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    Friday, March 22, 2019

    Topics being removed - "Corporate News" vs. Investor News Investing

    Topics being removed - "Corporate News" vs. Investor News Investing


    Topics being removed - "Corporate News" vs. Investor News

    Posted: 21 Mar 2019 09:42 AM PDT

    tl;dr Not all corporate news is investment news. If you post a topic the onus is on you to guide the discussion towards investing. If the moderators feel that a topic lacks relevance (which is more clearly defined below) then it might be removed. Off-topic top-level comments have similar standards applied to them.


    It is easier for us to act on a policy when we communicate it clearly. So, I want to clarify one of our rules, and then bring forward how we decide to remove topics under this rule.

    Posts must be news items relevant to investors. Do not post news items not relevant to investors. We are not a politics or general "corporate" news forum. We generally expect that your topic incites responses relating to investing.

    The issue is that we attract any sort of news article, regardless of relevance. A lot of these topics get removed, and sometimes they are even upvoted topics, but the comments are littered with off-topic discussion.

    This is frustrating because in many cases the article COULD have been relevant information to investors, but unfortunately none of the relevant information is being commented on or brought up in the body of the post.

    We generally expect that your topic incites responses relating to investing.

    This means that the onus is on you as the person posting the topic to guide the discussion. As moderators all we can do is remove offending comments, but we can't incite relevant discussion in every topic.

    Tell us, why is this political news impactful? Seek out an article that discusses market impacts rather than a generic article. If you want to post corporate news then find an article that includes the impact on the investment. Copy that information into the body of your post. Include price history. Add other pertinent links or details for the corporate.

    If you include no relevant investing information then don't be surprised if the topic is completely derailed from discussing investing. If you are posting a topic you need to invite people to talk about investing by using an article, or including information, that is pertinent to investors.


    As moderators, we have a few policies that we use to guide ourselves. This is a broad rule that requires some interpretation, but here we go:

    • If we can't figure out how your topic relates to investing, and the article doesn't include any (or extremely little) market news, and the body of your post doesn't link the topic to investing we will probably remove it as off-topic.

    • If your topic has an indirect relation to investing (such as being about a public company, or is major market shifting news) but you included no market information and the article(s) you linked have no investing information we may remove it if we feel that there is no clear reason to expect on-topic comments.

    • If someone posts a top-level comment on a thread that completely derails away from investing we will probably remove it.

    • If the policy above would result in the modteam seemingly needing to remove nearly every top level comment in a thread, and we felt like your thread is "borderline" not investing news, then we will take this as confirmation that the topic wasn't investing news.

    submitted by /u/CrasyMike
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    Financial Term of the Week: Assets and Liabilities

    Posted: 21 Mar 2019 07:04 AM PDT

    Why am I doing this?

    Most of us are probably active on this subreddit, because they want to increase their financial education in some way or the other.

    So do I! I want to improve my financial education by learning at least one new financial term every week.

    For me the best way to learn about a new topic is through these steps: researching, explaining and discussing.

    I'll explain a financial term and give some of my own thoughts about it. You may have a different opinion on the definition I chose or think about that topic in another way.

    And that's where I hope, the discussion kicks in.

    But now.. Let's start with this weeks financial terms: Assets and Liabilities

    What is an asset?

    Investopedia defines assets as 'resources with economic value that an individual, corporation or country owns or controls with the expectation that it will provide a future benefit.' In other words: An asset can be anything that generates a positive cashflow by reducing expenses or improving sales.

    What is a liability?

    Liabilities are obligations (often between two parties) that arise during the course of business. In general these obligations are not yet completed or paid for.

    Examples

    Some examples for assets:

    • manufacturing equipment
    • patents, trademarks, copyrights
    • stocks, bonds

    Some examples for liabilities:

    • loans
    • mortgages
    • accounts payable
    • unearned revenue

    What do you think…

    Houses and cars are often mentioned as examples for assets.. and of course they can be if you e.g. rent them out.. But when looking at your personal financial statement / balance sheet they often become liabilities instead of assets.

    I really like the way Robert T. Kiyosaki explains assets and liabilities. In his words assets are things that put money into your pocket while liabilities pull money out of your pocket. When you e.g. look at real estate, it can be either an asset or a liability depending on whether it brings or loses money for you.

    What do you think about this way of defining assets and liabilities? Is there anything crucial missing with Kiyosakis definition or do you think it covers all important aspects of these terms (in a really simple way)?

    Feel free to ask questions, comment on my thoughts and give your honest feedback. If you are interested in learning and discussing more financial terms together, let me know. Finally.. thank you for taking your time, reading this and sharing your thoughts with us!

