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    Daily advice thread. All questions about your personal situation should be asked here Investing

    April 24, 2019

    Daily advice thread. All questions about your personal situation should be asked here Investing

    Daily advice thread. All questions about your personal situation should be asked here

    Posted: 23 Apr 2019 05:13 AM PDT

    If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions. If you are going to ask how to invest you should include relevant information, such as the following:

    • How old are you?
    • Are you employed/making income? How much?
    • What are your objectives with this money? (buy a house? Retirement savings?)
    • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
    • What are you current holdings? (Do you already have exposure to specific funds and sectors?)
    • Any other assets? House paid off? Cars? Expensive significant other?
    • What is your time horizon? Do you need this money next month? Next 20yrs?
    • Any big debts?
    • Any other relevant financial information will be useful to give you a proper answer.

    Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

    submitted by /u/AutoModerator
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    Harley-Davidson (HOG) reported a 26% drop in first-quarter profits, blaming falling demand for motorcycles and higher costs from tariffs

    Posted: 23 Apr 2019 07:26 AM PDT

    Tariffs from global trade wars will cost the company between $100 million and $120 million this year, it said in January.

    Tuesday, Harley said its revenue from motorcycles and related products fell 12 percent in the recent quarter to $1.2 billion. Harley's worldwide retail sales fell 3.8 percent, while international sales fell 3.3 percent and U.S. sales fell 4.2 percent.

    The net income of $127.9 million, or 80 cents per share, topped Wall Street expectations of 67 cents a share. - source

    submitted by /u/goodDayM
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    Free Access to Morningstar

    Posted: 23 Apr 2019 09:51 AM PDT

    Hello,

    I Dont know if some are aware but you can get free/cheap access to the full Morningstar site with a library card.

    Most library memberships are free and that will give you access to Morningstar through the library website.

    If your library does not offer free access to Morningstar you can get an out of state/online membership for about $40-$50 per year. They will send you either a real card or a virtual card # that you can use to access the Morningstar site.
    Still beats the $199/year M* charges, plus there are a ton of other benefits of a membership.

    Link to NYPL Morningstar page: https://www.nypl.org/collections/articles-databases/morningstar-library-edition

    This link is usually found under the "Databases" or "Resources" section.

    NYPL Morningstar Log in page: https://login.i.ezproxy.nypl.org/login?qurl=http%3a%2f%2flibrary.morningstar.com

    Barcode: Library Card #

    PIN: Library Pin

    Online/Out of State Options:

    Charlotte-Mecklenburg Library in North Carolina offers library cards by mail for $45 a year https://www.cmlibrary.org/library-card-faqs

    Fairfax County: https://www.fairfaxcounty.gov/library/non-resident-library-card-application

    Brooklyn Public Library: https://bpl.bklynlibrary.org/patron_card/registration.aspx?ref=outofstate

    p.s. you get access to the OLD M* page which is much faster and has less clutter than the new page they have now.

    submitted by /u/iggy555
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    What is your opinion on Forex Trading and what do you think about all those rich “self made” Instagram signal providers ?

    Posted: 24 Apr 2019 12:37 AM PDT

    What challenges have you faced managing parents/grandparents money?

    Posted: 23 Apr 2019 07:16 PM PDT

    I'm taking responsibility for my gran's IRA, brokerage account, annuity, and bank account. We're slowly extricating her from a variable annuity from the Lincoln Financial Group, and reallocating her assets towards munis and T-bills via Vanguard. She's 84-years-old, so I think a portfolio allocation of 80% bonds/T-bills and 20% US equities seems appropriate, with a small cash reserve for emergencies/6 months of living expenses.

    ​

    She has a long-term health care plan which covers approximately $80K of expenses, plus Medicare.

    ​

    She owns her home outright and her car—though it may need to be replaced in the next 3-5 years (assuming she remains in good health).

    ​

    I'm aware that her health expenses will likely increase, but I'm trying to figure out what circumstances I might be forgetting to account for. She has home, earthquake, and auto insurance. Thanks in advance for your input.

    submitted by /u/ctrl-f-society
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    eBay Q1 2019 Earnings Highlights

