Tax Implications When Selling a Home for a Loss

Taxes after Selling for a LossSelling a home can make you feel like a weight has been lifted off your shoulders. When you no longer have to worry about the maintenance and upkeep of your home, you can also reduce worries about finances. Whether you have a house payment or not, there are still expenses to be addressed. Taxes and insurance can cost a lot depending on where you live, and when you want to sell you often have to do work on your home before you can do that. Overall, homes can be costly. When you reduce your costs and make your home more affordable it’s easier. But what about the tax implications of selling a house?

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Is It Your Personal Home?

According to the IRS, you can’t deduct a loss on the sale of your personal residence. It doesn’t matter how many years you lived there or how much you lost. If it’s your residence, the loss isn’t deductible. That’s very frustrating for a lot of people who bought when the market was high, because some of them have had to sell when the market was much lower. With that in mind, being sure that you know what your home is worth and what you can sell it for matters, but can be difficult to determine because the market is subject to change. The better deal you get when you buy, the lower the chances you’ll have to sell at a loss.

Do You Have Investment Properties?

When you have properties for investment, the rules are different. You can take a loss on those properties, because they aren’t your personal residence. An article in The Washington Post details information regarding investment homes and what you can come to expect from the IRS when you have to sell an investment home at a loss. In many cases, it’s much easier to write off losses that come from investment properties, as long as you can document those losses correctly. If you aren’t able to show your losses the right way, you may find that the IRS rejects what you’re trying to claim as a loss.

What Paperwork Do You Need?

If you sold a home in the last year, you’ll want to be able to show the IRS what you paid for it and what you sold it for, so you can make sure you don’t owe capital gains taxIf you took a loss on the home you won’t owe anything, but you likely won’t be able to claim that loss for any kind of deduction. Additionally, you’ll want to be careful about keeping paperwork from any investment properties, so you can claim any money you made and also show any true losses you had. Not all investment properties make money, and when you sell one at a loss you want to be able to prove that deduction.

Do You Need Professional Help?

A lot of investors choose not to look for professional assistance, but it varies from situation to situation. You should always speak to a financial advisor or accountant when dealing with tax implications. An accountant or legal professional familiar with what you’re doing can be a good choice, and can also help ensure that you have the right information to provide to the IRS when you’re claiming a loss on the sale of a house.

Toshiba may delay chip auction after widening sale to majority stake: Source

A man walks past the logo of Toshiba displayed at the company’s headquarters in Tokyo on February 14, 2017.

Behrouz Mehri | AFP | Getty Images

Toshiba may delay the sale of its prized flash-memory chip unit after the conglomerate said it would consider selling most, even all, of the marquee business, a person with direct knowledge of the matter said.

“It’s moving in that direction (of a delay),” the source said late on Wednesday, on condition of anonymity as the discussions weren’t public. As Toshiba’s plans for the sale have changed, “the bidders are having various thoughts.”

The TVs-to-nuclear conglomerate is scrambling for cash to stay in business as a multi-billion-dollar hole has emerged in recent months in its nuclear business.

 A man walks past the logo of Toshiba displayed at the company's headquarters in Tokyo on February 14, 2017.

Toshiba shares sank 9 percent on Wednesday after the company said it would book a $6.3 billion hit to its U.S. nuclear unit and would consider selling more than the originally planned stake of less than 20 percent of the flash-memory chip business.

Changing the rules of the chip auction, which sources have said has generated bids of 200-400 billion yen ($1.8-$3.5 billion), could push the sale beyond Toshiba’s planned deadline of the March 31 end of the business year, the source said.

Loosening the deadline would ease concerns about trying to hurry any antitrust reviews, increasing the number of potential buyers and potentially improving the offers, he said.

Toshiba has accepted that it may remain in negative net worth through the end of the business year, the source said, which could see its shares demoted to the second section of the Tokyo Stock Exchange. As a result, the source said, it would have to convince its lenders to keep the funds coming.

