سألت الوسيط الأمريتريد سبعة أسئلة في أسبوعي الأول من تداولي معهم وهذه أجوبتهم باختصار. والنص الإنكليزي في الأسفل لمن أراد التوسع.
س1: كم عدد العمولات المجانية التي أحصل عليها من قبلكم؟
ج1: ستحصل على 30 عمولة مجانية تبدأ بعد تمويل حسابك لمدة شهر.
س2: هل العمولة فقط 10.99$؟
ج2: نعم بغض النظر عن عدد الأسهم أو سعر السهم.
س3: عندما يكون المبلغ في محفظتي أكثر من 25.000$، هل أستطيع أن أكون مضاربا يوميا ولا خوف علي من تجميد حسابي؟
ج3: لا تستطيع ما دام حسابك هو كاش، فلن يتم إيداع ما بعت في محفظتك إلا بعد ثلاثة أيام عمل وفق تعليمات الهيئة الاحتياطية الفدرالية.
س4: وإن كان في محفظتي أقل من 25.000$؟
س4: نفس إجابة السؤال السابق وأعطاك مثال: بامكانك الشراء ثم البيع وبعد البيع انتظر ثلاثة أيام حتى يدخل المبلغ في محفظتك. فلو اشتريت قبل وصول المبلغ ولم يكن لديك رصيد كاف لتغطية ما سوف تشتريه سوف يتم تجميد حسابك لمدة 90 يوما.
س5: لماذا لا تنبهون عملائكم قبل تجميد حساباتهم؟
ج5: نحن نوضح للعميل كم لديه من مبلغ متوفر للتداول في محفظته .available for trading ولكن العميل يتحمل المسئولية إذا قام بعملية تداول قبل ثلاثة أيام.
س6: لماذا لا يكون عندكم موظفون عرب يردون على استفسارات عملائكم العرب؟
ج6: نحن نعتذر عن عدم وجودهم.
س7: أنا من بلاد الحرمين وقمت بتعبئة نموذج W-8BEN ، فهل ستأخذون ضرائب مني؟
ج7: بلادك معفاة من الضرائب وفق اتفاقية.
1. Our records indicate you accepted our current market offer of 30
commission-free Internet equity trades valid for the first 30 days after
account funding. These trades were added to your account on 11/08/04. At
this time you have used 3 of these trades. The remaining 27 will expire
on 12/13/04.
2. COMMISSION SCHEDULE:
The commission schedule applies to equity orders regardless of the
share price or number of shares traded. Ameritrade offers the same
commission rate for all US exchanges (NYSE, NASDAQ, & AMEX).
STOCKS:
$10.99 Internet
$14.99 IVR System
$24.99 Phone Broker Market (Stop & limit orders $5 extra)
MUTUAL FUNDS:
$17.99 Buy, sell, or exchange no-load funds
$17.99 Sell or exchange load funds
No Fee Buy load funds
OPTIONS:
Internet - $10.99 plus $1.50 per contract
IVR System - $14.99 plus $1.50 per contract
Broker Assisted - $24.99 plus $1.50 per contract (Market)
$29.99 plus $1.50 per contract (Limit, Stop, Stop limit)
Option exercises and assignments will incur a $29.99 commission.
BONDS:
1-50 Bonds $5.00 per Bond
50+ Bonds $2.50 per Bond
(Minimum commission of $40.00)
Orders executed in multiple lots on the same trading day will be
charged a single commission. When an order is partially executed over
multiple trading days, the order is subject to a separate commission charge
for each trading day.
3. Our records indicate your account is a cash account. Due to Federal
Reserve Board regulations, in a cash account, when you purchase a stock
it takes trade day plus three business days for that buy to settle. In
that three day period, you can sell the stock. The funds from that
sell, however, will not be released for trading until the third business
day from the purchase. This means you will not be able to buy and
sell the same stock repeatedly in your account. You must wait for trade
settlement before you will be able to invest in another stock or withdraw
your funds. This Federal regulation does not apply to margin accounts.
To upgrade your account for margin and trading options, you will need
to complete a Margin/Options Account Upgrade Form. This form can be
found by clicking on the "Request/Upgrade Options Privileges" link, under
the "Update an Existing Account" section of the "Account Services"
page. You may fax the completed and signed form to 816-243-3769 or mail it
to the address provided below.
Ameritrade
PO Box 2209
Omaha, NE 68103-2209
Margin Approval Only
As a time saving alternative, please note that if you are applying for
margin only, you may submit your application online. You will find
this online form by logging into your account and accessing the Account
Services page. Once on the Account Services page, please access the
"Request Margin Approval - (Online Form)" link, located under the "Update
an Existing Account" heading.
4. The Federal Reserve Board (FRB) generally requires clients to make
full cash payment when purchasing securities in cash accounts. The
requirement of "full cash payment" is met by the use of settled funds, i.e.
cash on deposit or the proceeds from the sale of a fully paid for
security. Securities transactions generally settle three business days
after the trade date. Options generally settle one business day past the
trade date, while mutual fund trades vary according to the fund itself.
