All Questions

0
votes
1answer
10 views

What does the divided income number signify?

This mutual fund has a distribution at the end of every month. For example, the income dividend for October 2014 was 0.0301. Assuming I hold $x worth of units in this fund, what would my ...
5
votes
2answers
541 views

Can my employer change wage rates based upon medical coverage choices?

Prior to this year my employer used to reduce our hourly rate if we elected to enroll in one of the employer sponsored medical plans available. This reduction in rate was in addition to any weekly ...
0
votes
1answer
17 views

What is tax form SA2002, in the UK

I am trying to rent a place in London. After providing so many forms the realtor is now asking for SA2002. I have tried searching for this but cannot find out what it is. The realtor has the attitude ...
0
votes
0answers
11 views

Reserve Bank of India - Restrictions on Foreign Brokers [on hold]

Did anyone check these web links from Reserve Bank of India? http://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=23941 ...
1
vote
1answer
32 views

Mortgage loan and move money to US

If I re-finance or get mortgage loan from my existing property in my home country, and move money to the United States, which taxes do I need to pay (Income tax? Interest Taxes?) or what shall I take ...
1
vote
0answers
25 views

Should I file FBAR for the 1st year of permanent residency

I was not US resident (or B1/B2) and not in the U.S in preceding days before Nov. 2014. I get permanent residency and stay few weeks, and leave US due to the job in foreign country. I do have foreign ...
3
votes
2answers
46 views

Brokerage's calculation of my profits or losses on stock trades

I've noticed that my brokerage (Wells Fargo) uses a different system to calculate my profits and losses, instead of the mental accounting I follow. E.g., I buy 100 shares of stock A in July 2014 at ...
-1
votes
0answers
23 views

Where can I get a VISA/MC/AMEX gift card with a non-US international billing address

In the US purchasing a gift card (VISA, AMEX, MC, .. not merchant specific) allows you to use any billing address you want. Registering the card doesn't mean you have to use your billing address with ...
6
votes
3answers
57 views

What does it mean for a normal citizen like me when my country's dollar value goes down?

I live in Australia. From what I can see in the past few years (and still ongoing), the AUD value just seems to go down. Right now, 1 AUD=0.86 USD, and from what I've read in some websites, it's ...
2
votes
1answer
22 views

What is a best way to take earned money from abroad to India?

I am a Indian citizen. I am going to work in UK for some years. I am looking a best way to send my earned money to india. the options are, 1) Saving the whole money in UK and get back all in a bulk, ...
0
votes
2answers
53 views

Can I change my loan term from 60 to 36 months?

I am on a 60 months plan with USCCU and now they are offering APR rate of 1.36% for 36 months on used and new vehicles as shown here. Is it a good idea to change my loan term from 60 to 36 months ...
0
votes
1answer
33 views

Project future trend of a stock with high positive autocorrelation

I am trying to understand autocorrelation It says: For example, if you know a stock historically has a high positive auto-correlation value and you witnessed the stock making solid gains over ...
0
votes
1answer
13 views

Clarification on options jargon regarding spreads

Is it true that a bull put spread is the same as a credit put spread. Because if I am bullish, I wont be buying the put spread, I will be selling it, so it has got to be a credit spread. Similarly , ...
0
votes
0answers
12 views

self directed RRSP for a non resident

I am a US resident and want to take money out of my superannuation municipal plan and have it converted to an RRSP. However, some banks don't allow you to obtain a self directed RRSP if you are not ...
0
votes
1answer
14 views

Putting a calendar spread as a limit order

If I want to put on a calendar spread as a limit order at interactive brokers, am I allowed to specify a limit price for the spread, or do I need to specify limit prices for each of the individual ...
1
vote
0answers
27 views

Is this a Trailing Limit if Touched Order or something simpler?

