-1
votes
0answers
11 views

Download bond vs maturity data

As my homework about finance bonds I have to find current term structure of interest rates (yield curve), plot interest rate from some found bonds vs maturities of bonds. The problem is I have found ...
1
vote
0answers
28 views

file a complaint to bureaus of a company's residence if you live in another country?

Can I submit a consumer complaint to Better Business Bureau, federal Trade Commissionn, or the Consumer Frauds and Protection Bureau if I've bought a faulty product froma company based in Brooklyn, ...
1
vote
2answers
31 views

Question about being a Resident Alien for Tax purposes

I've been in the United States since January 2009 under an F1 student visa. Since that time I have left the united states only once in December 2009. For the past few years I've been filing taxes as a ...
1
vote
0answers
58 views

Is it safe to use credit Karma?

Is that safe to share my credit information with credit Karma, to have my credit score? How they use this information?
9
votes
3answers
1k views

How is Discover different from a Visa or a MasterCard?

I was searching online to compare the new offer I have from Discover, and I found that credit cards are divided into Visa, MasterCard, Discover and American Express. How is the Discover card ...
1
vote
0answers
35 views

When to apply for a new credit card?

I am a graduate student living in US. It is now 10 month since I have had a secure credit card from Bank of America with a $300 credit line and APR 20.24%. Recently, BOA increased my credit line to ...
-1
votes
2answers
38 views

Credit Card Payment Cycles

If I purchase something 5 days before a payment is due, is that purchase included in the payment? That is, if I failed to make a minimum payment would interest accrue on that purchase too? What ...
0
votes
1answer
43 views

refund or replacement for a faulty product purchased online with mastercard?

I bought a product from a company located in Brooklyn, New Work, online and had the product shipped by them to me to Armenia. The product was of unsatisfactory quality as it didn't function as ...
0
votes
2answers
92 views

What happens to bonds values when interest rates rise? [duplicate]

I want to invest 10% of my portfolio into bonds. The other 90% will go into stock. I took a look at Government Bonds which TD Ameritrade offers at a $5000.00 minimum. This is a little over my ...
1
vote
2answers
45 views

What method can be used to estimate additional withholding so no taxes are owed on filing?

For higher income households, standard withholding is insufficient to pay the income taxes owed. For example, one family claimed 4 people last year and the two income earners each did M-0 yet still ...
1
vote
1answer
209 views

How can you sell stocks if you do not have any?

How can you sell stocks if you do not have any? This is from a lecture of financial market class. The professor discussed the following: you do not have any stocks. But you sell 200 stocks to someone ...
1
vote
1answer
54 views

Selling property and transferring money

I purchased a property in India 3.5 years ago. Part of the payment is done from an NRE account and for financial year 2013-2014 paid using a local RS account because I was working in India. I've ...
1
vote
2answers
66 views

If I move money from my home country to the United States, what taxes need paid?

I am a permanent resident of the United States; I have not yet obtained the citizenship; If I move money to the United States which taxes do I need to pay? Income Tax? Interest Taxes?
0
votes
1answer
29 views

What is the different between one company's two OTCMKTS symbols?

I noticed that there are two OTCMKTS for Tencent. One is TCEHY and the other is TCTZF - what it the difference? Any helpufl information to understand more about OTCMKTS stocks?
2
votes
2answers
53 views

Calendar year changes and Out-of-Pocket reset

I have been with a School District for three years. This last year I had major surgery. I met my deductible and by August I reached my OOP max. In September the district got a new plan. They made ...
4
votes
2answers
139 views

How would I go about selling the stock of a privately held company?

My grandfather passed years ago and left me with some shares of a California company. The company is not publicly traded and specializes in dividend income for its investors. I have decided it would ...
1
vote
1answer
45 views

Freelancing from India to US employer: Can they deposit pay to my US Account?

I recently moved back to India from USA as I didn't get H1B Visa. I have started working for same company from India as a contractor. I still have my bank account active in USA. Can my company ...
1
vote
2answers
89 views

Can an undocumented immigrant in the US get a mortgage?

