generic tag to be used for questions related to fees. Ideally to be accompanied by other subject tags

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1
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0answers
17 views

Will holdings in high-OCF pre-RDR non-“clean-priced” fund unit types eventually be converted to clean priced units?

As soon as it was practical, I made sure all my own fund investments were migrated to a platform with "clean priced" fund units available (and even before that I'd been making use of a ...
1
vote
1answer
59 views

What are the costs to maintain an Inc? [closed]

I am wanting to form an Inc for an internet website like Facebook or Twitter and I am running it out of my home for now. I would want to register my startup in the state of Delaware and I am in ...
1
vote
0answers
40 views

Do no-balance-transfer-fee credit cards make exceptions in their special offers?

I have a wide array of credit cards that I use to maximize rewards. Every now and then I get an offer in the mail from one of the cards I haven't used in a while, offering 0% APR on balance transfers ...
0
votes
1answer
77 views

How much does it cost for a eviction lawsuit in Mumbai?

I have a tenant who is refusing to leave. He has not paid any rent. How much will it cost to evict this tenant? How much can i expect an attorney to charge me for court proceedings and how much will ...
1
vote
1answer
30 views

What kinds of charges/fees are there for NRI Home Loan from SBI?

I have questions regarding Home Loan that I am taking from SBI. When we(my spouse and I) initially went to the bank, the SBI, the NRI Branch manager told us about all the procedures for an NRI Home ...
0
votes
0answers
35 views

UK funds charges and how often interest is credited

I have two questions regarding funds in the UK. When I read a return p.a. of a fund in the UK from a website such as trustnet.com, do I have to calculate the return minus ongoing charges (OC) to ...
5
votes
1answer
139 views

Cash Advance causes recurring interest fee after paid in full

In January I made a cash advance of $110 with my credit card. In Februaury, I paid off January's balance (+$10 cash advance fee +$1.82 cash advance interest) in full by the statement due date. This ...
1
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0answers
66 views

How to avoid fees on 401k account when employer owes funds

My previous employer did not deposit 401k funds that were taken out of my paycheck over a 5 month period. I have left the company and I am fighting at get that money paid, with the help of the EBSA. ...
5
votes
1answer
103 views

How do ETF fees get applied?

I'm reading the prospectus for an ETF I've recently purchased. It states: fees paid directly from your investment I understand how this works for the OCF. However, there are 3 further fees for ...
4
votes
2answers
98 views

What leverage do I have to negogiate reduced overdraft fees?

Through a comedy of errors involving other financial institution, my checking account at a credit union went negative, and I was charged $200 in overdraft fees. I don't think I'm responsible for the ...
4
votes
2answers
171 views

Can My Employer Charge Me a Fee to Get a Mailed Check Instead of Direct Deposit?

I have preferred to receive paper checks instead of direct deposit, as I find it easier to keep track of. However, my employer has now announced that there will be a (quite large) fee associated with ...
4
votes
2answers
112 views

How to account for a customer-imposed processing fee?

I am a sole proprietor. I invoice a client monthly. They pay the invoiced amount, less $20, which is a charge back to me for a processing fee. How do I account for this on my tax return/accounting ...
1
vote
2answers
88 views

When are stock trade fees deducted?

When you buy or sell stock with an online broker when are the trading fees (approx. $7 or $10) deducted from your available balance? Is it when the order is placed? At the end of the month?
1
vote
1answer
47 views

Does MER of a given product (say ETF) ever go down?

If I buy a new product with relatively high Management Expense Ratio (MER), can that MER be theoretically/technically reduced in the future, for example when the product gains more and more ...
-1
votes
1answer
54 views

Ongoing Automatic Investment Fee

When a DRIP plan says "Ongoing Automatic Investment Fee", is that the amount of money they take every month? In the case of Hershey's DRIP, it says it's $2. Does that mean if someone invests $50 a ...
0
votes
1answer
90 views

What are overnight fees? [duplicate]

I am using Etoro to trade US stocks and they charge overnight fees. However, nowhere can I find a definition of what an overnight fee in the context of stock broking is. Their Terms & Conditions ...
0
votes
2answers
74 views

How do booking agencies avoid credit card fees [closed]

I am curios about the following situation. Let’s say I have a website where people can book flights. They pay us with their credit card, and we are buying a flight ticket for them a few days later. ...
0
votes
1answer
77 views

Opening a Roth IRA account, what is the fee structure for Vanguard, Scottrade and TIAA-CREF

My wife and I recently came into money (i.e. I just got a job!). We are looking to open Roth IRA accounts for the two of us. We currently have a brokerage account at Scottrade and my employer ...
3
votes
2answers
66 views

Does a mutual fund's return include fees?

