0
votes
0answers
5 views

Did not file W-8BEN but received dividend income from US stocks and zero withholding tax

I am an Indian citizen who worked in US for some time and returned in 2002 to India. I last filed a 1040NR return in 2002 and after that did not file 1040NR. I just realised that I have been receiving ...
-1
votes
0answers
16 views

Must ETF companies match an investor's amount invested in an ETF?

1Source: p 147, Investing For Canadians For Dummies, 3 Ed (2009) by Tony Martin, Eric Tyson The lack of CDIC insurance on a money market fund shouldn’t trouble you. Mutual fund companies can’t ...
0
votes
0answers
12 views

Why invest in money market funds, when its return is lower than a high-rate savings account?

Ratemysupermarket.ca displays, for a deposit of $50,000 CDN, high-rate savings accounts (abbreviated as HRSA) that yield as highly as 1.75% from Implicity Financial, 1.50% from Scotiabank, and 1.05% ...
2
votes
1answer
18 views

HSA contribution cap on a new HDHP plan?

What is the HSA contribution cap for single enrollment in a HDHP partway into the year? Assume that the participant was not previously enrolled in any other health plan has not made any HSA ...
0
votes
1answer
28 views

How does one transfer funds between a French bank account and a US bank account?

Say Person 1 has a French bank account, and Person 2 has a U.S. bank account. Person 1 wants to send funds to Person 2. Person 1 can add a new person to their list of beneficiaries, but the French ...
0
votes
1answer
17 views

Split Roth 401k Rollover between Traditional IRA and Roth IRA

Does the guidance in IRS Notice #2014-54 apply to Roth 401k rollovers? Specifically, is it possible to do a out-of-service rollover on a Roth 401k such that: The earnings are put in the Traditional ...
2
votes
1answer
18 views

Taxable income computed by date earned or pay date?

Is taxable income for a given year computed by the days where the income was actually earned or the pay period in which the pay is issued? For example, suppose the pay period for an employee spans ...
0
votes
0answers
22 views

Why would most US companies allow Direct Stock Purchase Plan (DSPP) for US residents only?

All companies I would be interested in to contract a Direct Stock Purchase Plan (DSPP) links to computershare.com which requires the buyer to reside in the US (with a valid security number). Is there ...
2
votes
1answer
38 views

Do I have to file a tax return on a federal work study job?

I recently obtained a federal Work study job at my college. I filled out paper forms that were a bit obtuse to me. A I-9 form and a w-4 I think. I obtain $1200 maximum from this job. So do I have to ...
2
votes
1answer
18 views

Does Form 8938 have to be signed?

Unless I'm blind, I don't see any place on Form 8938 for a signature. As it's submitted with the normal tax return, presumably the signature on the 1040 covers this - correct?
1
vote
0answers
27 views

What are some websites which provide real-time price information of Australian stocks? [on hold]

Preference is that the real-time price quote information is available free of charge.
3
votes
1answer
56 views

Seller is eager to offer a nice-looking house on a rent-to-own scheme: could this be some kind of scam?

A couple of years ago I was looking to move from the townhouse I was renting. After checking the rental adverts at craigslist I made an appointment to see an townhouse that looked quite nice and clean ...
2
votes
0answers
35 views

monthly payment discrepancy

I recently took out a loan as follows: loan amount: $116,000 interest rate: 4.75% term: 360 months When I calculate the monthly payment it comes out to $605.11/month. This is the answer whether ...
0
votes
0answers
13 views

How to Transfer Money from Travel Card

My Travel card is loaded in USD and issued in India.Currently i am out of india and want to transfer the USD from travel card to my indian bank account. I almost tried all money transfer sites like ...
0
votes
0answers
13 views

Transferring money from Thailand bank to USA

My friend is being held at Bangkok immigration and being extradited back to Florida (USA) because of probation violation in 2002. He's been living there for 13 years. They are saying he can't withdraw ...
0
votes
2answers
35 views

how does a new credit card impact my credit score?

I took a new credit card 2 weeks back and now I saw an exciting offer for a new travel credit card. I know there is definitely an impact because of the hard inquiry but would it impact the score in ...
8
votes
6answers
1k views

Does my net paycheck decrease as the year goes on due to tax brackets filling up?