Pursuant to interpretative guidance issued by the staff of the Federal
Reserve Board under Regulation T, brokerages must monitor cash accounts
to ensure that clients are not making a practice of purchasing
securities without making full cash payment as defined above. These rules
apply to all cash accounts, including IRA and custodian accounts.
For example:
At the beginning of the day, a client holds $10,000 cash in a cash
account. The client then makes the following transactions:
- The client buys a position in Company A for $10,000, applying the
$10,000 in cash to pay for the purchase.
- The client then sells that position in Company A and nets $10,000 in
sale proceeds.
- Next, before the purchase in Company A settles, the client buys a
position in Company B for $10,000 with funds that have not yet been
received in the account (i.e., unsettled funds).
Under the Federal Reserve Board Staff guidance, brokers are prohibited
from permitting clients from making a practice of using unsettled funds
to purchase securities. As a result, the buy of shares in Company B
with unsettled funds will not be permitted because the client does not
have cash in the account on trade date to pay for that purchase.
If a client purchases before settled funds are available, the brokerage
may restrict future purchases for a 90-day period to the cash available
in a cash account on trade date In addition, trades that are placed
without adequate funds in the cash account may be canceled without
notice.
5. Typically, our systems will not allow a client to place a trade
unless the funds have been made available for trading. Ameritrade accounts
are self-managed, and it is the client's responsibility to ensure funds
are available for trading before they attempt to place a trade.
6. At this time, Ameritrade is only able to communicate with our
clients via e-mail in English. We apologize for any inconvenience caused by
this issue.
7. You can research business field information on our new site by
clicking the Go to the New Site link found on your trading home page. Next,
click the Trade drop down menu and select S&P Stock Reports. Enter the
company ticker symbol in the Symbol field and click Get Report.
8. Income earned from U.S. sources (such as dividends and interest
from U.S. companies) that is received by a nonresident alien is subject to
a statutory 30% withholding rate. Residents of certain foreign
countries may be entitled to reduced rates under a tax treaty between their
country of residence and the United States.
Our records indicate that Saudi Arabia does not have such a treaty, so
any U.S. source income earned would be withheld at the rate of 30% for
dividends and 30% for interest earned.
For further information regarding this withholding rate, please refer
to Publication 515, Withholding of Tax on Nonresident Aliens and Foreign
Entities. This publication can be found at www.irs.gov, the IRS's Web
site.
س1: كم عدد العمولات المجانية التي أحصل عليها من قبلكم؟
ج1: ستحصل على 30 عمولة مجانية تبدأ بعد تمويل حسابك لمدة شهر.
س2: هل العمولة فقط 10.99$؟
ج2: نعم بغض النظر عن عدد الأسهم أو سعر السهم.
س3: عندما يكون المبلغ في محفظتي أكثر من 25.000$، هل أستطيع أن أكون مضاربا يوميا ولا خوف علي من تجميد حسابي؟
ج3: لا تستطيع ما دام حسابك هو كاش، فلن يتم إيداع ما بعت في محفظتك إلا بعد ثلاثة أيام عمل وفق تعليمات الهيئة الاحتياطية الفدرالية.
س4: وإن كان في محفظتي أقل من 25.000$؟
س4: نفس إجابة السؤال السابق وأعطاك مثال: بامكانك الشراء ثم البيع وبعد البيع انتظر ثلاثة أيام حتى يدخل المبلغ في محفظتك. فلو اشتريت قبل وصول المبلغ ولم يكن لديك رصيد كاف لتغطية ما سوف تشتريه سوف يتم تجميد حسابك لمدة 90 يوما.
س5: لماذا لا تنبهون عملائكم قبل تجميد حساباتهم؟
ج5: نحن نوضح للعميل كم لديه من مبلغ متوفر للتداول في محفظته .available for trading ولكن العميل يتحمل المسئولية إذا قام بعملية تداول قبل ثلاثة أيام.
س6: لماذا لا يكون عندكم موظفون عرب يردون على استفسارات عملائكم العرب؟
ج6: نحن نعتذر عن عدم وجودهم.
س7: أنا من بلاد الحرمين وقمت بتعبئة نموذج W-8BEN ، فهل ستأخذون ضرائب مني؟
ج7: بلادك معفاة من الضرائب وفق اتفاقية.
1. Our records indicate you accepted our current market offer of 30
commission-free Internet equity trades valid for the first 30 days after
account funding. These trades were added to your account on 11/08/04. At
this time you have used 3 of these trades. The remaining 27 will expire
on 12/13/04.
2. COMMISSION SCHEDULE:
The commission schedule applies to equity orders regardless of the
share price or number of shares traded. Ameritrade offers the same
commission rate for all US exchanges (NYSE, NASDAQ, & AMEX).
