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Thanks, Robert! I'm not trying to get the option premium taxed at a lower rate. I am actually not trying for any premium at all (although on some of them I might get a few pennies). I'm just trying to protect the underlying share value for a year or two. That way I can sell the shares over...

Hello, Does anybody know a free website that calculates the RSI on a stock? You enter the simple, it outputs the RSI number. Marketvolume.com makes you sign up after about 10 lookups.

Roth is great! But they only allow you to contribute about $5000 or so per year. It would be great if they let you put more in. Even $7000 instead of $5000 would be great.

Hello, Suppose you have held a stock/etf for about 9 months. You are happy with the gains, but you don't want to sell immediately. You want to get to 12 months' hold time so you can get taxed at the capital gains rates rather than the ordinary income rate. I was thinking you could put a...

Self-employed 401k... like this: http://money.cnn.com/retirement/guide/selfemployment_individual401k.moneymag/index3.htm?iid=EL

Thanks... got it now!

Thanks. I got it now.

Definitely! I always have an accountant do my taxes. Money well spent.

I got it now... thanks! The entire input amount to the 401k has to get taxed. I was taxing only the capital gains portion.

I *am* including the income tax (to emphasize, I put caps lock extra words in to show that the income tax is paid): Start: 1200 End: 1881 capital gain = 1881 - 1200 = 681 capital gain TAXED AT ORDINARY INCOME TAX RATE OF 25 PERCENT= .25(681) = 170.25 penalty on capital gain = .1(681) = 68.1...

Where is the math not correct? Also, apparently you can actively trade in a 401K (unless zacks is wrong): https://finance.zacks.com/can-invest-401k-day-trading-6562.html Where the zacks article falls short is that it assumes you need the money right way... you are living off of your short-term...

Assume a 25% income tax bracket. Remember these are *short term* trades only!!! A few months at most. If you do these trades in a non tax-protected account, you have to pay 30% each time on every capital gain. Every year, your base capital gets chipped away at. That makes it hard for your...

Hello, Short-term trades are taxed at ordinary income. But if you have a 401k, you don't have to pay taxes on capital gains until you withdraw. The IRS code says if you withdraw money from a 401k before retirement age, you have to pay a 10% penalty on top of the regular tax. But this...

Hello, I'm reading asset allocation books (from a USA investor perspective). They say to buy some international ETFs. Do I have to worry about currency rates? I think the dollar is of intermediate strength right now. I would reason that I should buy international ETFs when the dollar is...

Thanks!

Thanks! This is great.

Hello, I see a lot of nice ETFs. I don't see the harm in buying 8 or maybe even 20 of them, rather than putting it all in the S&P 500. If the ETFs are reasonably distributed across geographies, value, growth, small cap, large cap, add in a few sectors of interest that are doing well... what...

Hello, I'm really liking iShares etfs. Does anybody have opinions on them? Thank you.

I don't need the cash anytime soon. I can go higher than 60% equities. I'm just wondering within your equities percentage, how much is too much for the S&P. Warren Buffet says many people can simply put 90% in the S&P and 10% in fixed income/cash. But many portfolio authors talk about...

Trading the S&P with long-term moving average... are you talking about technical analysis and switching funds when the technicals start to look negative? I was planning to use ETFs as buy/hold/rotate/rebalance. There can be tax inefficiency if you switch funds a lot. The taxes will be income...