I am trying to budget my money for the next few months to save up money to move out. In a month, my taxable wages for the year will have crossed the bracket from 15% - sub $37450, into the 25% ...
1
vote
1answer
32 views

How to get disability insurance from a good company when you already have a group LTD plan with your employer that pays 60% of salary?

I am a tech worker. My employer offers group LTD that covers 60% of my salary? I went out in the market to get an individual policy but my agent cannot find a company who will underwrite a policy with ...
0
votes
0answers
27 views

Please explain the terms “Access Pricing”, “Pricing Request” and “SCA” [on hold]

I am currently going through the design document of a project which I will soon start working on. I am trying to understand some jargon used in the design document. They are marketing/financial terms ...
1
vote
3answers
48 views

Does the P/E ratio not apply to bond ETFs?

I cannot seem to find them on any website, but I have seen their existence for stock ETFs. If the answer to the question entitled is 'no', then why not? I exemplify with 2 ETFs: Blackrock (Canada)'s ...
0
votes
1answer
41 views

Is 'Cost of raw materials and consumables' the same as CoS (Cost of Sales/Services)? [on hold]

As a IT contractor, I'm doing my company tax return, however I don't know where I should put my Cost of Services? Normally I could find Cost of Sales in the Full Accounts, but not for Micro-Entities’ ...
0
votes
0answers
26 views

How do I mimic “daily spendable” feedback in GnuCash?

TL;DR: How do I get reports in GnuCash to do some basic arithmetic the way a spreadsheet can? More detail: Taking inspiration from Level Money, I budget based on how much each of two accounts ...
0
votes
1answer
29 views

Is IRS Form 8938 asking me to double-count foreign assets?

FBAR and Form 8938 require the reporting of the maximum balance/value of a foreign account during a tax year. If, say, I sell $100,000 worth of stock from my (foreign) securities account and desposit ...
2
votes
0answers
15 views

Income Tax Germany-UK - Different tax years

I've recently moved to Germany, how can I incorporate my earnings from the UK into German income tax system when the tax years are different? German tax year (Calender year) UK tax year (April-April) ...
0
votes
1answer
32 views

Can S-Corp loss offset gain?

I made 2 investments via my S-Corp. The first, in apartment buildings which is being sold for a gain, and the second in a hi-tech startup which failed and closed. Can the loss from the startup offset ...
0
votes
2answers
79 views

What's so hard about a mutual fund manager pricing their mutual fund?

An article in today's Wall Street Journal (2015-08-16) titled A New Computer Glitch is Rocking the Mutual Fund Industry is all about how some kind of computer (software?) failure at a company called ...
0
votes
0answers
18 views

Calculating cash flow and FCF [on hold]

I am pretty new to Finance so I thought I'd try my hand at a few worksheets. I've come across a question regarding cash flow (from operating activites) and FCF, but with the information that is given, ...
5
votes
4answers
123 views

Should I scale down my 401k?

Today I met with my 401k provider at work. They tend to push certain plans and a schedule that is as follows: Aggressive Fund (100% stocks, 0% bonds) Moderate Fund (50% stocks, 50% bonds) ...
2
votes
1answer
54 views

How to interpret the interest rate of treasury notes?

I am new to investing in the US and money terms in English, so forgive me if this is a stupid question. From this table, I can see, for example, that the most recent 2-year treasury note sale had an ...
1
vote
1answer
95 views

Rent or buy a house in a poor country?

I have a very simple question - rent or buy a house in a poor country when you have a stable income? There are many articles on this topic but I cannot find the right solution for my specific case as ...
1
vote
0answers
18 views

Canadian citizen working for a year in scandinavia

I am a Canadian citizen. I am toying with the idea of living and working in Scandinavia as a contractor for about a year. What are the tax implications? Will I be taxed once in Denmark and then again ...
1
vote
0answers
27 views

Funds supermarkets transaction time frames - are all so vague?