    Links:

    Financial term of last week: Profit

    Next financial term: to be done

    submitted by /u/AMillionPI
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    Dow jumps 200 points, led by Apple

    Posted: 21 Mar 2019 10:08 AM PDT

    SNAP - Chase the pump or sell like the insiders? (46M in stock sold by execs this month)

    Posted: 21 Mar 2019 04:32 PM PDT

    What do you guys think about the 111% pump in SNAP the last 3 months? All I see are the insider sells of $46M in March and think that they lied about the DAU numbers. They also touted an android app but when you look at the google store, the updates have rolled out 3 times since the ER and Evan's summit (and 4M share sell) Each of the updates are worse than the last and I believe Android will never actually work for SNAP.

    Seems the insiders are still committing fraud like they did in the IPO but the stock just keeps going up? Should I chase it or just wait for it to top out and crash back to $5 before going long?

    submitted by /u/Kaner501
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    People talk about being skeptical when others are hopeful, now would be an example of sky high optimism

    Posted: 21 Mar 2019 04:48 PM PDT

    DoubleLine Capital CEO Jeffrey Gundlach: “still in a bear market”

    Posted: 21 Mar 2019 09:44 PM PDT

    https://www.cnbc.com/2019/03/21/gundlach-fed-this-week-not-reassuring-sp-500-still-in-bear-market.html

    Wapner: Were you surprised by Fed's dovish double-down on Wednesday?

    Gundlach: I think you have to be. I predicted they would go from two hikes this year to 0.5, and everyone told me there was no way they would downgrade it that far. But they went even further! And what the heck is that "1 hike in 2020" thing about? It seems almost desperate.

    Fed has gone from "we got this" to "we'll get back to you". Not reassuring.

    Wapner: Do you still think we're in a bear market or has the Fed's pivot (and double-down) changed the game?

    Gundlach – Yes to bear market. In 2007 the Fed went from "biased to tighten" to an "emergency ease" in just a few weeks. The S&P celebrated with a push to essentially a double top over the ensuing several weeks. This pivot from December's hawkishness seems metaphorical to that period. Fed says oil down is part of their motivation. Oil is up substantially from the December meeting. Why won't they give a reason for this that is at least factually correct? Say Trump demanded it. Say you are worried about Europe, or China, or the yield curve, or retail sales, or GDP now. But stop with the gaslighting.

    submitted by /u/achicomp
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    Stock transfer into Robinhood leads to inaccurate 1099 with zero cost basis

    Posted: 21 Mar 2019 05:45 AM PDT

    Edit: Judging from the responses, brokerages don't always keep track of when you purchased stock and how much you purchased it for. The solution is to just contact your old brokerage for the paperwork, and put in the accurate cost basis on the tax forms yourself. Hopefully this message gets across, and calms down other people who panicked like I did.

    ...

    This past July, I had recently quit a job and decided that I wanted to transfer all of my collected RSUs into Robinhood. I ended up selling them shortly after.

    Rather than combine the data of my previous stocks and these, it just showed a huge spike in my graph. As if I had acquired these stocks out of nowhere. That felt a little concerning.

    I just started doing my taxes, and I noticed that the 1099 has no cost basis. As if I literally acquired these stocks out of nowhere, at $0, rather than transferred them in from another account. Also, the 1099 claimed that I acquired these stocks entirely at once in July of 2018 (when I transferred it in), when I actually acquired the stocks at different times since 2017 on my previous account.

    All of this resulted in my net gains being $25,000 short term, rather $10,000 somewhat long term. Now I'm getting taxed thousands more than I should be, and I need help. I sent out an email about the bug, and now I'll have to patiently wait.

    submitted by /u/absentbrain
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    If you could invest in only one stock, which one would it be?

    Posted: 21 Mar 2019 09:21 PM PDT

    A question to determine what you're most confident in...

    submitted by /u/ashnag
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    What woulda recession look like in the social media generation?

    Posted: 21 Mar 2019 07:03 AM PDT

    When I hop on Instagram, Snapchat, or Facebook, I am bombarded with friends and acquaintances who post about spending in excess (coffee shops, overpriced fitness gear, expensive cars, luxury apartments, always happy never financially distressed) a lot of these people I know personally. I know they live paycheck to paycheck and are probably buying some of those things in credit.

    I get that there was social media in the 2008 recession. But it was nowhere near as popular and the news feed concept wasn't as it is today.