    Posted: 23 Apr 2019 01:59 PM PDT

    • Revenue of $2.6 billion
    • GAAP and Non-GAAP EPS per diluted share of $0.57 and $0.67, respectively, on a continuing operations basis
    • GAAP and Non-GAAP operating margin of 23.0% and 29.8%, respectively
    • Returned $1.6 billion to shareholders in Q1, including $1.5 billion of share repurchases and $125 million paid in cash dividends
    • GAAP net income from continuing operations of $521 million, or $0.57 per diluted share and Non-GAAP net income from continuing operations of $608 million, or $0.67 per diluted share
    • eBay generated $550 million of operating cash flow and $368 million of free cash flow
    • Q1: eBay grew active buyers by 4% across its platforms, for a total of 180 million global active buyers.
    • Marketplace platforms delivered $2.2 billion of revenue and $21.6 billion of GMV
    • Marketplace revenue growth was 3% on an as-reported basis and 4% on a FX-Neutral basis
    • GMV was down 4% on an as-reported basis and down 1% on a FX-Neutral basis.
    • StubHub platforms drove revenue of $230 million, flat on both an as-reported and FX-Neutral basis, and GMV of $1.0 billion, down 3% on an as-reported basis and down 2% on a FX-Neutral basis.
    • Classifieds platforms delivered revenue of $256 million, up 4% on an as-reported basis and up 12% on a FX-Neutral basis.
    • eBay intermediated $220 million in GMV in Q1 - a 61% QoQ increase - bringing the total GMV enabled since launch to $363 million and saving sellers $2.7 million in payment-related costs.
    • Operating margin — GAAP operating margin increased to 23.0% for the first quarter of 2019, compared to 22.5% for the same period last year. Non-GAAP operating margin increased to 29.8% in the first quarter of 2019, compared to 27.9% for the same period last year.
    • Taxes — The GAAP effective tax rate for continuing operations for the first quarter of 2019 was 22.6%, compared to 25.6% for the first quarter of 2018. The non-GAAP effective tax rate for continuing operations for the first quarter of 2019 was 17.6%, compared to 20.4% for the first quarter of 2018.
    • Q1 2019 cash flow: $550 million of operating cash flow from continuing operations and $368 million of free cash flow

    ​

    Q2 2019 Outlook:

    • Net revenue between $2.64 billion and $2.69 billion
    • GAAP earnings per diluted share from continuing operations in the range of $0.41 - $0.45
    • non-GAAP earnings per diluted share from continuing operations in the range of $0.61 - $0.63

    ​

    Full Year Outlook:

    • Net revenue between $10.83 billion and $10.93 billion
    • GAAP earnings per diluted share from continuing operations in the range of $1.94 - $2.04
    • non-GAAP earnings per diluted share from continuing operations in the range of $2.64 - $2.70
    submitted by /u/hyousef333
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    US New Home Sales Climb for a Third Straight Month in March

    Posted: 23 Apr 2019 11:30 AM PDT

    https://www.bloomberg.com/news/articles/2019-04-23/u-s-new-home-sales-climb-for-a-third-straight-month-in-march

    Someone on here yesterday was telling me that the drop in existing home sales signals a looming recession and that the housing market is tanking.

    Or maybe people are buying new homes rather than existing ones?

    submitted by /u/skilliard7
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    SoftBank’s Masayoshi Son got caught up in the Bitcoin frenzy and reportedly lost $130 million

    Posted: 23 Apr 2019 08:51 AM PDT

    Lockheed Martin (LMT) stock price soars almost 6 percent or 18 dollars after company’s Q1 earnings surpass analyst expectations

    Posted: 23 Apr 2019 11:55 AM PDT

    Tencent backed Game Live-streaming Platform Douyu Files for US IPO (F-1 filing)

    Posted: 24 Apr 2019 12:19 AM PDT

    Google Spinoff’s Drone Delivery Business First to Get FAA Approval

    Posted: 23 Apr 2019 01:42 PM PDT

    A timeline of everything Amazon has owned or invested in since 1998

    Posted: 23 Apr 2019 08:24 AM PDT

    Payment for order flow: a really small rant

    Posted: 23 Apr 2019 07:56 PM PDT

    Alright, over in another thread I see people talking about payment for order flow, and saying it is a downside that comes when using Robinhood.

    Now, I am nowhere close to an expert on industry standard payment for order flow practices, but I continually see people talking about Robinhood selling order flow like they are the only ones. Surprise, they aren't.

    Back in November 2018 the SEC began requiring that broker-dealers disclose information about handling of order flows.

    Here are some samples:

    E*TRADE:

    https://content.etrade.com/etrade/powerpage/pdf/OrderRouting11AC6.pdf

    Wells Fargo:

    https://www.wellsfargoadvisors.com/pdf/disclosures/wfa-order-routing-606.pdf

    Interactive Brokers:

    https://www.interactivebrokers.com/en/index.php?f=563

    TD Ameritrade/Thinkorswim:

    https://www.thinkorswim.com/tos/client/complianceWorld/orderRoutingReports/AMTD-2055-0414.pdf

    Now, I'm not saying that Robinhood is a great broker, or you should use them, but they aren't the only ones selling order flow. They certainly have issues, and I don't use them, but if you don't want to have your order flow sold, you may have to search for a bit.