The result could also be a rethink of the whole auction as some bidders may now want management rights or have other responses to Toshiba throwing open the bidding to include a majority stake, he said.

The change of direction by Toshiba – facing a March 27 deadline to avoid a delisting – has prompted investors to question whether the company would have a long-term future without control of the unit and could well shake up the bevy of suitors interested in a piece of the world’s biggest NAND chip producer after Samsung Electronics.

“Usually in a corporate turnaround plan, the company would keep its most competitive business after selling non-performing businesses,” said Masayuki Kubota, chief strategist at Rakuten Securities

Shopping for Hard-to-Find Industrial Parts Online

Your local parts stores may carry a moderate selection of inventory. Even so, you may be hard pressed to find parts like flow controllers and other gear that you need for your machinery and factory equipment. Rather than improvise or face buying a brand new, expensive machine, you can save time and money when you search for these items online. You can shop the extensive inventory of industrial gear and parts on the website and filter your search by the information that you have available to you now.

Filtering Your Search

As knowledgeable as you may be about the industrial parts that you need now, you still may lack some identifiers that could pinpoint you directly to the items for which you are looking. To narrow your search as much as possible, you can include just one or two pieces of information and still be given a list of items that could suit your purposes.

For example, the website is set up so that you can use details like the part’s description or number to search for what you need. These details are just enough for the website to filter its inventory and provide you a list of parts that could match your search.

You can also use the OEM number if you have the information on hand. The OEM number can be used to pinpoint you to the parts that are made by the same manufacturer or brand. You may also discover universal parts that you can use in your machinery.

If you lack the numbers, descriptions, or brand names, you can still browse the available inventory on the website. The inventory link is found at the top of the page. You can click on it and find the full array of products that the online company has for sale.

Auction and Bidding

You may know exactly what you need, but only have a minute budget with which to buy it. When you want to save as much money as possible, you could use the eBay link found on the website.

This link allows you to find auctions for parts that you need and also allows you to place bids accordingly. Some auctions may also have a buy now option.

Finding parts that you need for your machines is easy when you shop online. You can use details to narrow your parts search.

Top Performing Smartphones That will Cost less than 10K!

The smartphone industry is surely facing a revolution of sorts where thousands of products are available in the market which makes it accessible to almost every segment of society. From phones as expensive as fifty grand to phones costing less than a few thousand, the smartphone arena has it all. One of the most top performing category is the budget friendly segment that is preferred by the masses. You can find a host of budget friendly phones with flipkart offers that help you get amazing prices on these thrilling phones.

Check out these top performing phones that will cost you less than 10,000:

Coolpad Note 3


The Coolpad Note 3 has some really good specifications looking at the price it charges. The phone has a stunning 5.5 inch HD display with stunning clarity and color representation. It runs on an Octa Core 1.3GHz Processor along with a 3GB RAM making it perfect for heavy duty handling. It offers a 13MP primary camera and a 5MP secondary camera to allow you to capture stunning photos under varying lighting. As for the memory, the phone has a 16GB internal memory along with a 64GB expandable memory support. With a 3000 mAh battery at its helm, the phone is surely worth every penny.

Lenovo K3 Note


Lenovo K3 Note is yet another brilliant phone offered by Lenovo that has broken major flash sale records. The phone offers a 5.5 inch Full HD Display which makes it stunning to play games, read books and view videos. The phone runs on an Octa Core 1.7 GHz Processor with a 2GB RAM for amazing multitasking options. It has a 13MP primary camera with Dual LED and a 5MP secondary camera to give you amazing results even in the dimmest of lights. It offers a 16GB internal memory along with 32GB expandable memory option to let you carry data wherever you go. With a 2900 mAh battery backup, 4G support and dual sim support, the phone surely is one of the best in this category.