    I want to ask, what do you think a recession would look like in a social media generation? Would it cause people to post consumption less? No more "hey look at how awesome my life is" posts? Will social media as a platform show to the world who is skinny dipping in this 10 year bull economy?

    submitted by /u/wrangler_fan
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    My last thoughts on Motley Fool

    Posted: 21 Mar 2019 10:27 AM PDT

    Edit: I am pleased to say that a Customer Service Rep responded quickly (within an hour) and my severance should go without a hitch. I'm glad to see some of the suggestions people have been making in the comments, and will gladly focus my attention on those sites and resources.

    Howdy,

    I lurk in investment subreddits and rarely (if ever) post; I'm relatively new to investing, and have been trying to soak up what I can between part time classes and full time work, whether that's a stock worth buying, or an opinion on roboinvestors, or how to efficiently lose money (thanks r/wallstreetbets).

    A while back I bought into Motley Fool's services, I'd heard good things and figured it was worth a shot. That was somewhere between 4-6 months ago. I was completely disappointed, but I stuck it out; even considered writing a breakdown of the issues I had with the service, but Reddit seems to have their practices well documented.

    I decided to end my relationship with the Motley Fool, I was frustrated with how they do business, I was tired of the ads and "invitations" - and ultimately I feel there are better things I could do with the money.

    The straw that broke the camel's back though? You can't unsubscribe from their service through the website - you have to send an email or call them, and then have to wait one or two business days for a reply. So I wrote them a request that expressed my thoughts as clearly as my frustrated fingers could manage.

    I'd like to share with you all:

    "Enough, enough of your endless subscriptions costing $4,000 dollars. No more, I find no value in this. I wanted stock tips, and the rough percentage of emails you've sent me has been about 10% stock, 90% invitations to give you roughly $50,000.99 (collectively) in subscriptions to the next big thing.

    Dudes, I paid you for info and instead I feel like I've paid you for the privilege of you asking me for more money. If I was balling out of control as much as you seem to think I am do you think I would have paid $100 to buy in to your supposed extensive research?

    Honestly how many people are actually subscribing to the "NEXT BIG THING OH WOW TECH SOIL" that you can afford the freaks who type out novelettes? Novelettes that ultimately end with "... only costs the down payment on a new Lexus!" to boot.

    The way I see it we have two options here:

    Option 1 - stop sending me "invitations" that I, as a slightly-past-entry-level Corporate employee without a college degree cannot reasonably afford (seriously, $4000? Dudes I barely scrape up to $40k a year if I bust my ass and put in tons of overtime), and start sending me the information I paid you for.

    Option 2 - end my service, delete my email from your 'sucker list' and do not, under any circumstances, charge my card again.

    Thank you, and have an excellent day."

    I doubt the people on their end who read it will care, they already have my money.

    If there's anything you can take away from my experience: skip the Fool, they're vampires of the highest order.

    submitted by /u/SandalJeanRoots
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    Mutalfunds

    Posted: 22 Mar 2019 03:36 AM PDT

    Which mutal funds do you guys use to beat the S&P500, with low mer.

    Also, thoughts on TDB902?

    submitted by /u/lushlobster
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    Mutal funds that beat the snp500

    Posted: 22 Mar 2019 03:23 AM PDT

    Which mutal funds do you use that beat the snp500 with low MER?

    submitted by /u/lushlobster
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    Product Hunt - Farmland Investing

    Posted: 22 Mar 2019 03:09 AM PDT

    https://www.producthunt.com/posts/landaio

    Live on product hunt.
    Landaio is a crowd-investing platform, that harnesses the power of the global community to raise funds, for sustainable farmers worldwide.
    We incentivise large scale farms to make structured commitments to sustainable farming, funded by everyday investors and institutional money. We allow investors to make reliable returns with their funds, or trade their investments on the platform, while investing in greater global good.
    Landaio supports farmers left behind by unaffordable debt burdens, and without any access to adequate farming finance and capital. By democratising farmland we prevent land grabbing and land speculation.

    submitted by /u/WeHarvest
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    Thoughts on Disney and Fox acquisition moving forward. hold sell buy - and why?

    Posted: 22 Mar 2019 02:46 AM PDT

    Questrade exchange rate?

    Posted: 21 Mar 2019 08:39 PM PDT

    For people using questrade, for converting from cad to USD there's an exchange rate right? How come it does not show for the confirmation when ordering an American stock?

    submitted by /u/---TITAN---
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    FED's choice not to raise interest rates is triggering a Yield curve inversion.

    Posted: 21 Mar 2019 05:29 AM PDT

    • Yesterdays decision not to raise interest rates is causing people to invest heavily in the bond market for long term security.

    • When more people invest in the Bond market, the long term yield becomes lower.

    https://www.marketwatch.com/story/the-feds-dovish-double-down-has-taken-the-most-accurate-recession-indicator-closer-to-flashing-red-2019-03-20?mod=markets

    If you're new to the stock market, here is an Investopdia link about Yield curve inversions.

    submitted by /u/squeeeeenis
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    19 years old and 22k in stocks.