STOCKS:
$10.99 Internet
$14.99 IVR System
$24.99 Phone Broker Market (Stop & limit orders $5 extra)
MUTUAL FUNDS:
$17.99 Buy, sell, or exchange no-load funds
$17.99 Sell or exchange load funds
No Fee Buy load funds
OPTIONS:
Internet - $10.99 plus $1.50 per contract
IVR System - $14.99 plus $1.50 per contract
Broker Assisted - $24.99 plus $1.50 per contract (Market)
$29.99 plus $1.50 per contract (Limit, Stop, Stop limit)
Option exercises and assignments will incur a $29.99 commission.
BONDS:
1-50 Bonds $5.00 per Bond
50+ Bonds $2.50 per Bond
(Minimum commission of $40.00)
Orders executed in multiple lots on the same trading day will be
charged a single commission. When an order is partially executed over
multiple trading days, the order is subject to a separate commission charge
for each trading day.
3. Our records indicate your account is a cash account. Due to Federal
Reserve Board regulations, in a cash account, when you purchase a stock
it takes trade day plus three business days for that buy to settle. In
that three day period, you can sell the stock. The funds from that
sell, however, will not be released for trading until the third business
day from the purchase. This means you will not be able to buy and
sell the same stock repeatedly in your account. You must wait for trade
settlement before you will be able to invest in another stock or withdraw
your funds. This Federal regulation does not apply to margin accounts.
To upgrade your account for margin and trading options, you will need
to complete a Margin/Options Account Upgrade Form. This form can be
found by clicking on the "Request/Upgrade Options Privileges" link, under
the "Update an Existing Account" section of the "Account Services"
page. You may fax the completed and signed form to 816-243-3769 or mail it
to the address provided below.
Ameritrade
PO Box 2209
Omaha, NE 68103-2209
Margin Approval Only
As a time saving alternative, please note that if you are applying for
margin only, you may submit your application online. You will find
this online form by logging into your account and accessing the Account
Services page. Once on the Account Services page, please access the
"Request Margin Approval - (Online Form)" link, located under the "Update
an Existing Account" heading.
4. The Federal Reserve Board (FRB) generally requires clients to make
full cash payment when purchasing securities in cash accounts. The
requirement of "full cash payment" is met by the use of settled funds, i.e.
cash on deposit or the proceeds from the sale of a fully paid for
security. Securities transactions generally settle three business days
after the trade date. Options generally settle one business day past the
trade date, while mutual fund trades vary according to the fund itself.
Pursuant to interpretative guidance issued by the staff of the Federal
Reserve Board under Regulation T, brokerages must monitor cash accounts
to ensure that clients are not making a practice of purchasing
securities without making full cash payment as defined above. These rules
apply to all cash accounts, including IRA and custodian accounts.
For example:
At the beginning of the day, a client holds $10,000 cash in a cash
account. The client then makes the following transactions:
- The client buys a position in Company A for $10,000, applying the
$10,000 in cash to pay for the purchase.
- The client then sells that position in Company A and nets $10,000 in
sale proceeds.
- Next, before the purchase in Company A settles, the client buys a
position in Company B for $10,000 with funds that have not yet been
received in the account (i.e., unsettled funds).
Under the Federal Reserve Board Staff guidance, brokers are prohibited
from permitting clients from making a practice of using unsettled funds
to purchase securities. As a result, the buy of shares in Company B
with unsettled funds will not be permitted because the client does not
have cash in the account on trade date to pay for that purchase.
If a client purchases before settled funds are available, the brokerage
may restrict future purchases for a 90-day period to the cash available
in a cash account on trade date In addition, trades that are placed
without adequate funds in the cash account may be canceled without
notice.
5. Typically, our systems will not allow a client to place a trade
unless the funds have been made available for trading. Ameritrade accounts
are self-managed, and it is the client's responsibility to ensure funds
are available for trading before they attempt to place a trade.
6. At this time, Ameritrade is only able to communicate with our
clients via e-mail in English. We apologize for any inconvenience caused by
this issue.
7. You can research business field information on our new site by
clicking the Go to the New Site link found on your trading home page. Next,
click the Trade drop down menu and select S&P Stock Reports. Enter the
company ticker symbol in the Symbol field and click Get Report.
8. Income earned from U.S. sources (such as dividends and interest
from U.S. companies) that is received by a nonresident alien is subject to
a statutory 30% withholding rate. Residents of certain foreign
countries may be entitled to reduced rates under a tax treaty between their
country of residence and the United States.
Our records indicate that Saudi Arabia does not have such a treaty, so
any U.S. source income earned would be withheld at the rate of 30% for
dividends and 30% for interest earned.
For further information regarding this withholding rate, please refer
to Publication 515, Withholding of Tax on Nonresident Aliens and Foreign
Entities. This publication can be found at www.irs.gov, the IRS's Web
site.
