Posted: 01 Apr 2018 12:04 AM PDT Would there be any taxes or fees I would have to pay to transfer the money in my VFINX to a VTSMX fund instead? I'm aware you can do it through through the app and website but will it result in me paying any taxes or could I do it pretty seamlessly? Edit: because I know if I was to withdraw it then buy the separate fund I'd pay capital gains, but can I avoid all of that by exchanging it directly from one to the other? [link] [comments] |
Posted: 31 Mar 2018 04:48 PM PDT Thinking of applying to an MBA program. My undergraduate and work after has been in science and public health. Wondering what people would recommend for GMAT prep materials or any advice. I am slowly understanding my passiona for business and leadership opportunities, hence why I'm considering the change. Thank you for any advice! [link] [comments] |
Posted: 31 Mar 2018 12:46 PM PDT |
Peter Lynch tells people to not worry about an overvalued market Posted: 31 Mar 2018 07:33 AM PDT As good companies wilm continue to produce good earnings. But he also warns against people buying overpriced stocks even if the company is good. So what are you supposed to buy in an overpriced market? [link] [comments] |
Investing books (Margin of safety) Posted: 31 Mar 2018 05:44 PM PDT Does anyone have a PDF version of Margin of Safety? I've looked for it tirelessly but every link seems to be broken... please help! [link] [comments] |
Posted: 31 Mar 2018 06:12 AM PDT Has anyone ever shorted a company and it had to go very bad such as the stock rising out of nowhere and then you owe your broker? I think this example below is the extreme. [link] [comments] |
How can a Company Have Debt, but no Interest Expense? Posted: 31 Mar 2018 03:10 PM PDT Specifically talking about Century Communities Inc here (ticker $CCS). The stock caught my eye. I like to look at interest coverage ratio, but this stock has historically never shown to have interest expense, or at least I can't find it. Sources also show that they have around $850 MM in debt. How can this be? Thanks in advance! [link] [comments] |
Posted: 31 Mar 2018 11:31 AM PDT I am not a trained or experienced investor. I am just curious. I say all this to mean, many or all of my assumptions may be wrong. Microsoft's current market cap is ≈$700B. Being a naive investor, I would assume that if I were buying part of a business I would value it on the following basis: what is the current value of its balance sheet and what do I expect its cash earnings to be over some future period of time. Microsoft's end of 2017 book value was $27B. 2017 EBITDA was $33B. Book value has been steadily declining over the last 5 years and EBITDA has been flat at about $30B. Let's ignore the decline in book value for now and assume it will remain the same. So I buy today at a market cap of $700B, that means that it will take 22 years to break even ([$700B market value - $27B book value] / $30B annual EBITDA = 21.7 years). How is this a sane investment? What am I missing? Thank you in advance to those that respond. [link] [comments] |
Posted: 31 Mar 2018 09:23 PM PDT Looking for advise on e trade, worthy investments? Where to start? [link] [comments] |
Allow company to withhold income tax or take the gross and invest? Posted: 31 Mar 2018 04:57 PM PDT If you take the gross you can invest it for a 6-8% annual return. Do any of you ask your employer to not withhold income taxes? [link] [comments] |
Posted: 31 Mar 2018 08:10 PM PDT |
Where to start to learn how to become financially independent ? Posted: 31 Mar 2018 06:35 AM PDT I see that to become financially independent, the first thing to do is to learn about a lot of different things like how to build assets, how to manage money, etc. Where could I get a list of the principal things like that I need to focus on ? Thanks ! [link] [comments] |
Diagram to help learn about all types of financial securities? Posted: 31 Mar 2018 07:58 PM PDT I have been wanting to find a diagram/tree diagram that lists all the different securities such as derivatives, stocks, bonds, warrants, futures, reits, etc. in order so that i can learn about the most important ones first and then work my way down. Does anyone have any good sources to find such a diagram? I have searched but am yet to find any. For example: Financial Markets/Securities > Derivatives > Options > Calls/Puts > Greeks > etc. Other classes would then bounce off from the first bubble (financial markets/ securities) and others will bounce off from derivatives such as bonds > gov > corporate > etc. [link] [comments] |
The 'Holy Grail' hedge fund strategy to handle a black swan the size of World War I Posted: 31 Mar 2018 11:01 AM PDT https://www.ibtimes.co.uk/holy-grail-hedge-fund-strategy-handle-black-swan-size-world-war-i-1576915 Imagine being a wealth manager out of Geneva in 1912, trying to create a nice diversified portfolio of developed market bonds, and emerging market bonds, says Sokoloff. Say 39% of client assets would be split between stocks of Great Britain, France, German Empire, Austria-Hungary and Italy: truly mature, developed markets. Some 21% of assets would go into stocks of the two fastest growing economies: Russian Empire and North American United States. The wealth manager might also put a smidge into emerging economies like Argentina, Brazil or Japan. In bonds, allocation would be somewhat similar. Gilts with sub-3% yield would be the benchmark, with the rest of developed and emerging bonds trading at a spread. Alternatives investment could be in anything ranging from arable land in central Russia or the Great Plains, to shares of new automotive or aeroplane startups in Europe and America, to Japanese manufacturing ventures. This well-intentioned, balanced portfolio would be in for a wild ride in the next decade and possibly drawdowns of as much as 80%. The saving grace would have been to invest in Detroit startups or other investments that successfully straddled wars, Russian revolution, crises and the technological boom of the early 20th century. Most investment strategies follow a Taleb distribution, whereby an appearance of low risk and steady returns camouflages a reality, which is a high probability of a small gain, but a small probability of a very large loss that more than outweighs the gains. You could be making 5% per year but then there could come a year that you lose 30% or maybe more, and that's kind of the big nature of the Taleb distribution liquidity events are so insidious that your benefits are gone simply because your correlations start converging to one. [link] [comments] |
Rich dad, poor dad question - At what salary are income taxes higher than social security? Posted: 31 Mar 2018 09:49 AM PDT "The number one expense for most people is taxes. Many pepple think its income taxes but for most Americans, its Social Security....Social Security combined with Medicare is 7.5, but its really 15% since the employer must match the Social Security amount. In essence, it is wages your employer can not pay you. On top of that, you have to pay taxes on the amount deducted from your wages for Social Security tax, income you never recieved because it went to the Social Security withholding" Very great paragraph here. Eye opening to me espeically since I feel I could use Social Security taxes for something better. My question is this: At what salary level do we see income taxes as a percentage being more than social security taxes? Is it a high percentile? [link] [comments] |
[TN] Buying and living in my first "investment" home Posted: 31 Mar 2018 02:07 PM PDT I have some money saved up (about $200K) and want to invest some of it in my first house. I am 23yrs old and am just now moving to a new city [TN] for a job paying around $45k/yr base. I have 2 roommates who I know I am going to live with which led me to consider buying a house that we could all live in. The plan would be to have them pay me rent, but idk what I would charge them or how to approach this yet. I know friends are friends but I want to have some legal documentation of their commitment to paying me rent to ensure I am not squeezed for money to pay a mortgage by myself if they were to move out. This is my first time buying a house so I am also curious what rates I should charge my 2 roommates to cover a mortgage and additional expenses like tax, insurance, maintenance, etc. I am looking at $400-$500k homes with estimated mortgage prices around $2k/month. I plan to have my parents help purchase the mortgage because they have better credit and can help get better rate. Would love some input on this if anyone has suggestions. This is all just flow of ideas right now nothing is concrete and my approach could be completely off. What are things I need to be thinking about? Thanks! :) [link] [comments] |
Will SBGI catch a cold from this? Posted: 31 Mar 2018 05:36 PM PDT |
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