Daily Advice Thread - All basic help or advice questions must be posted here. Investing |
- Daily Advice Thread - All basic help or advice questions must be posted here.
- Should I cash out my stocks now, while my income is Zero?
- Berkshire Profit Hits a Record as Buffett’s Cash Pile Grows
- Why are bank savings account interest rates so low compared to 50 years ago?
- Saudi Aramco ready to go public
- What are your thoughts on UBER as an investment? Long term, Short term, or as an options trading vehicle?
- Market Cap to GDP is all time high, is that a concern?
- Anyone with an app or website for investing here in Europe?? Please to be safe and not a scam
- Incoming recession
- Climate change will break the housing market, says David Burt, who predicted the 2008 financial crisis
- Aphria, Inc received cultivation license for second grow facility making them the largest cannabis producer.
- Are Housing Markets heavily affected by market cycles?
- Are receivables and sales supposed to move in tandem with each other? And what else is supposed to move in lockstep with one another in accounting that investors must be looking at to be able to perform quality due diligence?
- Aramco
- Gamestop is closing all stores in the Nordic countries.
- What do you think of HYIH (Xtrackers High Yield Corporate Bond - Interest Rate Hedged ETF)
- What if the year you've been planning to cash out is when the next Great Depression hits?
- Need Advice: Is this a good portfolio of fidelity mutual funds?
- College Student (20F) - what to do with 11k extra
- Acorns app askin for a pic of myself and my ssn, normal?
- Marijuana Investing 101 - Start with the Basics
- Anyone like USM at current levels?
- Transfering vs withdrawing Questrade TFSA?
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 02 Nov 2019 05:09 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:
Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq 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! [link] [comments]  |
| Should I cash out my stocks now, while my income is Zero? Posted: 02 Nov 2019 08:06 PM PDT I have $56,000 (+102%) in unrealized long term gains from stocks. I am currently in the military and normally make about $90k in taxable income. I am currently deployed for this year and my income is all tax free. I will only be taxed on 7k this year. From what I read, because my taxable income will be so low this year, if I cash out my stocks, I will pay 0% on those gains. Is this true? Are there special circumstances to make sure this works out? It would be better to pay 0% now, and push the money back into the market after 30 days to lock in the savings. Would save me about $8k. Do you advise I do this, or not? [link] [comments]  |
| Berkshire Profit Hits a Record as Buffett’s Cash Pile Grows Posted: 02 Nov 2019 07:00 AM PDT https://finance.yahoo.com/news/berkshire-profit-climbs-record-buffett-120912867.html (Bloomberg) -- Berkshire Hathaway Inc.'s operating profit jumped 14% to a record as Warren Buffett's conglomerate saw gains from its railroad and got some long-awaited earnings from Kraft Heinz Co. Operating earnings climbed to $7.86 billion in the third quarter as investment income rose and Berkshire's reinsurance group had the first underwriting profit in more than a year despite losses from a Japanese typhoon. Revenue climbed 2.4% on increases from the company's insurers and manufacturing businesses. The results pushed Buffett's cash pile to a record $128 billion, even as he completed a $10 billion investment in Occidental Petroleum Corp., his chunkiest purchase in more than year. Aside from that deal, Buffett was a net seller of stocks in the quarter and bought back less of Berkshire's own shares than some analysts expected, raising more questions over how long the legendary investor will wait to use his dry powder. [link] [comments]  |
| Why are bank savings account interest rates so low compared to 50 years ago? Posted: 02 Nov 2019 03:12 PM PDT When i was in junior high, my small town bank savings account at First National Bank paid 5.4% interest. I remember exploring opening a Swiss Bank account (i had great aspirations) and was disappointed it only got 4%. But both were above the rate of inflation. As George Bailey explained to me (It's a Wonderful Life), my bank lent the money to other people in my small town, who built houses and paid back interest, part of which, i would get! These rates would be unheard of in the 21st century. My current bank savings account pays .1% or less. Doesn't my bank still lend out money to build houses, then collect interest and give part of it to me? What happened? [link] [comments]  |
| Saudi Aramco ready to go public Posted: 03 Nov 2019 01:25 AM PDT https://www.bbc.com/news/business-50070823 Saudi Aramco is worth $1.2tn, according to analysis from financial news service Bloomberg, although Riyadh would prefer a valuation of $2tn, which is one reason the company's share sale has been delayed a number of times. Mr Beauchamp from IG Group says: "Aramco is a world away from the tech IPOs that have been all the rage lately, but the valuation problem still haunts them like it does the firms of Silicon Valley." [link] [comments]  |