    Posted: 22 Mar 2019 01:43 AM PDT

    Currently, I have around 22 thousand dollars in stocks, but the thing is I only own 3 stocks, and that's Amazon, Microsoft and an Investment company called Investor B. Is this diversified enough or am I young enough to go balls to the walls with these stocks? No loans, no car loans, no student debt.

    https://www.bloomberg.com/quote/INVEB:SS

    submitted by /u/suculents2
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    $AAPL Sentiment Trending UP

    Posted: 21 Mar 2019 07:57 AM PDT

    $AAPL 30-Day and 1-Day sentiment trending up since its earnings pre-announcement in early January. Both Needham and Citi analysts increased $AAPL price targets prior to $AAPL Content announcement on 3/25

    https://imgur.com/3wzrKiE

    "Upgrading AAPL to Strong Buy (from Buy) and raising our price target to $225
    https://www.cnbc.com/2019/03/21/here-are-the-biggest-analyst-calls-of-the-day-biogen-apple-micron--more.html

    submitted by /u/stocksnips
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    Transfer out fees per holding on trading platforms

    Posted: 21 Mar 2019 04:47 PM PDT

    Do transfer out fees per holding only occur if you switch platform and want to keep your current portfolio. Or will they also occur if you sell or your shares in a holding and transfer out the money into a bank account? If you wanted to switch platform could you get around the fees by selling your shares and then buying them again on a new platform?

    submitted by /u/seasideswalsh
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    Does anybody on this sub use Motif Investing?

    Posted: 21 Mar 2019 01:54 PM PDT

    I'm just curious if anyone on this sub uses Motif investing. And if so, what do you think about it? I've been using it for a little over a year now and although it's not the cheapest option out there I find it the most fun to use.

    submitted by /u/sheepofwallstreet86
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    BMO Harris - Premier Services high interest rate?

    Posted: 21 Mar 2019 03:01 PM PDT

    A family member told me she's moving almost all her money to BMO under their Premier Services umbrella (1% management fee - ughhh). She was talked into this by someone local to her and I don't think I can talk her out of it (even though she has to sell everything in her brokerage account to move it - it's a lot more than $100k). She has gobs of money from being a high earner but has next to zero financial literacy.

    She said she's able to get a money market account that pays over 5% if it maintains a balance of $100k. I can't find anything on the internet that supports this.

    Hell, I'd move $200k there tomorrow if it was true.

    Anyone have any insight or experience with them? I'm thinking she misunderstood something and maybe ended up in an annuity of some kind??

    submitted by /u/cargalmn
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    Difference between S&P500 return and total return?

    Posted: 21 Mar 2019 04:28 PM PDT

    https://ycharts.com/indicators/sp_500_monthly_return

    https://ycharts.com/indicators/sp_500_monthly_total_return

    I can't figure out the difference between the two. Which should I use to benchmark my portfolio?

    Edit: also any favorite sites I can look up monthly performance?

    submitted by /u/kgbhouse
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    Should I pull my 2k from my acorns individual account into my m1 roth account?

    Posted: 21 Mar 2019 10:07 PM PDT

    Up $150 on my acorns from gains. My m1 has about $800 in it. Is this a wide decision? Both platforms are free for me right now. So my m1 would move to about $2800. Let me know your thoughts. Thanks.

    submitted by /u/forthepeople29
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    Question About Index Funds

    Posted: 21 Mar 2019 09:53 PM PDT

    I am currently invested in 10 company stocks as well as a 2060 Aggressive Target Date Fund and soon going to be switching to all index funds. My question is what index funds best complement the Target Date Fund by diversifying more without overlapping? Below is what is in the Target Date Fund.

    • VEA - Vanguard FTSE Developed Marketa
    • VWO - Vanguard FTSE Emerging Markets
    • VTV - Vanguard Value
    • VOO - Vanguard S&P 500
    • VUG - Vanguard Growth
    • VO - Vanguard Mid-Cap
    • VOE - Vanguard Mid-Cap Value
    • VOT - Vanguard Mid-Cap Growth
    • VB - Vanguard Small-Cap
    • VBR - Vanguard Small-Cap Value
    • VBK - Vanguard Small-Cap Growth
    • VNQ - Vanguard Real Estate
    • DBC - Invesco DB Commodity Index Tracking Fund
    • BLV - Vanguard Long-Term Bond
    • BIV - Vanguard Intermediate-Term Bond
    • BNDX - Vanguard Total International Bond ETF

    Thanks in advance!

    submitted by /u/crapgov
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