0
votes
0answers
6 views
Where to find ideas for non-traditional investments for under $100K (USD)?
Where to find ideas for non-traditional investments for under $100K (USD)?
In the US, I am looking to go into rental property or looking for other options. Where can I find these other options.
1
vote
0answers
7 views
Benjamin Graham: Minimum Size of the company
In the book "Intelligent Investor", Graham recommends a minimum annual sales figure of 100 Million $ as one of the criteria.
How do we adjust this figure for Inflation and a country other than the ...
3
votes
2answers
25 views
How should I specify income that was saved abroad on my children's FAFSA?
I lived and worked in London (even though I'm an American) for the last 5 years, and now I'll be heading back to the states.
My children are about to start college and I have money saved in an ...
1
vote
2answers
39 views
For which alterations on a personal check in the US does one need to initial?
For which alterations on a personal check in the US does one need to initial?
Crossing out one's old address on a personal check is possible. Crossing out an outdated address is not necessary in the ...
1
vote
1answer
21 views
How can one fill in the cent portion of the numeric amount on a personal check in the US?
On personal checks in the US, one fills in the numeric version of the dollar amount towards the left of the respective rectangular field.
Say the check is for $36.25. I have seen different ways of ...
4
votes
1answer
62 views
Which colors can one use to fill out a check?
With which colors can one fill out and sign and personal check in the US?
Black is of course okay; I have heard that blue is also allowed. An ideal answer will give references.
Is there anything ...
3
votes
1answer
25 views
U.S. Bonds Taxed Interest and Current Value
Series EE Bond just matured and I cashed it in.
The current value that I received in cash was only a little more than the original face value.
However, the interest I am paying taxes on is half the ...
1
vote
2answers
22 views
Tax withholding on ESPP discount
I recently enrolled in my company's employee stock purchase plan (ESPP) with the maximum-allowed 10% of my salary. I get the stock at a 15% discount relative to the purchase date (no look-back ...
1
vote
2answers
41 views
betterment vs vanguard life strategy vs vanguard target retirement
I'm a 20 something grad student and would like to open a hands off retirement account with beta exposure to the market and would make monthly contributions. I'm fairly illiterate wen it comes to ...
5
votes
1answer
55 views
How to fill the IRS Offer In Compromise with an underwater asset?
I owe about $6k in back taxes, and simply don't have the money--it's hard for me to find even minimum wage jobs in the current economy, and I am burdened with consumer debt. After speaking with the ...
2
votes
2answers
42 views
Will I have to pay taxes in India when I transfer money from a US bank to an Indian savings account?
I am currently in US, and would like to transfer some amount from my US Bank account to a savings account based in India on a monthly basis through a third party like Xoom or Transfast.
If I'm going ...
0
votes
0answers
20 views
How do I set up a budget in Quickbooks 2010?
I am treasurer for our school's PTO, and I use QuickBooks Premier Nonprofit Edition 2010.
I am trying to track budgets of two different types, and I can't figure out how to do it properly in ...
0
votes
0answers
53 views
Best way to keep smartphone contract in the US while mostly away from country
I have a smartphone contract (T-Mobile) in the US and I'll start living in another country (Japan), while I plan to come back for every few months and stay for awhile. Let's say I'll stay in the US ...
0
votes
1answer
32 views
Low cost real estate appraisal options
So I am buying a rental property as an investment and expect to do the purchase as a cash deal. So technically there is no lender to force me to get an appraisal on the property.
Of course, I still ...
1
vote
1answer
87 views
Can I form a company to rent a car or apartment to my wife's employer for her to use?
My wife's job places her on long-term contracts (> 6 months) in different parts of the US. The employer currently pays for a permanent car through a popular car rental agency and a permanent room ...
2
votes
1answer
59 views
When a merchant accepts bank wire transfers, how does the merchant know who has wired him the money?
When a merchant accepts bank wire transfers, how does the merchant know which customer wired him the money and how much money the customer paid?
For example, when I'm funding payza.com, entropay.com ...
2
votes
1answer
48 views
What happens to your investment if the broker (which acts as a custodian) goes bankrupt?
For instance, you purchased ETFs using a broker that also acts as a custodian, what will happen to your investment in case the broker / custodian goes bankrupt? Will you lose all your investments?