Intex Aqua Power HD


Intex too has an amazing phone under the sub-10000 category which you will absolutely love. The Intex Aqua Power HD comes with a beautiful 5 inch screen and is just 9mm in thickness making it extremely easy to use. As for the internals, the phone runs on an Octa Core 1.4GHz Processor along with a 2GB RAM for amazing performance allowing you to freely multitask. With a 13MP Primary Camera and a 5MP secondary camera, the phone gives users amazing functionality in terms of a camera. When it comes to memory, the phone has a 16GB expandable memory which can be expanded to 32GB. With a 4000 mAh battery and dual sim, you get tons of functionality for long hours. Make use of Shopclues coupons to get amazing deals on this phone to avail it at a jaw dropping prize.

Asus Zenfone Max


The Asus Zenfone Max comes with some state of the art specifications for its price range. The phone has a mesmerizingly beautiful 5.5 inch HD display with Gorilla Glass Protection for amazing usage that will leave you addicted. It runs on a Quad Core 1GHz Processor along with a 2GB RAM that surely increases multitasking capability. The phone has a 13MP Primary camera along with a 5MP secondary camera with a Dual Color LED Flash to make even the dullest of photographs come alive. The phone has a massive memory option giving you 16GB internal memory which can be expanded to 64GB. With a gigantic 5000 mAh battery at its helm, you’re gifted with 37 hours talk time. This surely is an option worth considering in this price segment.

Be sure to check out these amazingly well performing phones that help you get the best in terms of technology at a price that easily suits your pocket.

Lenovo Vibe X3

Lenovo is best known for its slim and handy smartphones that promise some of the best features in the market. Lenovo also released some of the best smartphones in the market that have gained some very good popularity for its brand these days. The Vibe series, true to its name has given some good vibes to the Lenovo brand. Lenovo Vibe X3 was first released in the month of November 2015 and gained good reviews right away. It is one of the latest products from the home of Lenovo and is available in two standard color models, white and black.


Some smartphones are best known for their particular specifications and it could be said that Lenovo Vibe X3’s best feature is its attractive 5.5 inches LCD capacitive screen. The screen comes with a protective layer of Corning Gorilla glass 3 for scratch resistant operation. It supports 1080 x 1920 pixel quality, which is supposed to be of the HD range. The screen also supports multi touch facility for up to 10 fingers, which is the latest addition of technology in screens. Also, the entire body weighs around 175 grams, making it a light weight phone altogether.


Lenovo Vibe X3 is equipped with the latest 1.8 GHz dual core processor and another 1.44 GHz quad core processor, making it a smart phone with dual processing capabilities. This is seen in very few new smart phones and Vibe X3 is one among them. Armed with a qualcomm chipset, this phone promises the best experience of functionality to the user. Also, Lenovo Vibe X3 works on dual sim-card option supporting nano sim-card size. It also supports dual stand-by mode of operation. Vibe X3 works on the android operating system version 5.1 (Lollipop). Being a new phone, it is expected to roll out an upgrade to the next version 6.0 (Marshmallow) very soon. With the newest version of software and a fresh feel to the user interface, the phone gives out an amazing experience given that the screen is of awesome quality.

This smartphone comes with an internal memory capacity of 32 or 64 GB, for the user to choose from. The costs of the final product vary depending on the selection of the memory capacity by the user. Both the variants provide good amount of space for the user to store all kinds of media and files of his choice. There is an option to use the external memory too, which is expandable up to 128 GB. There is no separate dedicated slot for the memory card and it has to be inserted in the SIM 2 slot. This is seen as a minor drawback to those who want to use both the SIMs and the external memory. Lenovo Vibe X3 comes with a RAM of size 3 GB, which was expected from such an amazing phone. Since it runs on two different processors, a RAM of such size is expected. Also, the RAM functions absolutely fine with great support for multitasking and background applications.

The camera quality is yet another factor appreciable in this phone. The rear camera works at 21 MP quality along with some really good features like face detection, autofocus and dual LED flash. It also supports other features like geotagging, touch focus, panorama and HD picture capture. The front camera works great at 8 MP and is expected to capture clear images even at poor light conditions owing to its pixel support. This phone also supports HD video capturing and playback options.


