All Questions
38,949
questions
0
votes
0
answers
94
views
How do companies listed in the US stock exchages choose when they report their earnings
Do they just pick a date? Or are there some archaic rules governing earning report dates..
Updated from link provided by Bob Baerker.
The essential SEC requirements are that each public company ...
- 571
3
votes
1
answer
157
views
HSA Based Income Tax Optimization Strategy
A hypothetical individual living in the USA held a high deductible healthcare plan (HDHP) in 2017, 2018, and in 2019.
She maxed out her HSA contributions in 2017 and 2018 but did not make any ...
- 456
5
votes
4
answers
582
views
Does it make sense to invest in real-estate if you do not have any heir to your investments?
We are an expat couple (< 30 years old) currently living in Germany. We are wondering about the long term benefits of investing in real estate when we do not have a plan to have children of our own ...
- 211
0
votes
1
answer
2k
views
How to get information about LIBID rate?
I can find the information regarding LIBOR rate, for example like in this link, but I can't find anything about LIBID rate even though there are many sites providing the LIBID definition. Can anybody ...
- 143
0
votes
1
answer
3k
views
Why does my broker have slightly different prices?
I took a look at the closing price of NDAQ of the day 2019 04 26
at the NASDAQ website,
this market data API,
which has excatly the same values as NASDAQ,
open 89.63
high 90.09
low 88....
- 139
49
votes
5
answers
14k
views
Why do money exchangers give different rates to different bills?
I was traveling to India recently and was buying a few hundred US dollars on my way as the money exchanges didn't have any Indian rupees with them. At the exchange counter, they didn't have 100 dollar ...
- 593
3
votes
3
answers
295
views
How can I conveniently allocate small sums of money to budget for future expenses?
If I have $X in my checking account, and I know of upcoming purchases this month, such as, rent, groceries, a haircut, a new bicycle, a new pair of glasses, my gym membership, etc., is there an easy, ...
- 131
-1
votes
1
answer
60
views
Can we get the portfolio size approximation from P&L [closed]
Im wondering if we can get the portfolio size approximation, if we have the volatility and -/+ pnl of the portfolio ? Is there a method or a formula ?
Thank you
- 101
2
votes
3
answers
508
views
Why are stocks good hedges against inflation?
So i was doing some research on inflation and i came across this sentence, "The impact of inflation on your portfolio depends on the type of securities you hold. If you invest only in stocks, worrying ...
- 334
2
votes
1
answer
281
views
How can I apply for $10/month internet, if I rent privately but am indigent?
From CBC's article, this low price appears restricted to low-income housing organization tenants. But I don't live in one. I rent privately in Ontario. Thus how do I apply?
Or must I email ISPs ...
user40269
5
votes
1
answer
347
views
Why would a bank suddenly start using a very old address for me?
I stumbled upon an infographic that reminded me of something strange that happened to me several years ago, possibly related to banking, law, and credit reporting. Apologies if this is not the right ...
- 211
1
vote
1
answer
68
views
Can I withdraw Small Overcontribution from RRSP?
My contribution room for my RRSP is 23.5k, I accidentally contributed 25k though. I realize my over-contribution is within the 2k that CRA allows, but I would prefer to keep the extra $1,500 outside ...
- 111
0
votes
1
answer
95
views
401k catch up contributions for HCEs - can my company forbid these?
I am currently restricted to a 9.5% contribution rate to my 401k due to imposed limits by my company for HCEs (apparently we failed a test last year). My CFO is telling me that it is illegal for them ...
- 3
0
votes
1
answer
225
views
Do private equity firms use the target company's debt to purchase shares
Take the following scenario.
A company has an EBIDTA of 1 Million, and a PE firm values it with a 10 X multiple, but only wishes to purchase 50% from the founders.
In order to give the founders the $...
- 1
1
vote
0
answers
43
views
Regular Investment - Historical Data - Sanity Check
I'm attempting to calculate the returns I'd have received from investing in the FTSE 250 from 1990 - 2019 (1st January in each case).
I believe my maths is correct, but I'd like a sanity check as I ...
- 23
31
votes
4
answers
17k
views
Transfer over $10k
I recently realized that most of my money is going into my checking account where it's just sitting there losing value due to inflation, etc. I want to open a savings account at a different bank (...
- 291
4
votes
1
answer
183
views
Tax implications of dividend vs salary
I'm recently self employed. My accountant advised the total amount of tax I'll pay (combined business and personal) is the same whether I pay myself 100% dividend or 100% salary and the only deciding ...
