0
votes
0answers
3 views

Why don't tech startup founders in America go somewhere cheaper?

I know this question is a bit specific, but hear me out! I'm a software developer in NYC. It's really expensive to hire engineers in America, and I'm wondering why startups just start off by hiring ...
2
votes
2answers
117 views

Lender refuses to terminate PMI despite my LTV being less than 78%

My lender, US Bank, is refusing to terminate my PMI even though I am now below the 78% loan to value ratio. We've been perfect customers and have never missed a payment. Their reasoning is that they ...
0
votes
0answers
14 views

Late payment of estimated taxes

I live in the United States, this is my first year paying estimated income tax and I've missed the first two voucher deadlines. My question is should I mail them now (late) and send each one ...
0
votes
1answer
31 views

Advice re claiming money back

My son took out a loan to pay for a a course, the course provider has now gone into administration. My son is still paying for the loan for a course he cant access. My question is - has he any ...
1
vote
0answers
16 views

Do I repay Social Security Disability Insurance (SSDI) if I suddenly have income and assets

I have four chronic disabling diseases and have received Social Security Disability Insurance (SSDI) for 10 years. If I suddenly own a home and income property, must I repay social security? If so, ...
0
votes
1answer
24 views

Stock Options for a company bought out in cash and stock

I have 3 options in july for the $195 call strike. The company was just bought out for $235 dollars which was $125 cash and the rest in stock. What is my option worth since part of it is in the other ...
0
votes
1answer
36 views

How To Interpret Share Prices?

During conversation shares in Google came up as a topic. Out of interest I Googled the share price for Google and was presented the following: Google Inc. (GOOG) -NasdaqGS 523.40 My ...
0
votes
0answers
42 views

Can a tax be legitimately charged on an airline ticket refund?

I cancelled an airline ticket (non US) and the refund voucher shows and approx. 5% of refund value deducted under the heading of a "Tax". Can this make sense under any jurisdiction? I am curious. ...
-2
votes
0answers
28 views

Russian Hackers, Brokerage Accounts [on hold]

So i need some help. I am a criminal justice student and have been assigned to write a legal critique on a case from the early 2000's where a Russian hacker gained access to people's brokerage ...
0
votes
3answers
59 views

If I was to buy something a day before my due date for my credit card bill, would I be charged interest?

First of all, I am a resident of Canada. I am sort of new to credit cards, so I hope my question makes sense. I've had my card for a few months ago and I've always payed the balance in full by the ...
0
votes
0answers
17 views

New TD D-Series funds: are they worth considering (unknown expense ratios)?

I am currently a holder of TD's e-Series funds in my investment portfolio. However, the other day, I came across a new series of funds offered by TD: D-Series funds. From what I can tell, the funds ...
3
votes
1answer
66 views

Is it possible to be subject to cash withdrawal even if you don't use ATM?

Some companies offer using credit card for paying rent for an extra fee, or some other big-charge transactions that you might traditionally be required to pay for through ACH, a personal check and/or ...
1
vote
1answer
15 views

How to calculate after-tax return if investor can use capital loss, in Canada?

[Source:] As you can see in the table, the $105,000 government bond matures at $100,000, for a capital loss of $5,000. The investor would also collect interest totalling $9,660 over the three years ...
1
vote
1answer
8 views

Can PPF be withdrawn by NRI or Overseas Citizen of Indian origin

I want to invest in PPF, however i might move out of India permanently(read overseas citizen of indian origin) or earn NRI status. Will I be able to withdraw the money upon maturity after 15 years?
2
votes
2answers
39 views

Is it possible to go to graduate school if I have debt?

I already have substantial debt in the form of personal loans ($15k). The student loans only cover the cost of tuition and living expenses, and of course does not cover existing debt. I was offered ...
0
votes
1answer
28 views

Is there a way to short the general education market?

Or in part to short companies involved in supporting the current state of the education market? (book sellers, equipment vendors, universities etc..)
1
vote
1answer
31 views

Tax Exemptions: Live in One State, Work in Another

So I'm pretty young and don't completely understand how I should be handling my taxes. I've been burned year over year recently by being a contractor and have recently started to pay attention closely ...
-1
votes
0answers
48 views

Why is Aluminum down? [on hold]

Aluminum is at 5 year lows. http://www.infomine.com/investment/metal-prices/aluminum/ I understand that the news and basic supply and demand impact price. I want to know what factors play into the ...
0
votes
1answer
23 views

Quarterly report in Gnucash?