If a mutual fund's published YTD return is 3%, and it has an up-front sales charge of 5% and a 12b1 fee of 2%, are these fees included in the YTD return, or would the "real" return be 3%-5%-2% = -4%?
16
votes
4answers
2k views

Why do banks insist on allowing transactions without sufficient funds?

Specifically, to a checking account. I have not heard of, in a long time, any bank that will simply decline a charge if there isn't sufficient money. Either by default or even at the customer's ...
0
votes
1answer
47 views

Debt management lawyer?

Is there such a thing as a debt management lawyer? I've got delinquent debts. I've got more than enough money to pay off all debts. I want to systematically look over each debt statement (fees, etc) ...
2
votes
3answers
176 views

First 401K portfolio with high expense ratios - which funds to pick? (24yo)

Just got my first 401K at work through Mass Mutual. I have 17 options to choose from. I don’t think we have index funds, and most funds have high expenses between 0.75-1.66%. So I decided to care ...
1
vote
2answers
281 views

Are 'per trade' fees charged on every order or just once per stock?

As someone relatively new to stocks, I understand that stock brokers charge commissions: usually either per share or per trade. In general, are commissions taken every time you place any order ...
4
votes
3answers
162 views

Getting my first credit card - do UK companies have a fixed charge for owning a credit card?

I am looking to take out my first credit card to assist in the improvement of my credit score. I have been hunting around card offers online, and have found some I am willing to give a try. The top ...
-2
votes
1answer
119 views

Do those who invest large amounts of money in stocks pay typical brokerage commissions?

I actually invested $2000 in stocks, and paid brokerage fees of 0.5% to the broker on both sides (buy & bell) or approximately $22.50 ($10 + $12.50 in commissions after a gain of $500). So my ...
5
votes
1answer
138 views

What would make a Centurion Card's fees financially worthwhile?

The AMEX Centurion card has annual fees of, depending on the country, up to the equivalent of 5402USD for Taiwan. There are also one-time joining fees of up to 7500USD. Now these anodised titanium ...
0
votes
1answer
128 views

How to avoid maintenance fee when balance drops below minimum?

Looking for a way to, in the event of a purchase dropping my balance below the minimum daily balance (MDB) with no way to bring it above the MDB before the end of the day, make 6 point of sale (POS) ...
1
vote
1answer
76 views

Are Australian mutual fund fees large compared to US?

I've lived in the US and have mutual funds through vanguard where the management fee is around 0.2% (see link). I've moved to Australia, and I'm looking at fees of almost 1% (see link). Why is this? ...
1
vote
1answer
84 views

Fees and delays in getting physical stock

If I buy shares from a certain US stock broker, what are on average the fees and delays to get the physical stock upon request? If the prices do not have a clear average, which US based broker has ...
6
votes
1answer
250 views

Am I responsible for an annual fee on a credit card I never picked up?

I just received a bill for a VISA card at a bank where I'm not a customer. There is just one charge on the card and it is for an annual fee of $120. The card is not actually made out to my name, but ...
5
votes
2answers
301 views

Why are credit card late fees and returned payment fees changing to $27 / 38?

In a short period of time, I've seen multiple major US banks change the terms on their credit cards to set the returned payment fee and late fee each at $27 for the first offense in a six-month period ...
2
votes
1answer
116 views

Individual Client or Customer fining or charging a Company a penalty fee

What's the primary factor keeping a consumer from handing out fees as liberally as corporations or small businesses do? Can an individual, or more appropriately, what keeps an individual from being ...
1
vote
1answer
219 views

Does investing in index funds on a monthly basis involve brokerage fees?