...
6
votes
2answers
81 views
How can I replicate Vanguard's Total Stock Market Index using their S&P 500 and extended stock market funds?
I want to approximate the total United States stock market with part of my 401(k). I have access to two low-cost index mutual funds: VIIIX, which tracks the S&P 500 (large cap), and VIEIX, which ...
2
votes
1answer
33 views
How to pay comingled personal and business credit card charges for small corporation
If I used my personal credit card for a business expense, may I pay that portion of the credit card bill with a business account check?
4
votes
2answers
92 views
Value of Pension in regards to salary negotiations
I've been advised from careers.stackexchange to post this question here as it's more financial than career advice.
I've received a job offer from a company and I'm looking to make a strong ...
3
votes
1answer
52 views
Selling stocks - capital gains
Say I have 500 shares in company XYZ. 250 were purchased on 5/1/2012 and 250 were purchased on 9/1/2012. Is it possible to sell only the stocks that were held for 1 year (5/1/2012)? Avoiding the ...
4
votes
3answers
961 views
Can I receive “gifts” from my friend (who happens to be my employer)?
Take for example, I'm an employee and my employer is my good friend.
We are both US persons living in the US, and I'm working for my friend for a monthly wage of $5 USD which is subject to income ...
-2
votes
0answers
29 views
After an IPO, does the increase in stock price provide more money to the company? [duplicate]
Companies go public so they can raise money by a funding round. My understanding is that the IPO is for this reason. They offer a certain amount of shares and raise X amount of capital, and the share ...
1
vote
2answers
128 views
Where does the stock go in a collapse?
During the crash at the end of 2008, pretty much everyone was selling their stock and the market tumbled approximately 50%. Who purchased the stock? Was it market makers or other people? I understand ...
0
votes
1answer
22 views
Conflicting information about late recharacterizing of excess contributions
Say someone contributed more than they were allowed to for a Roth IRA in Year 1 (therefore, there was an excess contribution). Can they still re-characterize that contribution to a Traditional IRA ...
2
votes
1answer
61 views
What does it mean when a business reports its costs on a “fully loaded basis”?
What does it mean to ask a private business to report their costs "on a fully loaded basis"?
And then to ask them to "please indicate the fully loaded basis for which the costs are reported"?
-3
votes
0answers
29 views
non-tax-resident of Canada pay taxes for investment account earnings? [duplicate]
I am a Canadian citizen working overseas permanently with no ties to Canada (no family, no house, no jobs, no licenses). This makes me a non-tax-resident (meaning I report the taxes to my current ...
0
votes
1answer
20 views
Money Flow index (MFI) and deciding when money flow is positive or negative?
I was recently looking at the calculation for MFI - the money flow index.
The calculation is as follows (From Stockcharts):
* 1. Typical Price = (High + Low + Close)/3
* 2. Raw Money Flow = ...
4
votes
1answer
49 views
Non-tax-resident of Canada needs to pay taxes for investment account earnings?
if a person were to be a non-resident of Canada without jobs, a spouse, kids, asset (houses, cars etc.) in Canada, then that person would not be obliged to file a tax report. However, if that person ...
3
votes
1answer
38 views
FBAR semantical issue
From my understanding, the US Treasury's Foreign Bank Account Report (FBAR) is supposed to be filed if a US person - natural or artificial - holds over $10,000 in a foreign bank account at any point ...
5
votes
1answer
40 views
Comparing pre-tax versus post-tax health expenses?
I understand the concepts from this question and everything I have read says that the benefit of pre-tax expenses are that they reduce your taxable income.
But to keep the math simple, let's say ...
5
votes
1answer
65 views
Employee stock option plan with undefined vesting?
As an employee, I have received stock options from my company.
However, about vesting, it says only that the board determines it. There is no further info, no vesting period is stated, no further ...
2
votes
0answers
28 views
How can I split income with a person I never met? [migrated]
I am currently working on a game for the Android devices with a person I found from a forum. I have never met this guy before and so far we have only talked on email. He is from the UK and I am from ...
2
votes
1answer
41 views
How can I estimate the sensitivity of a bond ETF's price to interest rate changes?