When I search this question on google all I get is that how it used to be possible for a person without a social security number to get a mortgage before but now the regulations became more stringent. ...
1
vote
3answers
48 views

How to evaluate my mutual fund performance?

What is the way to calculate the annual return of my mutual fund investment? At any moment I can see the current market value of my investment, but this number comprises 3 things: market fluctuation, ...
0
votes
1answer
53 views

What taxes does a US citizen doing freelance work (self-employed) in the UK have to pay to the US government?

Currently I'm a US citizen living in the UK on a Maltese (EU) passport. While I have worked full-time for companies here in the UK, I've recently had an offer to do some freelance work for a company ...
0
votes
1answer
102 views

How to safely exit a falling security?

Imagine you have purchased a stock at precisely the wrong moment. The instant you have purchased shares, it begins to drop. It seems like there can be strategies for exiting the position without ...
2
votes
1answer
51 views

How does CD early withdrawal fee work?

I am looking at one of the "internet banks" and they have CDs for 1 year at 1% and 5 years at 2%. The early withdrawal fee for 5 year CD is 150 days of interest. Doesn't it mean that 300 days the CD's ...
0
votes
1answer
24 views

Advantages and disadvantages for Hp gas and indane gas [closed]

I'm in bangalore city in India. I wish to take a new gas connection. I wish to know the advantages and disadvantages for Hp gas and indane gas. Any suggestions would be greatly appreciated.
0
votes
1answer
41 views

Financial times vs free news

I am a student living in the UK and I am trying to improve my 'commercial awareness' for applying to finance related jobs. (In particular algorithmic trading) What advantages, if any, does reading ...
0
votes
0answers
20 views

How do you get your tax transcript if you are a citizen of another country?

My parent is not a citizen of the United States and my school is requiring that they get a tax transcript from their country. Is my parent going to have to go to that country to get the physical ...
2
votes
1answer
47 views

Can you take a capital loss upon sale after probate action assigns a different value?

I'm exploring an option for unwinding a real-estate investment with my step-father. Please assume that we're both amicable towards any viable solution. My step-father is currently the sole owner of ...
-3
votes
1answer
48 views

Any Loop Holes for Owner Occupancy?

My Client wants to buy a Fannie Mae property in WA as an owner occupant. He owns another home out of state (in california). He has family that lives here in WA. This particular Fannie house in WA ...
3
votes
1answer
40 views

Risks in investing savings into retail superannuation in Australia?

What risks are there if I invest all my savings into retail superannuation? I'm still working part time, in my 60s, but would like to get a regular (pension type) income tax free, from investing in a ...
1
vote
1answer
56 views

Is per diem taxable?

Earlier this year, my employer reimbursed $500 that I paid out of my own pocket for travel expenses as per diem. I was not charged any tax on that, so I was wondering whether it would be taxable at ...
0
votes
1answer
34 views

super confused about bid and ask size. help

My understanding of the bid and ask size is very limited, so my first question is... What are some good books or videos that contain in depth info on how the bid and ask sizes work? ( surprisingly ...
1
vote
0answers
49 views

In Canada, how soon after a bankruptcy has been discharged can one be filed again? [closed]

I know that in the U.S., in the case of chapter 7, a person can file again for bankruptcy 8 years after being discharged and be discharged again. How does this work in Canada?
1
vote
1answer
87 views

Can cancelling of the newly opened credit cards increase a credit score?

I used to have 5 credit cards in excellent standing : no late payments, credit card utilization < 10%, average age of 0.75 years, total credit line $12K, FICO credit score 725 Last month I got ...
3
votes
1answer
44 views

What constitutes “Account Activity” in a debt collection timeline?

Let's say a person has a debt that charged off several years ago. They receive a time boxed, partial amount payoff offer from a Credit Agency that purchased the debt from the original lender. Do they ...
1
vote
1answer
50 views

Self directed IRA holds income property that generates cash flow. Can we withdraw based on wife's age?