| Posted: 02 Nov 2019 02:51 PM PDT I personally think UBER earnings in the coming week will send the stock into a tail spin. So I've bought some puts hoping to make a profit. However most analyst reports rate the company as a strong buy. Its almost like they are paid by UBER to write favorable research on them. What are your bear or bull case opinions? [link] [comments]  |
| Market Cap to GDP is all time high, is that a concern? Posted: 03 Nov 2019 01:43 AM PDT https://fred.stlouisfed.org/series/DDDM01USA156NWDB What are some implications of this? for example if inflation rise then the discount rate increases which is bad for stock but wages should also increase right? which would kinda cancel each other? Not sure, any economist on this sub to clarify this? [link] [comments]  |
| Anyone with an app or website for investing here in Europe?? Please to be safe and not a scam Posted: 03 Nov 2019 02:41 AM PST |
| Posted: 03 Nov 2019 01:25 AM PST it looks like recession talk is gradually gaining traction. So i was wondering. What are the arguments that people are saying a recession is on the way? and whats the opposite argument of people saying there wont be a recession? [link] [comments]  |
| Posted: 02 Nov 2019 06:10 AM PDT Risk to the housing market from underestimated climate change echoes lessons from the 2008 subprime-mortgage debacle — as does the chance to capitalize on these miscalculations. [link] [comments]  |
| Posted: 02 Nov 2019 02:59 PM PDT ... in Canada, And second largest in the world. Sounds like a good long term hold to me. Many things coming on the way. https://thedeepdive.ca/aphria-diamond-receives-cultivation-license/ [link] [comments]  |
| Are Housing Markets heavily affected by market cycles? Posted: 02 Nov 2019 05:06 PM PDT I'm trying to understand if the production of residential units slows down in times of economic downturn, can anyone provide me with any answers? I've tried looking it up but I cannot find a straight answer. I remember vaguely reading wood markets are cyclical because construction slows down but I cannot directly find a source that states housing markets or production of residential units slows down in recessions or depressions. [link] [comments]  |
| Posted: 02 Nov 2019 07:46 PM PDT And for those that may not be able to see the article because Barrons is like that: A debate over corporate accounting practices has emerged with the allegations brought by forensic accountant Harry Markopolos, who says that General Electric (ticker: GE) has been misrepresenting the health of its long-term care insurance business. GE has rejected his claims as "meritless." Others have said his analysis was simplistic. Accounting expert Robert Willens has some advice for investors who want to look deep into financial statements. "Investors should pay attention to the rate at which receivables are growing vis a vis the rate at which sales are growing," he tells Barron's. "An imbalance here can signal suspect sales." "Of course, an investor should monitor the inventory account. Growing inventories may signal that the company is misjudging the market for its products and that an inventory write-down is imminent." Okay but...why? Do they move in lockstep? I understand that there's going to be outliers where one moves ahead of the other in an egregious fashion so you have to look for consistent nonsense happening but why would receivables and sales move in tandem? Now to the second part of the question: I understand that if inventories goes up then COGS go up and revenues go down. If inventories go down then COGS go down and revenues go up (PLEASE CORRECT ME ON THIS IF I'M WRONG). What other accounting relationships do we need to be paying attention to as investors? [link] [comments]  |
| Posted: 02 Nov 2019 11:19 PM PDT |
| Gamestop is closing all stores in the Nordic countries. Posted: 02 Nov 2019 10:50 AM PDT Some articles are starting to come out in Norway and Sweden reporting that Gamestops employees have been notified that the company will shut down all stores in the Nordics during the next year. Article in Swedish: https://computersweden.idg.se/2.2683/1.725770/gamestop-lagga-ner-butiker Article in Norwegian referencing the above article: https://www.nettavisen.no/okonomi/spillkjeden-gamestop-legger-ned-alle-butikker/3423871988.html Story is developing. Computersweden reached out to GS a couple of days ago, but have not received any reply. GS does not have a PR responsible in the Nordics, so all contact go trough central. Edit 17:00 CET: Swedish article is saying that swedish employees have confirmed and that they have received an email about it, but the norwegian article states that the employees they have contacted have acted with surprise and abstained from commenting further. So some confussion as to what is happening and if this case is genuine or not. Neither site has been able to reach anyone further up the chain than the store managers. Source: https://np.reddit.com/r/Games/comments/dq2pkm/gamestop_is_closing_all_stores_in_the_nordic/ [link] [comments]  |
| What do you think of HYIH (Xtrackers High Yield Corporate Bond - Interest Rate Hedged ETF) Posted: 02 Nov 2019 03:20 PM PDT I think of putting 10% of my portfolio into bonds and specifically 5% of my portfolio into this Bond ETF: https://finance.yahoo.com/quote/HYIH?p=HYIH I'm 35. I plan to invest 5% of my portfolio in HYIH for 5+ years just to feel some safety and to play with BB-grade bond ETFs. What do you think are my risks with HYIH? What are some possible real bad scenarios (like loss of more than 10% of investment in a period of a year) for such investment? [link] [comments]  |