Vibe X3 comes with a powerful non removable Li-Po 3600 mAh battery and is well known to provide an excellent back up time of 30 hours on 3G talk time mode. The battery is considered very powerful and true to its word, it provides the promised quality. The phone supports all connectivity features and comes with sensory features like the gyrometer, fingerprint sensor, accelerometer, compass and proximity sensor.

Vibe X3 is expected to be available for a price range starting at 20,000 rupees in the Indian market. Its main advantages include the processor, camera quality and its design. The body looks great with a fluidic look from all sides. It looks slim and with the curvy finishing on its edges, it is sure to look great in both its available color models. Its only disadvantage is the external memory card support that requires to be inserted in the SIM 2 slot.

This smartphone can be compared to some of its similar products like the Apple iPhone 6 and the Samsung Galaxy Note Edge, based on their price ranges. Even though iPhone costs more than Vibe X3, it provides almost same screen space but lesser camera quality. Note Edge is best known for its screen space but the body weighs more when compared to Vibe X3.

Lenovo Vibe X3 can be considered as a great piece in the present market conditions mainly because it is available for a reasonable price when compared to other phones. It provides the best specifications for its price and is expected to function at top quality range.

How to be a star share trader and get best return on investment?

If there is any mode of climbing the stairs to success, the only thing which comes to mind is online share trading which has opened up many new avenues for beginners and hardcore professionals alike. The question, on both the group of investor’s minds are although the same, “how do I get the best return on the investments, I make?” We shall answer this valuable question for you by presenting a few important concepts to you and you can mix and match this strategies to come up with an original plan every time to get great returns on your investments.

You are a beginner and you have just gotten yourself an online trading account with a reliable broker. Chances are that you are now looking forward to make your investments. The first thought which must be driving you insane is how to reap the maximum benefit from the investment. Before you go for the kill, we would say, examine the following options and take your pick to succeed in the game of trading.

Forex trading essentially comprises of merchandising currencies of various countries, made into pairs, each member referred to as “bull” and “bear”. Coming into existence in 1971 when global trade decided to shift gears from fixed exchange rates to floating exchange rates and now operates via making transactions between various market agents in a fixed currency unit of currency of any nation for the currency of another nation at a fixed exchange rate to which both the parties have mutually agreed.   However, it can be risky business for the amateurs who have little knowledge about predicting the Forex signals. It is best to take resort in a fx signal provider who will help you make the right decisions but will let you take over at times too, so that you can realize, if you are learning. Alice Blue is the perfect stock brokerage firm for you if you fit into the definition of the kind of amateur, we suggested.

Intraday trading enters and exits the market, on the same day. With a logical target and lesser risk margins, you can easily achieve your targets of getting maximum returns. With the smaller period, it becomes easier to track down your activities. The interesting aspect of intraday trading with forex is cutting down on the costs of fees for the brokers. This works especially well with firms which charge hefty margins.

Forex trading is a large avenue which, with its immense non-centralized nature has succeeded in leaving a significant impact, without any insider charges. It also implies that be it intraday trading or zero brokerage trading plan, there is no middle way. Either you win or you lose. Depending on the status of the market, with sheer observation you “play your plan”. While you hone your skills, we recommend you get hold of a reliable firm which shall keep your best interests in mind. With their transparency, Alice Blue is the best option, you can have.

Flawless Forex Currency Converter By XFR Financial Limited

Forex trading is unique and interesting, but you need to have a proper Forex currency converter in place to ensure the funds are being transferred as needed. If you don’t get your hands on a proper converter, you are never going to be able to get an accurate read on the funds you have in place. Let’s take a look at what you are going to get with a high-quality Forex currency converter with XFR Financial Limited and the value it is going to bring into your life right from the get-go.


Tired of having to wait around for the currency to be converted and for the rates to be applied properly? It is never fun to be in such a situation, yet many people do get stuck in such a rut without the right converter.