Let's say i want to invest in some index funds, and i know which ones to go for. Let's say i can also make the initial required minimum investment. My question is, will an automatic investment plan ...
1
vote
0answers
56 views

UK fee-free foreign transfer to own account

I have a bank account in the UK and in The Netherlands. Transferring money from my UK to my Dutch bank account costs £25 with my current bank and most other banks have similar fees. The Money saving ...
0
votes
1answer
173 views

How soon in advance to cancel a credit card to avoid the annual fee?

Last year I applied for a credit card (Delta Gold Amex) in order to get 50K bonus miles with the first year annual fee waived. I'm about to cash in the miles and I have never paid a dime in interest. ...
5
votes
1answer
133 views

Rental Application Fees

I've been trying to find a new apartment. Each application I've submitted cost between $20-$35 and I've yet to find a new place. A lot of these places have me just write out a check which I never see ...
-1
votes
1answer
82 views

Why would an ETF rebate part of its management fee, rather than reduce it before?

[Moneysense.ca:] For taxable accounts, the Horizons S&P/TSX 60 Index ETF (HXT) is back from last year and should appeal to investors who focus on large-cap stocks. But the main reason for ...
0
votes
0answers
95 views

Transfer shares to avoid brokerage fees

I like Fidelity better than Vanguard in regards to web interface and customer service. Vanguard has better funds for the way I wish to invest. Since I plan to invest in a dollar/cost averaging manner ...
3
votes
4answers
1k views

Do I need to insure a large check when sending via mail?

My girlfriend has a bank account that is on hold because of a stolen debit card number. She recently signed a contract for 90k but has the first check in my name for 60k. She is stuck in London for a ...
33
votes
1answer
4k views

How does Fidelity make money off me?

I have an IRA account with Fidelity which I use to buy a handful of Fidelity mutual funds. Since they are Fidelity mutual funds, Fidelity does not charge commission on them. So how then does ...
2
votes
1answer
284 views

Pros and cons of different methods to transfer money from India to the U.S.?

I live in India, and I'd like to transfer money to a friend in the U.S., to settle a debt. Which of the following options work well: Give a rupee-denominated cheque. This would be denominated in ...
0
votes
1answer
68 views

Does an online business selling across the USA would need to file for foreign qualification in each state?

I have been looking at the rules for an all online transactional company. If I make sales in all US states, do I need to file for foreign qualification if I have a Nevada LLC?
0
votes
2answers
2k views

When do you pay the annual fee for a credit card?

This may seem like an obvious question but there seems to be no other resource online explicitly explaining this. Say I have a credit card with an annual fee of $X. Do I pay $X when I apply for the ...
1
vote
2answers
93 views

Investment partition for German student

Currently I am a student and planning to finish in about 6 month. At the moment I have a monthly income between 1000 EUR and 2000 EUR and are saving about 70% of it. I have savings of about 52k EUR ...
0
votes
0answers
83 views

Lower-cost index funds vs. managed (higher-cost) tax-advantaged IRAs?

If having to choose between a non-retirement lower cost index fund and a managed higher cost IRA (both traditional and Roth), which is less impeded and likely to grow more long-term? Put another way, ...
8
votes
3answers
560 views

Do “growth of $10k” charts for mutual funds account for fees? I've found conflicting information

I've had several people advise me that the growth of $10k charts that you see for mutual funds, and provided by, e.g., Morningstar, account for the expense ratio of that fund (but not sales loads). So ...
2
votes
2answers
588 views

Should I move out of my actively managed IRA at Fidelity and put it all in index funds?

I have an IRA at Fidelity. It is where I have rolled old 401k plans into. Currently, I am paying Fidelity to actively manage the account. It is currently invested is many mutual funds, bonds and ...
6
votes
2answers
835 views

Is Buying American Shares in Canada a Good Idea?

I am looking at buying some American based shares such as SPY (the S&P 500 Index ETF), but I am in Canada. I am wondering if buying something like this will have any consequences (e.g. I have to ...
2
votes
1answer
176 views

Freelance site with lowest commission fees? [closed]

I got a gig from one of the company via email & interviews and they made me a good offer. They want me to start this collaboration via Elance and when I looked at the fees/charges on Elance I ...
0
votes
4answers
197 views

How to avoid/limit currency exchange fees?

I live in the US, work in the US, and have a US bank account (Wells Fargo). I've often been travelling into Canada as of late, and I find the conversion fees are quite expensive when I use my credit ...