| What if the year you've been planning to cash out is when the next Great Depression hits? Posted: 02 Nov 2019 06:09 AM PDT I've always had this doubt. Sure, stock markets are fun, but we all know that they can wipe out years' worth of gains in a single day. Picture this: You decide to cash out at age 60, but then a Great Depression hits the markets at age 59. What will you do? It's worth considering that Wall Street took over 8 and 6 years respectively to recover from the dotcom bubble and the housing crisis. If that's the case with the next recession, it could seriously jeopardize your retirement plans, don't you agree? What's your plan if something like this happens? [link] [comments]  |
| Need Advice: Is this a good portfolio of fidelity mutual funds? Posted: 02 Nov 2019 06:25 PM PDT I'm 18 and I'm just messing around trying to learn fidelity and how to get a decent yearly return on the market. I have around 2k invested so far and I'm going to put in about $100-$200 per month for now. I'm not going to withdraw any money until I retire, but I will change the portfolio up over time. Is this a pretty good portfolio for high risk high returns? Fidelity® Select Software and IT Services Portfolio (FSCSX) - 20%Fidelity® Select Retailing Portfolio (FSRPX) - 20%Fidelity® OTC Portfolio (FOCPX) - 40%T. Rowe Price Health Sciences Fund (PRHSX) - 20%or do you guys think this is better, how I currently have my cash, Fidelity ZERO Large Cap Index Fund (FNILX) - 100% [link] [comments]  |
| College Student (20F) - what to do with 11k extra Posted: 02 Nov 2019 09:58 PM PDT Hello all! Throwaway account just in case any friends are looking, don't want to put my finances out there! SO I am a college student (sophomore) and I work part-time. I go to school for free, actually at this point I'm getting paid to go. I have numerous scholarships (academic) and financial aid (low-income single parent home so I wouldn't be able to afford it without). This year, I surprisingly got about 6k in refunds from all these things for the fall semester, and am looking at about 5.5k for spring, adding up to about 11k for one school year. This money is just in my savings account, which collects cents in interest every month, but I am NOT using it at all. Instead, I use the money from my part time job for everything I need like gas, insurance, phone bill, car repairs etc. (I pay everything for myself except rent since I live at home, I also give my mother $100 a month for groceries). My part time job makes me about $300 a month on average, but >600 on breaks, and much more in the summers when I am working full time, so I am still able to save a few hundred a month that I don't use. I also over the years have saved all my allowances/large random sums/other refunds in cash, so I am estimating I have about another 10k there. My problem with risking this money is that in 2 years, I will be applying to grad school. Applications to 20 schools will cost me 1-2k, then I need money for deposits/traveling for interviews. Then, when I get in, I cannot work but will need to move out. Of course, I will be taking out ~100k in student loans for tuition, and that covers the full 2 1/2 - 3 years of the degree, I will come out of it making ~90 - 120k a year, so I am not worried about paying off student debt. However, I will also need to pay rent/groceries/gas/etc during this time. Unfortunately, my mother cannot contribute to this in any way, even as a loan since she is such low income. I figure if I save now I can probably get enough for rent in these next 2 years for that time, but I'm not sure how risky I can go with these investments if I do that. That is what I wanted to ask: What should I be doing to maximize this 11k I will receive at the end of next spring? I'm looking at about a 2 year window, I won't be touching this money until then. My brother has told me about mutual funds and Robinhood, but I am still a bit confused. I am not sure how much of a refund I will be getting next year, but I am going to do everything I did this year to get a high amount! [link] [comments]  |
| Acorns app askin for a pic of myself and my ssn, normal? Posted: 02 Nov 2019 05:27 PM PDT I'm trying to sign up for acorns and it's asking me for a picture of my face and my social security document . Is this normal ? My friend also signed up but try didn't ask so I'm a little cautious (this is my first time signing up for a robo advisor). Thanks in advance [link] [comments]  |
| Marijuana Investing 101 - Start with the Basics Posted: 02 Nov 2019 04:57 PM PDT |
| Anyone like USM at current levels? Posted: 02 Nov 2019 04:39 PM PDT Missed earnings but slight beat on revs. At some point I'm possibly hoping someone buys then out. I don't could be a value trap I guess but maybe seems a touch under valued. [link] [comments]  |
| Transfering vs withdrawing Questrade TFSA? Posted: 02 Nov 2019 04:39 PM PDT Hello, Is it possible to transfer some money out of my Questrade TFSA into a TFSA in another institution without having to withdraw/re-contribute? I do not want to affect my contribution room but want to put some cash into a different investment outside QT. [link] [comments]  |
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