Gnucash has this handy Account Summary report, which summarizes all incomes and expenses in every currency in the current fiscal year. I'd like to see a similar report for a custom date range (say, ...
2
votes
3answers
58 views

Is a digital image of a check e-mailed to someone a negotiable instrument?

Is it legal to send a personal check (from a picture of the hand written original) as an image through an email attachment? Then do they just submit the actual size printed image to their bank? Then ...
2
votes
0answers
26 views

Registering as sole trader in UK although most of my work is conducted abroad/online

I would like some advice. I am a British national (not resident at present). I offer a range of language related services (translation, interpreting services, teaching, travel agent for language ...
2
votes
1answer
14 views

Income Tax rebate on Housing Loan on rental property and HRA rebate?

I had purchased an under construction Flat with loan of 30 lacs in Indirapuram, Ghaziabad in Year 2011 for which I got possession in June,2015. I am staying on rent in East Delhi and claiming HRA ...
1
vote
1answer
22 views

How important is the beneficiary field in a bank transfer in the Euro zone?

When doing a bank transfer in Germany (and probably by now other countries that have Euro with IBAN and BIC) you have to give a beneficiary. In German, that is either called Kontoinhaber or ...
4
votes
1answer
278 views

Never-cashed cheques

A scenario: You pay someone with a cheque for something, receiving a receipt for it. They do not cash in the cheque. What is the ettiquette for this situation? Are you to go on living your life, ...
1
vote
2answers
63 views

Calculating Stock Trading Profits

I buy 100 shares of Company A at $10/share and one month later I buy 100 more shares of Company A at $20/share. If one month later, I sell half of my shares how would I calculate my profit? I ...
-1
votes
1answer
46 views

Sale of a rental house

I have a rental house that I'm thinking about selling to the renters. They have lived there for 9 years. I am now 75 years old and no longer able to keep the house in shape when there is a problem. ...
6
votes
1answer
95 views

Prospective employer is offering to 'buy me out' of my stock/options

Over a 4 year period I have received a mix of stock options AND restricted stock at a private company. The options are not in the money, but I am wanting to liquidate my restricted stock. I am not ...
6
votes
1answer
63 views

Tax implications of roommate rent from unofficial apartment sublet

I'm currently renting a 2/2 apartment in the US that is managed by a REIT (NYSE:MAA). I set it up in which I am the sole responsible lease holder and have added a roommate to the lease as an occupant ...
1
vote
2answers
69 views

Plan/education for someone desiring to achieve financial independence primarily through investing?

I just turned 20 and live in the U.S. I haven't started any career, and I haven't graduated with an associates like some of my friends. I'm at a crossroads and I don't quite know what to do. I want ...
0
votes
0answers
36 views

How would a collapse of the Euro affect an ETF denominated in Euros? [on hold]

I am currently invested in an an international equity ETF that is denominated in Euros. If the Euro ceases to exist, what happens to the ETF?
0
votes
1answer
25 views

Starting a LLC in the US from India - Am I self-employed or salaried?

I am Indian and I am planning to form a LLC in Delaware for my web development business (it will not have any physical presence in the US). It will be single member LLC to start with. So in India ...
1
vote
1answer
36 views

Pre- & post-tax calculations for comparing contribution amounts for traditional 401k vs. Roth IRA?

