Category Archives: Money

Investing in Gold without actually buying physical Gold

Posted on October 16, 2012 by Siddharth Jain

Which Gold ETF Is Right For You? GLD vs. IAU vs. SGOL POSTED ON AUGUST 3, 2012 BY JARED CUMMANS For the past few decades, gold has been one of the most popular commodities, as there are those who swear … Continue reading →

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Notes on NRI accounts

Posted on October 14, 2012 by Siddharth Jain

1. NRE account gives handsome interest rate. The interest is not taxable in India, but will be taxed in US (to confirm). Most important thing to keep in mind is that the investment & returns are subject to rupee/dollar currency … Continue reading →

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Mortgage Rates: truth about The Real Rate vs. The Advertised Rate

Posted on August 9, 2012 by Siddharth Jain

Real Rate vs. Advertised Rate The mortgage industry cheats consumers by advertising a lower interest rate, than what is actually charged. If is the advertised rate, then the real rate you end up paying is e.g. taking for a 3.375% … Continue reading →

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Rate of Inflation of Gas

Posted on June 27, 2012 by Siddharth Jain

Raw Data: http://www.randomuseless.info/gasprice/gasprice.txt Model: where is the rate of inflation. This can also be written as: Given series of data points construct cost fn. Need to find and that minimize . Simplify above two equations to ….(1) and ….(2) where … Continue reading →

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Form W8-BEN

Posted on August 11, 2011 by Siddharth Jain

When returning to india, you should file a form W8-BEN with your 401(k) and IRA custodian. The only tricky part is a line which should read: I am claiming provisions of article 20 of US-India tax treaty to claim 0% … Continue reading →

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To rebalance or not to rebalance

Posted on February 25, 2010 by Siddharth Jain

I have not been able to understand the concept of rebalancing in investing. To me its a form of the gambler’s fallacy. Let: s_n = stock price at time n s_{n+1} = stock price at time n+1 Then, if E[s_{n+1}|s_n=c] … Continue reading →

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