Tag
investing
4 posts
- Can You Store It, Show It, Sell It? What the Terms of 29 Market Data Sources AllowI read the terms pages of 29 US market data sources. Ten let you store, show and commercially use their data, and every one of those is public-domain data. None of the nine price APIs lets you show prices to your users on a self-serve plan.
- Does Canada really have no estate tax? The real gap between the two countries' death taxesCanada has no estate tax but it has deemed disposition: every unrealised gain is taxed at once on the final return, and an RRSP is included at 100%. The US has step-up in basis and a $15 million exemption. Four household scenarios with the bill worked out, plus a trap few people know about: a Canadian holding more than $60,000 of US stocks has a US estate-tax filing obligation.
- Hong Kong participating insurance, taken apart: structure, commissions, sales scripts, and how it compares to just investingThe guaranteed part is about 1%; the illustrated 6 to 7% only approaches after twenty or thirty years, and break-even usually takes 15 to 20. First-year commissions once reached 100% of first-year premium. It does not escape CRS reporting and is not a compliant way to move mainland renminbi offshore. All of that laid out, then compared with term life and an index fund.
- The Coca-Cola "Dividend Arbitrage" Is an IllusionBuy before the ex-dividend date, sell after, and pocket the dividend for free? The price drops by the dividend amount on the ex-date. The people claiming they made a thousand dollars in a few days made it on the share price — and the post is usually an ad for tokenized stock.