This question was previously asked by me here: Understanding a Trailing Limit if Touched Order . Frankly I am still having a hard time getting it so I thought I'd ask a real world example. I bought ...
0
votes
0answers
28 views

Account closed, exemption order

I have closed all my accounts at bank A earlier this year. I provided bank A with an exemption order of EUR 200 yearly. The gains this year were significantly less, about EUR 4.50. (The rest of my ...
-2
votes
1answer
41 views

Selling units/shares in my startup to my Roth IRA

Since I can't transfer/gift shares directly to my Roth IRA, what's the most tax-efficient way for my Roth IRA to take ownership of as many units of my startup as possible?
0
votes
1answer
44 views

How to calculate earnings per share for an ETF

What formula is used to calculate earnings per share for an etf like SPY? What do they use for the numerator(earnings)? Is it the earnings of the underlying companies weighted by their percentage in ...
0
votes
1answer
51 views

APR for a Loan Paid Off Monthly

A loan is issued for 12 months for 1000 and is paid back with monthly payments of $140 each month. Does this loan have an APR of 68%?
0
votes
1answer
29 views

send money from US to India in parent's saving a/c

If I send money from US to India in my parent's saving account will I have to pay tax in India?
2
votes
2answers
100 views

Advice on replacing my savings account

I currently have a Vanguard account (Mutual Fund) with about $10,000 in it (more now). I have a savings account with about $7,000 which I consider my "rainy day" fund and I try to put money into my ...
0
votes
1answer
53 views

Why do pennyauction sites force you to buy credit packages?

Maybe it is not the best place to ask a question like this but I could not find a better place to ask it so here it is. You probably know about pennyauction sites like Madbid, Dealdash etc. On every ...
0
votes
0answers
38 views

Advice on money transfer from Canada to South Africa

I am trying to figure out what is the best way to transfer money from Canada to South Africa. By best way I mean the cheapest way and of course the safest way for me. I have found a few weeks ago ...
6
votes
1answer
633 views

How do you typically pay a deposit for a house?

I am in the final stages of buying a house. My solicitor has given me bank details and requested that I send the full amount owed for the house + solicitors fees - mortgage. This totals around 120,000 ...
0
votes
0answers
32 views

Help identifying trading strategy based on Mandelbrot

I came across a set of pictures regarding a trading strategy using pure mathematics. Normally, I am quite skeptic regarding any strategy that uses some sort of 'golden formula', but this particular ...
0
votes
0answers
12 views

Looking for marketing book or dvds [on hold]

I'm looking for books or dvds to learn marketing.Actually I'm planning to sell products in foreign countries and I need to learn the basics of marketing . Could you provide useful dvds and books about ...
1
vote
1answer
24 views

How to pay the due amount after fiing the IT returns in India

For the AY 2014-2015, my Tax Payable is INR 8500. Thinking that I would get an option to pay online while submitting, I submitted the IT returns. Obviously, I didn't get an option to pay the due ...
-1
votes
0answers
21 views

H4 visa and Gifts, can I send gifts

I am on H4 visa here in USA since last 3 years and my spouse is on H1B visa working. My spouse gifted to some $$$$$ amount, can I remit/transfer to india as a gift to my Parents and InLaws. What are ...
0
votes
0answers
89 views

Unmarried couple breaking up [on hold]

So I bought a house with my bf. MY father gifted me $80,000 in equity for the down payment. BF put in nothing actually he owes my father $5,000. The loan is only in my name. HE IS on the deed. 2 years ...
1
vote
2answers
162 views

Do I still need to pay capital gains taxes when I profit from a stock in a foreign currency?

Let's say I convert CAD 100 to USD 90. With the USD 90, I buy a stock that goes to USD 100, and then I sell it. If I don't convert the resulting USD 100 back to (say) the CAD 105 it might be worth at ...
0
votes
2answers
68 views

Do money markets fluctuate during market crashes?

Do money markets exhibit any sort of fluctuations during a stock market crash? Is it any different than placing your money in a bank? I am interested in VMMXX, but google finance only has a chart ...
7
votes
1answer
190 views

Defer bonus pay to next year

My employer offers the option of deferring my bonus payment to 2015 i.e instead of taking it in December, I have the option of taking it in 2015. Now, I understand if I was planning to retire/quit in ...
0
votes
1answer
32 views

How is option margin determined by my broker

How does my broker determine how much option margin they can or will allow me? For example if I have $1,000,000 in cash or stocks how do they determine how much option margin I may use?
-3
votes
0answers
28 views

Can I transfered money into a trading account? [on hold]

Can I transfered the money into a trading account?
1
vote
1answer
19 views

How can I reduce transaction fees, such as CA certificate costs, on several wire transfers per week?