Go with XFR Financial Limited, the best, and you will realize what speed is all about. Quality control processes are in place to ensure the Forex currency converter works as required and is able to speed things up as well.


This is the perfect balance for those who want overall quality and want to make sure they are going with the right option.


Proven – XFR Financial Limited

It is proven to work and will provide significant results for those who are aiming to have their currency converted as soon as possible. Waiting around to have poor results come in should be a thing of the past for those who want a sure thing.


Go with a converter that has been around for a substantial amount of time and is going to deliver on all of its promises.


The days of going with something that is inaccurate and does not have a proven track record should be well behind you. The flawless option is always the best.


Safe Forex Currency Converter

It is safe and this is often one of the most important requirements when dealing with funds and wanting them converted accurately. There are far too many people who make the mistake of going with solutions that are not safe.


It is vital to sit down and take a look at all of the safe choices that are out there on the market for you to make the most of. Those who do this are going to see fascinating results while those who don’t are going to be stuck without a proper solution in place.


It is essential to sit down and take a glance at the quality on offer and XFR Financial Limited is a good choice.


The best Forex currency converter is about providing a complete package from top to bottom. When you begin to use the converter, it works seamlessly as required. There are no hitches along the way, which could trouble investors looking to get going towards bigger profits. It is essential to have the money dealt with appropriately and with the right converter, you will get this and more. Go with XFR Financial Limited and you will be rest assured of a safe process from beginning to end. This will save time and ensure you can focus on other things rather than currency conversion.

The 10 slowest economies in the world

Donetsk Ukraine Broken Car Automobile Vehicle Repair

Some countries bounced back relatively quickly after the global financial crisis, but others aren’t doing so hot.

“Worryingly, the stalled recovery in some high-income economies and even some middle-income countries may be a symptom of deeper structural malaise,” Kaushik Basu, the World Bank’s chief economist and senior vice president, wrote. “What is critical is for nations to use this window to usher in fiscal and structural reforms, which can boost long-run growth and inclusive development.”

We compiled a list of 10 countries with the slowest projected annual growth rate, or CAGR, from 2014 through 2017 based on the forecasts from the World Bank’s Global Economic Prospects.
10. Yemen
2015 GDP: -2.80%

2016 GDP: +2.80%

2017 GDP: +3.40%

2014-17 GDP CAGR: +0.90%

Economy: Yemen’s energy-dependent economy was burned by 2014’s oil crash, and the country is in the middle of a civil war.

“Yemen continues to face difficult long-term challenges, including declining water resources, high unemployment, severe food scarcity, and a high population growth rate,” according to the CIA Factbook.
9. Croatia
2015 GDP: +0.50%

2016 GDP: +1.20%

2017 GDP: +1.50%

2014-17 GDP CAGR: +0.70%

Economy: Croatia is one of the better off former Yugoslav republics, but its economy never fully recovered after 2008. GDP slipped by an estimated 0.4% in 2014, and the country is plagued by “stubbornly high” unemployment rate, uneven regional development, and continued reduced foreign investment.
8. Brazil
REUTERS/Nacho Doce
2015 GDP: -1.30%

2016 GDP: +1.10%

2017 GDP: +2.00%

2014-17 GDP CAGR: +0.47%

Economy: Brazil’s government attempted to pump up economic growth through targeted tax cuts for industry and incentives to fire up household consumption over the past few years. But the country’s fiscal and current account balances have disintegrated. On top of that, the 2014 World Cup was a huge strain on the economy.


7. Serbia
Reuters/STR New
2015 GDP: -0.50%

2016 GDP: +1.50%

2017 GDP: +2.00%

2014-17 GDP CAGR: +0.29%

Economy: Serbia, whose GDP fell an estimated 1.8% in 2014, suffers from high unemployment and stagnant household incomes. However, structural reforms have been delayed since the global financial crisis.