I currently have a rollover IRA which I no longer contribute to and a 401k which I currently contribute to. I would like a Roth account to be more diversified from a tax perspective. I currently put ...
2
votes
1answer
26 views

GnuCash during holiday: expenses in foreign currency

I am using GnuCash for keeping track of my personal finances. My currency is mostly Japanese Yen and I live in Japan. I keep track of every single Yen, every single purchase. Now I am going on ...
0
votes
1answer
34 views

Should I report driving tickets on my international driving permit to insurance companies

I have an international driving permit I got from India for driving into United States. I have 2 tickets on it in US. Now that I have got my own driving permit in US, should I report to insurance ...
2
votes
0answers
28 views

Stock order execution - limit orders [duplicate]

Can someone explain the outcome to the follow scenario: Buyer A places a limit order to buy 100 shares at $8.00, Seller B places a sale limit order at 7.50 for 40 shares. What price would Seller B ...
3
votes
1answer
71 views

Taking out money on current home for down payment of new home

My real estate broker is advising me to borrow money against my current house for the down payment on a second house . I need to borrow about 50k. My current house has a principal balance of 80k and ...
1
vote
1answer
21 views

flex spending when transitioning from full time to perdiem

I am moving from a full time position with health benefits and $2500 in flex spending to a perdiem position. I gave my notice to decrease from full time to perdiem without benefits as of 7/6/15. How ...
0
votes
4answers
742 views

Tax me more: Can I pay extra to the government so I don't have to deal with all this paperwork? [on hold]

Is there a way to tell the US government: Just take all the money you like and save me the effort of the yearly filing of taxes? Doing all this tax work is so annoying to me that I really would like ...
0
votes
0answers
22 views

Which countries around the globe already stopped using paper 'Cheques' as instruments? [on hold]

Which countries around the globe already stopped using paper 'Cheques' as instruments? In Europe, it is almost non-existent. In Indian sub-continent, it is used heavily, and, cheque forgery is a ...
-3
votes
1answer
36 views

U.S. Currency Sorting Bills [on hold]

So a friend and I were out at dinner the other night and had to leave a tip for our waiter. When I placed the money on the table, they scoffed and rearranged the bills with the largest bill on top ...
0
votes
0answers
48 views

Is it legal for a company to contribute differently to a 401(k) for different empoyees?

A hypothetical employer contributes 3% to the 401k of non-HCEs (highly-compensated employees). It's not a match: it's a straight contribution, regardless of the amount that the employee contributes. ...
1
vote
2answers
45 views

Limit on hard cash exchange (EURO -> USD) in USA

Say I have 8500 euros as hard cash in USA. Can I just walk into a bank and deposit it in my account as US dollars? Is there a limit on how much hard cash I can exchange at once in the states?
-1
votes
1answer
37 views

How do I formalize a personal investment in a friend's business?

I am going to invest in a friend's business. What documents do we need to sign in order to be safe legally in the future?
1
vote
1answer
16 views

Equity - date of offer, or date of joining?

I made major contributions to a startup and am being offered equity - 11% of total stock. I have been at the company for 2.5 years, and am being offered equity with a 4 year vest, starting 1.5 years ...
1
vote
0answers
42 views

Misunderstanding during phone interview; how to negotiate pay [migrated]

Three days ago I was called by a company recruiter. I had applied at many jobs and did not know specifically which company was calling me and for which task. He first asked if I was still looking ...
0
votes
1answer
67 views

New to options trading and need help understanding an options spread risk graph. What am I missing?

Suppose the stock is $41 at expiry. The graph says I will lose money. I think I paid $37.20 for (net debit) at this price. I would make money, not lose. What am I missing? Thanks for all your input, ...
1
vote
1answer
91 views

How do I determine which ETFs yield more than, but are nearly as safe as, high-rate savings accounts?

Abbreviate High-interest Savings Accounts to HISAs. This question is restricted to ETFs that can be traded in only Canada. This question assumes the superiority of investing in ETFs, over HISAs. ...
16
votes
2answers
3k views

Received federal student loan collection letter, but never had one. What to do?

Yesterday I received an unexpected letter in the mail, a federal student loan collection letter from ConServe collections. I've never had a federal student loan, so it was quite surprising to receive ...
0
votes
0answers
24 views

How to start exporting wheat flour from Ukraine? [on hold]

I am manufacturer of high quality wheat flour and would like to start selling it abroad. How do I contact the end buyers? I don't want to pay enormous prices for premium accounts on sites like ...
0
votes
0answers
13 views

Coverdell ESA Tax Consequence For Corporate Contribution

I have a small business (C corp) and noticed that corporations can contribute to an Coverdell ESA account with no income limit. Can I create an ESA account for a child and fund it 100% from corporate ...

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