I have a self directed IRA that has invested in income property. It generates a few thousand a month in positive cash flow which is currently being re-invested in other funds that the IRA holds. ...
2
votes
1answer
120 views

Is it legal to sell my stock at any specified price to a specified person in US Market?

Say I have 100 of apple (AAPL) shares and it's worth above 100 US Dollars now. I want to literally give them to my friend at a very cheap price because he helped me in some other stuff. So I want to ...
0
votes
1answer
45 views

How do these factors affect engagement rings as an investment?

I'm shopping around for an engagement ring. At the moment, I'm considering two options. From a "will she like it?" perspective consider them equal. (I say that because that is really the MOST ...
1
vote
1answer
39 views

How does AMT/state taxes work for stock options in California?

I'd like to know how to roughly calculate tax for stock options, for the following fictitious scenario: Suppose Little Susie joined a rare private company in California as a normal employee, and ...
0
votes
1answer
56 views

Ready for my first home

1.Apply for a mortgage I have heard that I should shop for many lenders. Here is a few questions related to this: 1.1 My friends tells me that I should look for a good lending company and I should ...
2
votes
1answer
40 views

Do US mutual funds and ETFs pay taxes on dividends?

If I am a US citizen and want to invest in a US fund (e.g. a mutual fund or an index fund), which also invest in a number of US stocks, what happens when the fund I invest in receives dividends? Is ...
0
votes
1answer
58 views

We want to sell a house we own 50% but the other parties do not [closed]

My husband and I bought a house 13 yrs ago to take care of my Grandparents, due to none of their daughters could qualify nor could they take care of them. My Aunt and Uncle went on the Deed of Trust ...
0
votes
0answers
21 views

Do I need ITIN or TIN to get my money from a closed back account from the US Govt? [duplicate]

I am Japanese. I studied in USA and deposited money in a bank account. After I returned to Japan, the account was closed. But it still has some money that I want back. They said money will be sent ...
0
votes
1answer
31 views

Which are the countries which have zero withholding tax on dividends for foreigners? [closed]

I know Singapore is one of them. What are the other countries? I would prefer to invest in these countries.
6
votes
2answers
367 views

How secure is my 403(b)? Can its assets be “raided”?

I work at a state university and contribute to my 403(b) retirement account on a twice-monthly basis, maxing out the matching funds. I also contribute a smaller amount to another account, after ...
0
votes
0answers
11 views

Help with Constant Growth Model Approach

This is a homework question that has me stumped and I was hoping someone might be able to help me understand how to solve this question/problem: Firm XYX, which is currently selling for $58.64 a ...
1
vote
1answer
55 views

How can I find out how much a dealer would really pay for my car?

I need to sell a car. I want to sell it to a dealer. I checked the estimated price on Kelly Blue Book, edmunds.com, and clearbook.com. According to those sources, it's worth somewhere around $23,000 ...
-1
votes
0answers
24 views

Forecasting capital expenditures with decreasing revenue?

I am doing an equity valuation analysis on an oil company for which I have decreasing revenue in the forecast period from the regression on oil price.As part of DCF valuation,I have to forecast ...
0
votes
1answer
26 views

Time premium of at the money options

What is the reason that at the money options have the greatest time premium? I am not mathematically inclined, is there a way to understand this intuitively?
2
votes
4answers
269 views

Why is it 100 oz and not one ounce?

Why is gold measured in USD / 100 oz and not 1 ounce (as reported everywhere else) on the Financial Times web site, http://markets.ft.com/research/markets/Commodities? To clarify, ...
1
vote
2answers
52 views

How do I use the voting rights associated with my U.S. shares?

I have an account with a Swedish broker which provides access to several markets, including NASDAQ and NYSE markets in the United States. On the broker's website, it says how to vote at the annual ...
-2
votes
0answers
52 views

trading with crash management in mind

I want to trade with the risk of a crash in mind. I understood that the shorter trades you make, the lower the risk. But i'd like to quantify that risk, so that even if a crash happens, i don't lose ...

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