Additionally, the former Yugoslav republic faces longer term challenges such as high levels of corruption, an aging population, and an inefficient judicial system.
6. Russia
2015 GDP: -2.70%

2016 GDP: +0.70%

2017 GDP: +2.50%

2014-17 GDP CAGR: +0.26%

Economy: Russia’s economy is largely dependent on energy, so the country struggled as oil prices dropped in 2014.

Although Moscow adjusted its budget to reflect the lower oil prices, it also increased military spending, which many economists believe will be problematic. Structural issues and heavy state inference in the private sector may also hurt the country.

5. Saint Lucia
Shutterstock/Jackie Smithson
2015 GDP: -0.60%

2016 GDP: +0.80%

2017 GDP: +1.40%

2014-17 GDP CAGR: +0.15%

Economy: Saint Lucia’s tourism-dependent economy never fully recovered after tourism drastically slowed following the financial crisis. (Even airlines slashed the number of flights there.) Saint Lucia’s heavy reliance on tourism makes it vulnerable to off seasons when the global economy slows.
4. Belarus
Reuters/Vasily Fedosenko
2015 GDP: -3.50%

2016 GDP: -1.00%

2017 GDP: +1.00%

2014-17 GDP CAGR: -0.50%

Economy: Belarus’ economy is heavily integrated with Russia’s — so as the Russian economy suffered in 2014, so, too, did Belarus’. Notably, Belarus seems to want to improve relations with Europe without turning away from Russia, meaning they’re not approaching this from an “either only Europe or only Russia” point of view.
3. Libya
Bob Strong/Reuters
2015 GDP: +0.50%

2016 GDP: +15.00%

2017 GDP: +10.90%

2014-17 GDP CAGR: -0.65%

Economy: Libya’s GDP crashed in 2014, dropping by 24%. The country generates a huge amount of money from energy. However, the government failed to invest the revenues in a way that developed the economy.

Libya’s economy has been extremely volatile since 2011’s revolution. In 2014, GDP plunged by 24% after major protest disruptions at Libyan oil ports and around the country.
2. Venezuela
2015 GDP: -5.10%

2016 GDP: -1.00%

2017 GDP: +1.10%

2014-17 GDP CAGR: -2.28%

Economy: Venezuela also heavily relies on oil (which account for roughly 96% of export earnings, or around 12% of the GDP), so its economy got hit as oil plunged.

Additionally, “government spending, minimum wage hikes, and improved access to domestic credit created an increase in consumption which combined with supply problems to cause higher inflation — roughly 20% in 2012 and rising to more than 56% in 2013 and 60% in 2014,” according to the CIA Factbook.
1. Ukraine
Maxim Shemetov/REUTERS
2015 GDP: -7.50%

2016 GDP: +2.00%

2017 GDP: +3.00%

2014-17 GDP CAGR: -2.45%

Economy: Ukraine’s economy was hit hard during the financial crisis, finally rebounded in 2010, and then imploded after Russia annexed Crimea. (GDP fell by 6.8% in 2014.)

Political corruption and inefficient reforms continue to hold back the country from moving forward.

Here’s why the IPO market is heating up

Employees and sellers of the online marketplace Etsy stand with CFO Kristina Salen on the floor of the Nasdaq as the company went public on April 16, 2015.

The IPO market is finally starting to get going, and next week will be the biggest week of the year. Roughly 14 companies are slated to go public and will likely raise north of $2 billion.

It’s been a lackluster start. There’s been 82 IPOs this year, about 40 percent below where we were last year.

Why is the market finally heating up? The single most important factor is positive returns for investors. With the overall market relatively healthy, IPOs have also done well. The Renaissance Capital IPO ETF, a basket of roughly 60 recent IPOs, is approaching its April historic high.

For others, there may be a simple calculation that now is the time to take the company public, before the Fed begins raising rates later this year.

The upshot: June could be one of the biggest months for IPOs in years. Perhaps as many as 34 will price, the most in a single month since 1999.

“It’s like somebody pressed the IPO reset button,” Kathleen Smith from Renaissance Capital said.

What’s impressive about next week’s crop of IPOs is the breadth of the offerings. There’s something for everyone.