1
vote
2
answers
247
views
How to pick ETFs that hedge against stock market crashes?
If I want to hedge against a stock market crash the advice I often see is “diversify” and “buy bonds.” As a result, my portfolio is primarily Vanguard VTI and Vanguard BLV, the total stock market ...
- 113
1
vote
1
answer
215
views
How to improve geographical diversification?
Recently realised on my investments' geo distribution map that they are largely (~83%) in NA/EU.
Given this, should I diversify by region further? What kind of ETFs/funds in general avoid NA/EU?
...
- 113
1
vote
0
answers
72
views
What could be the intention between increase and decrease of share capital that seem to cancel out?
A company has published shareholder meeting decisions: https://cns.omxgroup.com/cdsPublic/viewDisclosure.action?disclosureId=884745&messageId=1113616
Currently there are 40 794 850 shares with ...
- 661
0
votes
0
answers
27
views
Beta of portfolio containing stocks and risk free assets
(c) Tilly Tiepy has an equally weighted portfolio comprising 30 stocks and a risk free asset. The average beta of the stocks of 1.2. Tilly has half the value of her portfolio in treasury (exchequer) ...
- 1
1
vote
2
answers
77
views
Inflation calculation
Am I correct in saying that £100 in the year 2000 was worth roughly £60 in 2018 (or had the same buying power to put it another way)?
I've used the calculator here, but they way they put it is ...
- 23
5
votes
2
answers
986
views
Why do 401k up to company match, then fill Roth IRA, then finish filling 401k?
Places like NerdWallet and the FI/RE community on Reddit suggest contributing to a 401k up to the company match (if one is offered), then maxing out a Roth IRA, and then going back and continuing to ...
- 1,048
2
votes
0
answers
140
views
Does passing an IRS audit with flying colors affect in any way the probability of an audit in a later year?
I am asking this out of curiosity; we will not change our good behavior on tax reporting based on this answer!
Several years ago, we had a thorough audit on our federal income tax return (US). The ...
- 1,900
1
vote
1
answer
80
views
How are percentage of investments decided in index fund like VTSAX?
I see that Portfolio composition - has about 20% technology, 19% financials etc - and there is similar composition for companies.
This is a general question for index funds - specific example for ...
- 143
1
vote
1
answer
71
views
What is a roll-over to a Roth account?
I don't qualify for contributing directly to Roth accounts. I keep hearing about roll-overs but I don't understand how roll-overs interact with my current accounts.
Do I pay taxes on my money (or ...
- 319
2
votes
0
answers
46
views
Quitting working - where to put 401k money? [duplicate]
My spouse is considering becoming a stay-at-home parent. They currently work and have a 401k. If they do leave their job, and want to rollover the 401k, what's the best investment vehicle to choose? ...
- 319
1
vote
2
answers
250
views
I have some savings want to invest in index fund but worried about recession in 2019/2020
I have a dilemma. Should I go all in and invest my savings in Vanguard indexes such as VTSAX? Or should I play it safe and wait for a recession? The market recovered from the December 2018 drop so ...
- 143
1
vote
1
answer
122
views
Currency neutral investing - How to take the risk of currency out of investing?
I finally decided to get into investing (about 2 weeks ago - so please excuse any lack of knowledge that may be displayed), so I've been doing a load of research. One thing I am unable to find answers ...
- 111
1
vote
0
answers
45
views
Made a mistake reporting total income on T1 tax forms
This is a bit embarrassing but apparently, I made a mistake on my income tax return. In particular, the "total income field". In my first tax return(2017), I thought this was "monthly income", but ...
- 11
2
votes
3
answers
921
views
Bond fund vs High interest savings account
If you have some money - lets say 20k USD. Banks such as Ally provide 2.2% interest rate on Fixed deposits. Is investing in bond funds such as VBTLX safe and better than fixed deposit?
Understand ...
- 143
-2
votes
1
answer
93
views
At what exact time Netflix IPO started trading for public?
At what exact time Netflix IPO started trading for public?
Need the exact time when the shares started trading.
- 15
3
votes
2
answers
2k
views
Do I need business license and account to work as a software contractor
I started a software development contract and decided to open a separate bank account just for this activity. The bank gave me a list of required documents needed when opening a business account for ...
- 195
0
votes
1
answer
111
views
Is there a type of investment that doesn't eventually cost the business money for a return?