When I was buying funds through fund supermarket time frames given were very vague. Trade was supposed to be executed at next "transaction point", without much description when is it. I am guessing ...
1
vote
0answers
36 views

To hold or sell shares [on hold]

I own shares in a company,this company is wishing to set up a holding company. In doing so it will separate its European business from its united states business , creating two subsidiaries in the ...
0
votes
0answers
12 views

Employee working in CA with resident address in GA [on hold]

I have an employee that is a resident of GA but it is working physically in CA. I know I need to pay UI taxes in CA for the employee, but as far as State PIT withholding, I don't know if I should ...
5
votes
3answers
190 views

As a total beginner, how do I begin to understand finance & stocks?

As the title states, I'm a complete beginner to finance. I haven't had a financial background, by the time I got my first proper job I struggled to understand my wage. I did study engineering and am ...
3
votes
0answers
73 views

Employer Won't Release 401k [on hold]

A client of mine came today with a scenario that I had never seen. She had worked for a company for three years, held about $60K in a 401K, but after four months from being laid off, she hasn't been ...
1
vote
2answers
93 views

How do owners in a partnership earn income?

I am 1 of 2 partners (no employees) in a recently registered consulting business. Essentially we are 2 former sole proprietors joining forces. We are currently working on forming our partnership ...
1
vote
1answer
31 views

Do you pay any tax on dividends up to £30k?

I'm a bit confused how dividends are taxable. Assuming I want to take ~£30k dividends ('tax credit' excluded) on which I will use my ~£10k personal allowance. Do I pay any income tax from it (from ...
1
vote
1answer
98 views

Am I being underpaid?

I earn £18000 pro rata for ten weeks. This full month I have just worked is gross pay of £1384, National Insurance was £85, Tax Code 1066L therefore PAYE = £0 Shouldn't my gross pay be £1500 though, ...
3
votes
0answers
59 views

Condo in HOA building that has been disbanded

I found a listing for a property that is in a high rise building where the HOA has been disbanded. This is the note from the listing: HOA is disbanded and HOA has past taxes. What pitfalls ...
-1
votes
2answers
56 views

Forex Market - The Underlying Question [on hold]

There's a lot of people out there who trade Forex but I really doubt their understanding of the exact technicalities of the Retail Market e g what e4xactly happens when you trade and how come you can ...
3
votes
2answers
105 views

When is the right time to pay my credit?

I am confused on when is the right time to pay my credit. Here is what is written in the paper included with my card. Statement Date: 21st of the month Payment Due Date: 24 days after statement ...
-2
votes
0answers
41 views

Get investment basic [duplicate]

What are "classic" tutorial in investment at all and investment in Stock Exchange in detail. I would like to get general understanding of all these things.
-2
votes
1answer
59 views

Investment basic [on hold]

What are "classic" tutorial in investment at all and investment in Stock Exchange in detail. I would like to get general understanding of all these things.
1
vote
1answer
22 views

Transfer of Indian rupee account funds to UAE to open business

How can I transfer from my rupee account in India a sum of Rupees 25 lacs to my UAE bank account, for investment purposes for starting my own business.
3
votes
1answer
28 views

Date of sale in real estate - is it date of Close or date of Signing

I'm in the process of selling my home and am getting very close to the time limit on the gains exemptions (2 months from now). The IRS says that the date that matters is the 'date of sale' - is that ...
-1
votes
1answer
70 views

How many hours I worked per week?

How can I answer this question (How many hours you worked per week) for my insurance application, if I worked on call, as an interpreter? Sometimes I had an assignment for 2 hours once a week, ...
3
votes
1answer
32 views

HSA and FSA Concurrently

Our family's health insurance is through my wife's job and it is a high deductible plan. She opened and started contributing to an HSA in 2014. I started contributing to an FSA through my job in 2015 ...
6
votes
2answers
214 views

When do I need to transfer money to the owner when buying a used car? Used car transaction paperwork and details

Dear financial experts ! I have never bought a used car before. I bought my first car brand new from a dealership, so I was not worried about the paperwork. Now I am looking to buy a used car from ...
2
votes
1answer
38 views

Will an HSA save me money on chiropractic or dental?

I live in NJ and have a full time Job. I am mid 35's and my friend is on mid 45's. We both have our Health Insurance. However, it doesn't support Chiropractors or Dental. Will having an HSA Account ...

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