    That's all I have to say. I hope I can correct this misconception, and if I'm wrong about something (which I may be) please let me know.

    submitted by /u/v1d5r
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    What you guys think about cooper

    Posted: 24 Apr 2019 01:34 AM PDT

    Currently I am looking for a business who trades or mines cooper. Because of the raising cooper price I want to Invest but I havent found something that's seattles me 100%. Any suggestions?

    submitted by /u/Edelmann123
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    Dividend discount model and capital gains

    Posted: 23 Apr 2019 03:19 PM PDT

    I think I'm forgetting something. The DDM is the present value of all future dividends, and can be used to value stock. Or some at least. But how does this model account for capital gains?

    If a company does not pay out everything as dividends, but reinvests some, how is the present value of the dividends the full reflection of the value?

    Asking because I did a DCF and a DDM on AT&T and my DDM was close to market price, and my DCF was higher. If the DDM is correct, then I think it's overvalued, but that's only if it truly accounts for the real value

    submitted by /u/Kyl3b5
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    PSA: DRIPs are still taxed

    Posted: 24 Apr 2019 12:33 AM PDT

    DRIP = dividend reinvestment plan

    I consider myself reasonably well versed in investment issues, but only recently learned that dividends are taxed as income. There's some further nuance between qualified and non-qualified dividends, but for the majority of US investors, the former is what matters. Here's another resource I found helpful about capital gains tax rates.

    submitted by /u/ctrl-f-society
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    Intellectual property Netflix vs Disney+

    Posted: 23 Apr 2019 11:20 AM PDT

    Most of Disney's IP is deeply marketable beyond movie and TV viewership, from amusement parks to t-shirts, it's everywhere.

    While Netflix has done good shows, near none of it has any impact beyond viewership. Stranger things is one possible exception to branding, but I still see no expansion from there. ST cartoons? Costumes? Maybe a few t-shirts. But largely, nope. Not really. It seems all their content are one hit wonders. That's pretty tough to maintain competitively. There's no attachment to their IP.

    Am I missing something here? It seems Netflix has not property thought of the long term consumer interest in their IP. Disney, on the other hand, has nailed it.

    submitted by /u/BitEther
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    What are some good stocks to get rn

    Posted: 24 Apr 2019 12:14 AM PDT

    k, so, I've been looking into stocks lately but I haven't figured out what to get. I have a budget of around $500 and I will be buying my stocks using e-trade (this is important for fees and commissions). The home depot looks like a great stock and is really constant but I'm not really sure if there are stocks with better profit out there. With the home depot, u get around a 19% yearly profit btw. I've also been looking into some airlines. The airline stocks look like they go highest during Christmastime and a bit after school summer break starts. American airlines are highest in profit, crew size, passengers, fleet size, and revenue. It seemed like it was really high exactly 1 year ago in April but now it's at a low so I don't think its really that good. Delta has the most assets and has the best market capitalization and they always get higher every year during the same times so its a steady stock. Turkish Airlines has the most countries served so I think it would be good but I'm not sure. I'll probably get apple regardless when they make the next announcement for an event when people start ordering new phones. Tmobile looks like it's constantly growing. There is also this drone aviation holding Corp. which recently had a spike, went down and is now going up. even tho it is at a low price per share, it seems like it would be a great stock to invest in. I don't think Disney would do me much good because the streaming thing already spiked it and I missed my mark. NIKE is whatever. I've heard good things about the motley fool but it's been the same for a while now. I've really been wanting to get a marijuana stock but its really hard to know which companies are going to do well in marijuana. It's gonna be legalized in the US so people are going to start using it more and more and in Canada, the use of it is spreading like wildfire. and for the final one, etrade; it has its own stock. I don't know but I feel like stocks have growing popularity and a lot of people will rely on them for making money. it's currently at $45 and it just went down a lot. it looks like it's going up again so now might be a good time to buy. I really don't know what would be good to buy. I would love to hear your opinions, ideas and suggestions to help me start off with stocks. What would be the best stock for me to get considering my budget and software/market? I'm open to suggestions, not just the ones that I put. thx

    submitted by /u/ediblepizza
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    Snap Q1 2019 Earnings Highlights