The biggest deal of the week will be TransUnion, the giant credit analysis company, with a $650 million offering, one of the largest of the year.

But there’s a lot more. One of the most interesting is Milacron Holdings, which makes plastics processing equipment. I can’t remember the last time I saw an IPO for a company in the capital equipment space. The company has emerged from a 2009 bankruptcy filing.

There’s also Wayne Farms, a broiler-chicken processing company that supplies chickens to Chic-fil-A, Costco, and others.

Not surprisingly, there are three cloud-computing companies:

  1. (home security)
  2. AppFolio (rental property management)
  3. Xactly (employee and sales performance management)

There are four health-care firms, including two biotechs:

  1. Glaukos (glaucoma treatment products)
  2. Catabasis Pharmacuticals (technology for improving drug efficacy)
  3. Seres Therapeutics (microbiome therapeutics)
  4. Lantheus Holdings (diagnostic medical imaging agents)

And finally, there’s a surprise, with three energy-related companies:

  1. Green Plains Partners (ethanol and fuel-storage tanks)
  2. CNX Coal Resources (Coal MLP, with 10 percent dividend!)
  3. Gener8 Maritime (seaborne crude-oil transportation).

I say a “surprise” because energy stocks, which were a hot space in 2014 (particularly Master Limited Partnerships, or MLPs), have all but evaporated this year.

Also on the docket: Sungard, an accounting and software firm with $2.8 billion in sales, and Blue Buffalo, the largest maker of all-natural dog and cat food.

Go ahead and laugh about all-natural pet food, but the company has $940 million in sales. It filed nine days ago, which means it has a shot of going public in the next few weeks.

Why aren’t the markets worried about Greece?

A protester holds an EU flag during a pro-European demonstration in front of the Greek parliament in Athens on June 18, 2015.


Why aren’t the markets worried about Greece?

I have said for some time that the consequences of Greece leaving the euro zone may be far greater than anyone realizes, but the market thinks otherwise.

The German stock market is rallying today, and is flat on the week. European markets are down only about 1 percent for the week. European bond yields are up, but not too dramatically. The S&P 500 is up 1.3 percent this week, and the CBOE Volatility Index is near the lowest levels of the year.

I’ve had many discussions with analysts and traders about this seeming indifference. Opinions vary, but there are four factors that show up in everyone’s list to explain the phenomenon:

1) Fatigue: After five years of crisis, everyone is over it.

2) Complacency: Most feel that a deal will be made, even if it is just a “kick the can” deal.

3) No contagion: Traders believe the European Central Bank when it said it would do “whatever it takes” to keep the euro together.

4) Containability: Finally, even if Greece leaves the euro, many have now convinced themselves the damage could be contained. Peripheral bond yields are only modestly elevated, with Spanish 10-year yields, for example, is at 2.24 percent.

Meanwhile, China’s domestic stock markets show signs of slowing down, finally. The Shanghai Composite is down 6.4 percent, and the Shenzhen fell 5.9 percent. Both are down roughly 13 percent for the week.

It’s about time. Despite the decline, the Shenzhen stock market—which consists mostly of younger, tech-oriented companies–is still up 94 percent for the year.

Despite all the talk about opening up the Chinese stock market to outside investors through the Shanghai-Hong Kong stock link, this monster rally is almost entirely a domestic matter. Since November, there has been an explosion of new brokerage accounts in China. There were 4 million new brokerage accounts opened in March alone. Unlike U.S. and other developed markets, China’s stock market is driven largely by individual investors who hold stocks for a very short period of time. They get in fast and get out fast.

With millions of new first-time investors entering the market in the last six months or so, and with the Shenzhen up nearly 100 percent, it’s surprising no one that the market has gotten more volatile. First-time investors suddenly sitting on big profits, then suddenly seeing the market down more than 10 percent, are very likely to panic.

Two other factors affecting sentiment are a flood of new IPOs, and further moves to tighten margin financing.