Is there a standard method for estimating the sensitivity of a bond ETF's price to interest rate changes? Some of the information I have includes the average duration and the SEC yield.
3
votes
0answers
66 views
Couch Potato Portfolio for Europeans?
I recently came across the Couch Potato Portfolio concept and was happy to find an investment strategy that made sense to me. Its origin seems to be the Canadian version, and it has been translated ...
1
vote
0answers
42 views
How can a beginner start an investment portfolio in Europe (France)?
I have been lurking, reading information about personal finances for a few months (if not years) now, but I didn't get the chance to start because I don't know where to start.
Here is the thing: I am ...
-1
votes
0answers
47 views
Early 20's Graduate: 10-99 work and self employed. I have some idea of what I want - I just don't know what it's called. (And if it's viable.) [closed]
I think the title contains most of what you need to know. Below are my opinions, formed from various sources that of course, are biased themselves. Feel free to tear any of my preconceptions apart - ...
0
votes
0answers
29 views
Is 'days to cover' helpful to identify a short squeeze
When talking about short interest, the 'Days To Cover' is the avg number of days it will take to cover the short position and bring the short interest to 0. But is this figure actually of any use? It ...
8
votes
1answer
71 views
Index mutual fund “minimum initial investment” inside a Roth IRA?
When a fund says its minimum initial investment amount is $2500, does that mean I need $2500 in my Roth IRA account to trade that fund? If so, would I need $7500 total in my Roth IRA account to trade ...
3
votes
1answer
41 views
Selling my house and have been taking home office deduction. What will I owe?
I'm in the process of selling my house. I took a home office deduction a couple times, and I am concerned about what I may be responsible for at tax time.
My profit from selling the house is nowhere ...
3
votes
1answer
32 views
How do we know the number of shorted shares of a stock?
I am reading this article which discusses Tesla's stock (TSLA). The article states:
27.5 million shares of Tesla are held short, or about 41 percent of the float.
How can the number of shorted ...
2
votes
1answer
31 views
What does the settlement date of short interest mean?
NASDAQ lists data like this for the short interest in Walmart:
Settlement Date Short Interest Avg Daily Share Volume Days To Cover
4/30/2013 27,988,175 7,442,123 ...
6
votes
1answer
75 views
How quickly does decreasing credit utilization affect your credit score?
There is a lot of advice out there about keeping your credit card utilization above 0% but less than 20%. I'm currently carrying about 85% utilization on my card and have plans to lower it. How long ...
-5
votes
0answers
39 views
How to start selling books online [closed]
I have some electronic university textbooks stored on my hard drive (In physics and mathematics) Can I sell these books at low prices to university students who can't afford the actual price ?
0
votes
1answer
48 views
Comparing Investments: Selling land vs. starting a business
I have a situation where I need to compare some investing alternatives.
We and my partners own a piece of land with high commercial value, that was bought 7 years ago. Now the real estate market ...
-2
votes
0answers
34 views
When calculating CIP between EU and US, which interest rates data to use?
I am wondering which data to use to test the Covered Interest Rate Parity between Europe and the United States. Recap that for the CIP to hold, it should mean that
F/S = (1+r)/(1+r*) where
F = the ...
3
votes
1answer
55 views
Full Time Job and Self Employment and a 1040ES
Currently I am full time employed with a company, and am in the 25% tax bracket and claim no exemptions. I also have a website that I get ad revenue from.
Last year I had a few hundred dollars I owed ...
6
votes
1answer
50 views
Can my wife claim a deduction for her personal superannuation contribution if she got the Parental Leave Pay?
My wife is self-employed and had a baby last year for which she claimed the Parental Leave Pay from the Federal Government (a bit over $10K over 18 weeks). She had to enter the amount in Item 1 - ...
3
votes
2answers
33 views
How can I know if the ETF stock is bought by stock participant (change) or the fund (vs. outflow)?
Consider an ETF with tick symbol TIP and a customer clicking 'Sell' to sell one share via Fidelity brokerage. How can the customer know if that single stock will be bought by another person on the ...
3
votes
1answer
35 views
Does Medicaid pay for prescription drugs?
If you don't make much money, there are prescription advocacy programs like this one that one can take part in. However, if you don't make a ton of money, it seems to me that you're likely to be on ...