My country of resident is India. I have to send frequent wire transfer to workers based in other countries. Bank charges about Rs. 1000 per transaction and CA Certificate for Form 15CB costs Rs. 2500 ...
1
vote
3answers
96 views

How do I dispose of my old checks?

I have several stacks of unused checks from a few old checking accounts of mine. How long should I keep the checks after I close each account? How should I dispose of them? Should I destroy them ...
1
vote
0answers
33 views

Building credit history as a young foreigner

I moved to the US for college, and have decided to stay in the Bay Area. As soon as I found my first internship, I applied for a credit card. Currently, I have 3 credit cards, and the oldest card is ...
1
vote
1answer
42 views

Condo Loss Carryover to offset IRA Distribution

I recently sold my condo with carryover loss exceeding $100,000. Can I use that loss to offset the distribution from an IRA account(regular income) during the same year? I am 66 years old. The ...
0
votes
0answers
28 views

Where can I get CVS data

I am looking for a CVS data of daily price of palm oil, coconut, and corn from Jan 1, 2010 to Nov 14,2014. I tried http://www.investing.com/, but their data stop on Dec 13,2011. Any suggestions? ...
1
vote
3answers
41 views

What is the fair value of a stock given the bid and ask prices? Is there such a relationship?

I have often read that the fair value of a stock is the midpoint of the bid and the ask price. That means if bid is 100$ and ask is 101$ then the fair value of the stock is 100.5 $ and if I put in a ...
2
votes
2answers
64 views

Sales taxes on Groupons or LivingSocial coupons?

Say I buy a $10 Groupon that lets me buy $20 worth of food at a restaurant. I go to the restaurant and order items that add up precisely to $20 (based on the menu price). If the state sales tax is 6% ...
0
votes
1answer
32 views

Different avenues of tangible returns from index funds and bond funds

I am a beginner investor and I've been out of school at this point having saved enough to seriously look at where I am investing my money. I have decided to start off with a portfolio that is ...
0
votes
2answers
76 views

First time homebuyer/investor: How to best allocate money towards paying off mortgage?

I am 23 with no debt and planning on purchasing a house. I've been running through many hypotheticals and decided to post an example to see what others think since this is a significant decision. I ...
1
vote
1answer
35 views

Selling Property In India

Bought a under construction property on H1B (USA), got permanent residency in 2010, got house possession in 2011, paid the house now through a NRE/NRO account, if I sell the house now, what taxes I ...
6
votes
1answer
219 views

How (or is it necessary) to rebalance a 401k with only one index fund?

I put 100% of my 401k into an S&P index fund. Do I need to rebalance that, or is rebalancing only necessary when you have multiple asset allocations such as 80% in stock, and 20% in bonds and ...
-1
votes
0answers
23 views

Supply and Demand model restrictions [on hold]

I just studied supply and demand model few days ago. I was concerned about the restrictions of this model in microeconomics. It says that it has to be a competitive market and the costs of trading ...
1
vote
1answer
27 views

How to choose basic health insurance in the Netherlands?

I'm a student and I'm about to start working in the Hague in a few months, and I am obliged to obtain a Dutch health insurance plan. Is there any cheap basic choice? I found out that most insurance ...
0
votes
1answer
20 views

How does agreed value insurance work with inflation?

In an agreed value insurance plan I understand that the number X is the amount that will be paid out upon loss. However I have two questions in regard to this: Upon renewing my policy yearly am I ...
14
votes
3answers
750 views

Does the following kind of retirement product exist?

Say I am 65 and want to retire and I have saved up $1 million over my lifetime. I also want to use this money up before I die because I have no heirs. Let's say the average life span of humans is 85 ...

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