I have been doing research on types of investing and funding for a startup, but I'm still pretty clueless, so please disregard this question if it's ridiculous. I also apologize if this is the wrong ...
- 23
0
votes
2
answers
330
views
Forward contract hedge and market-maker
Referring to McDonald's Derivatives Markets book, a market-maker or arbitrageur must be able to offset the risk of a forward contract. It is possible to do this by creating a synthetic forward ...
- 1
1
vote
2
answers
274
views
Option trading for dummies
If I buy a $200 call option for $22 ($0.22) that expires in 3 weeks, with a current share price of $140, can I sell the option two weeks from now if the share price has reached $180?
I'm asking ...
- 693
4
votes
1
answer
293
views
Does the federal Investment Tax Credit for solar installations take into account upgrade costs?
I have an older home that needs some upgrades in order to support a solar installation (new roof, 200A electrical panel, and replacing old wiring). Are the costs of doing those upgrades included (in ...
- 230
6
votes
1
answer
247
views
How many Tesla Y are ordered/reserved so far
Tesla Y is allowing to order ( similar to Tesla 3 reservation but allowing to choose configuration). I remember when Tesla 3 was announced there were plenty of information released by Tesla and 3rd ...
- 3,492
0
votes
1
answer
154
views
Do I have to pay tax on Capital Gained on primary property?
I am a Canadian citizen. I have been worked for a company in Mississauga, Ontario since 2016. Around this time my dad was diagnosed with illness so in March 2016, he added my name to his property in ...
- 101
5
votes
2
answers
316
views
How can I practically buy bonds?
A moderately low risk of investment is a government bond. If I understand correctly, I spend €1000 on a 5-year bond at a yield of 1%, then in 5 years I get back 1000*(1.01)**5=€1051.01, unless the ...
- 3,213
2
votes
1
answer
841
views
How can I get the historical data of stocks being ranked in Zacks Investment?
I am looking at Zacks Stock Market Research web site and it has rankings for stocks like 'Sell', 'Buy', 'Strong Sell', 'Hold' etc.
I would like to retrieve historical data of the stock rankings going ...
- 21
0
votes
1
answer
1k
views
Taxes on an NY summer internship
I am a TN resident who will be doing a 12 week internship this summer in upstate NY. My salary is around 2.3k every two weeks. What would this be after taxes? Would my company take care of state and ...
- 447
0
votes
2
answers
378
views
Are online purchases reported to IRS or FinCen
I am an international student in US. if I buy products online using my debit card and my online purchases and wire transfer in (my family transfers me tuition from back home directly in my account and ...
- 113
-1
votes
1
answer
54
views
Unsecured sources of short term loans (variable and fixed rates)
Someone has obtained a short-term loan from the Bank. The loan matures in 180 days and is in the amount of $45,000. He hopes to have sufficient backing from other investors by the end of the next 6 ...
- 3
8
votes
2
answers
994
views
Is it legal to move to a different US state before moving out of the country to avoid paying state income tax abroad?
Today I've learned that Americans have to pay state income tax based on their last residency address, even if they relocate overseas. So let's say you know you will be moving from the US to another ...
- 5,842
2
votes
2
answers
146
views
Money Investment Options
I am looking for Money Investment Advice. I am currently doing a max contribution to Roth IRA (me and my wife) so $6000 a year.
I am also planning to open ESA for my two kids and contribute $4000 a ...
- 243
0
votes
3
answers
127
views
Can stock brokerages be a publicly traded company themselves?
I searched it on the internets but it seems like it's so common knowledge that there are no articles or explanations about it.
From a logical gut-feeling kind of guess, I would say no.
Any ...
- 139
1
vote
0
answers
61
views
How much money do I lose when I move from defined benefit pension plan to a hybrid pension plan
I am moving from a company with a defined benefit pension plan to one with a hybrid pension plan(DB + DC). I understand that the defined benefit pension plan uses a set formula to calculate the ...
- 16k
3
votes
2
answers
364
views
Understanding annuities with respect to Term Life insurance
I am financially well to do. I have Term Life insurance (along with high 6 digits in savings) that will protect my kids. I am considering protecting myself and guarding against outliving my assets ...
- 1,245
0
votes
2
answers
204
views
American citizen consulting for a Danish entity over 30 day period - visa/taxes?
I am an American citizen who will be consulting for a Danish entity from July1st-July 31st for a fixed project with a fixed project value. As part of this work, I will attend a workshop in Brussels ...
- 1