    Posted: 23 Apr 2019 01:20 PM PDT

    • Daily Active Users increased 2% sequentially to 190 million
    • Q1 revenue increased 39% to $320 million
    • Year over year revenue growth accelerated to 39%, from 36% in the prior quarter
    • Operating cash flow improved by $166 million to $(66) million in Q1 2019, compared to the prior year
    • Free Cash Flow improved by $190 million to $(78) million in Q1 2019, compared to the prior year
    • Common shares outstanding plus shares underlying stock-based awards totaled 1,544 million at March 31, 2019, compared with 1,457 million one year ago
    • Revenue increased 39% to $320 million in Q1 2019, compared to the prior year
    • Operating loss improved $76 million to $(316) million in Q1 2019, compared to the prior year
    • Net loss improved $75 million to $(310) million in Q1 2019, compared to the prior year.
    • Adjusted EBITDA loss improved $94 million to $(123) million in Q1 2019, compared to the prior year
    • DAUs were 190 million in Q1 2019, compared to 186 million in Q4 2018 and 191 in Q1 2018
    • As of March, Snapchat reaches 90% of all 13-24 year-olds and 75% of all 13-34 year-olds in the U.S.
    • As of the end of Q1, our new Android application is available to everyone.
      • The new app is 25% smaller, opens 20% faster on average, and is modularized for more efficient ongoing innovation.
      • On lower-performing devices, this resulted in a 6% increase in the number of users sending Snaps within the first week of upgrading to the new Android build.
    • In Q1 2019, nearly half of our daily Discover viewers watched Discover every day of the week.
    • We now offer more than 450 premium content channels worldwide.
    • In the past six months, we've more than doubled the number of localized media partners outside of the U.S

    Q2 2019 Outlook

    • Revenue is expected to be between $335 million and $360 million, or grow between 28% and 37% compared to Q2 2018.
    • Adjusted EBITDA is expected to be between $(150) million and $(125) million, compared to $(169) million in Q2 2018.
    submitted by /u/hyousef333
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    Portfolio idea

    Posted: 24 Apr 2019 02:32 AM PDT

    So tech ETFs like RYT returning 18% CAGR for 10 years is insane. Do you believe this will continue?

    Portfolio idea; 50% S&P500 Market Index (7% AVG) 50% RYT (18% AVG)

    CAGR; 12.5%

    Diversification across industries with a bias towards strong tech companies, strong returns. Not recession proof but who cares if you hold it long.

    If you wanted to get spicy you could go;

    30% S&P500 50% RYT 20% Value picks

    submitted by /u/CookhouseOfCanada
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    Twitter Q1 2019 Earnings Highlights

    Posted: 23 Apr 2019 04:37 AM PDT

    • Operating income of $94 million and operating margin of 12%.
    • Average monetizable DAU (mDAU) was 134 million in Q1, up 11% year-over-year.
    • Total revenue was $787 million in Q1, an increase of 18%, or 20% on a constant currency basis.
    • Total US revenue was $432 million, an increase of 25%.
    • Total international revenue was $355 million, an increase of 11%, or 15% on a constant currency basis.
    • Japan remains second largest market, growing 16% and contributing $136 million, or 17% of total revenue in Q1.
    • Total advertising revenue was $679 million, an increase of 18%, or 20% on a constant currency basis.
    • Year-over-year growth accelerated in the US relative to Q4, with ad revenue up 26%.
    • Data licensing and other revenue totaled $107 million, an increase of 20%
    • We delivered net income of $191 million, net margin of 24%, and diluted EPS of $0.25
    • Ended Q1 with more than 4,100 employees
    • Total ad engagements increased 23% year-over-year.
    • Cost per engagement (CPE) decreased 4% year-over-year.
    • Q2 2019 Outlook: Total revenue to be between $770 million and $830 million. Operating income to be between $35 million and $70 million
    • Q1 costs and expenses totaled $693 million, an increase of 18% year-over-year. This resulted in operating income of $94 million and 12% operating margin.
    • Average US mDAU were 28 million for Q1, compared to 26 million in the same period of the previous year and compared to 27 million in the previous quarter
    submitted by /u/hyousef333
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    How do you guys feel about M1 Finance?

    Posted: 23 Apr 2019 06:54 PM PDT

    Is there anything I should be aware of before using the app or anything to benefit my investing? I really like the idea of fractional shares.

    submitted by /u/johnnyboiiiiiiiiiiii
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    Where can I find historical after hours data?

    Posted: 23 Apr 2019 01:50 PM PDT

    I'm specifically looking for AMZN on 1/31 (their 1Q Earnings date). I remember massive swings in the after hours and would like to confirm and maybe plan a little for this week. Thanks in advance for any help!

    submitted by /u/BBQingFool
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    Chase YouInvest doesn't DRIP some positions

    Posted: 23 Apr 2019 06:10 PM PDT

    I have an IRA account with Chase YouInvest, and I have turned Dividend Re-investment setting on the account level. The dividends are getting re-invested properly for most of my positions, except for two (AVGO and UVE to be specific). Under the Dividend Re-investment setting, I don't actually see these two positions at all, even though I see all other positions. Is there, or could there be, a reason why Chase YouInvest does not re-invest these two positions? I am clueless on what is happening here - searched on Google but didn't get any useful results.

    submitted by /u/koolchaits
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