0
votes
1answer
54 views

How do I merge transactions in Banktivity?

I imported my current account and my credit card and correctly categorized all transactions. Banktivity failed to recognize the transactions from my current account to my credit card so now I have two:...
-2
votes
0answers
17 views

What should be the transaction type of interest paid in Banktivity?

I'm starting to use Banktivity to track my personal finances and I entered my savings accounts in which the bank is paying me interest. What should be the type of those transactions? I see these ...
-1
votes
0answers
31 views

How should I import credit card data from HSBC UK into Banktivity?

I tried using the automatic connection to IGG, but it didn't work. I was getting erroneous data. So, I'm trying it to do it manually. Most accounts seems to work just fine with the Quicken 2002 OFX ...
2
votes
4answers
150 views

How to explain quick price changes early in the morning

I don't have much experience trading and wonder why there was a large change just when the market opened. I daytraded my portfolio and started only recently. As expected, in the morning when the ...
1
vote
1answer
54 views

Is sending money from abroad (p2p) banned in India?

I was looking at Paypal wikipedia entry and came across this https://rbi.org.in/scripts/NotificationUser.aspx?Id=5216&Mode=0 Am I reading/understanding this wrong ? This facility shall be ...
3
votes
2answers
45 views

401K funds withdrawal at age 60 for non US resident

I have funds in a 401K plan from a period of time I worked in the US in the late 80s. I am not a US resident and I wonder if at the age of 60 I can start monthly withdrawals and how are these ...
1
vote
4answers
71 views

Property tax rate disconnect

I live in Santa Clara County, California and I have been shopping for a mortgage for a home purchase in this county. I am repeatedly told by every bank that the tax rate is 1.25% of the home ...
1
vote
1answer
37 views

Working in the US, paid by a foreign company

While studying in the US, I'm going to do some computer based work for a company outside of the US. Will this be considered work in the US?
2
votes
3answers
131 views

Small investing for spending money?

I got my first good job this summer and when I go back to school in the fall I will have ~$10 000 saved up. Would I be able to invest this in a reasonable way that it would provide me with say $200 ...
9
votes
5answers
391 views

What happens if I just don't pay my student loans?

My friend said she never pays her student loans and nothing has happened. She's been out of school for a couple years and is only employed under the table and doesn't have a bank account. If I don't ...
0
votes
2answers
175 views

$100,000 to invest, how should I invest it?

I am just getting into investing, and am looking for some initial input: Lets say I have $100,000 to invest... and I'd like to keep my finances as simple as possible. What investment options are ...
1
vote
1answer
50 views

Why would the price of a stock remain steady after a private placement announcement?

I'm a novice investor and ran across something that I don't understand. I own shares of Aureus and recently found this notice; On June 15, 2016, Aureus announced a private placement (the "Private ...
1
vote
1answer
66 views

What are the Effects (Negative or Positive) of Having a Joint Bank Account?

Currently, I am using the same bank account that I have used since I was a child. This is a joint account, whereas the other party is my mother. I have a good relationship with my mother and I know ...
1
vote
2answers
74 views

Buying puts without owning underlying

I'm looking to buy puts for short-term option trading. My time horizon is a week to two weeks at most. I only ever trade the options - I never hold to expiration. When I attempt to buy a put, I get an ...
11
votes
2answers
630 views

Double taxation and tax treaties for US citizens. Are you ever getting truly double taxed?

I've read several articles about double taxation I still don't really understand because I've been given conflicting information by different people. Are tax treaties between the US and certain ...
6
votes
4answers
2k views

Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure?

I plan to do some shopping when I'm in the US. I wanna know two things: What items will I get tax refund on? and in which states/cities? Will I have to pay anything at customs when I am leaving the ...
1
vote
1answer
19 views

Import .n43 file to Quicken?

One of my banks is Spanish, and allows downloading activity in the .n43 format (aka "Norma 43") which is some kind of Spanish version of OFX/QFX. Any way (on a Mac) that I can convert this to an OFX ...
1
vote
3answers
60 views

When short negative yielding bonds, who pays the coupon

Assuming the bond was actually issued with a negative coupon, if you are short (borrowing someone else's bond to sell the bond at a lower price / higher yield) Who pays the coupon? There are at ...
0
votes
2answers
100 views

In the US, is there a maximum length of time a seller has to post charges to my bank account?

I was just surprised by a $70 charge posted to my bank account, from a transaction I made over six months ago. I have no complaint about the charge itself (I owe them that money), but in the future, ...
2
votes
0answers
34 views

Do any Australian banks allow PayWave/PayPass over $100?

I use PayPass regularly on my MasterCard. I knew there was a $100 limit on contactless transactions, but I always thought you could go above that - and you'd just have to enter your PIN to authorise ...
-1
votes
0answers
27 views

Capital tax gain for under construction property

I entered into an agreement with a builder to purchase an apartment in Apr-2011. At that time, I had paid 10% as deposit with remaining payments to be made at regular intervals based on construction-...
3
votes
4answers
72 views

When does it make sense for the money paid for equity to go to the corporation?

Consider this scenario: While incorporating BigCo, Jack specifies that the number of founding shares is one million. Jack releases a product and sells it under BigCo. The product doesn't bring enough ...
0
votes
1answer
36 views

Interest on American dollars in Australian bank account

I have American dollars in an Australian bank account, which doesn't accrue any interest. Is there a way of getting interest on it?
3
votes
3answers
205 views

Is there any reason not to get pre-qualified for a mortgage?

I'm considering buying a house, but I'm very early in the process so I don't want to commit to anything yet. I noticed that my bank (USAA) has an option for mortgage pre-qualification, and I'm curious ...
-1
votes
2answers
74 views

College Funds, REITs, Retail's Downward Spiral [closed]

Should I be afraid of REIT Index Funds that include a heavy retail segment for 20yr investment? I'm looking at Vanguard's VNQ. Seems US retail and malls are experiencing a slow and steady ecommerce ...
3
votes
2answers
116 views

Will a British bank accept a twice-endorsed cheque?

I am an American citizen, living in the U.S., and I've been sent a small refund from a UK vendor in the form of a cheque drawn on the Bank of Scotland and made out to me. My bank will charge $23 to ...
-1
votes
3answers
213 views

Can I make money daytrading?

I opened an account with an online broker and started trading, and I nearly immediately doubled my portfolio. It seems to good to be true. I started with 3000 dollars in May and today the value is ...
1
vote
0answers
55 views

Bankruptcy discharged in 2004 and Consumer Proposal in Jan. 2015: Worthwhile to try to apply for a mortgage now?

I assume that mortgage lenders can no longer see my aunt's bankruptcy (that my aunt's credit reports do not show) because it is past 7 years. Now responsibly using 2 Credit Cards, my aunt accepts ...
33
votes
3answers
8k views

Can I take out a loan and invest it at higher interest?

I noticed today that my bank is offering small loans of up to £15000 at 3.3% interest. Meanwhile, services like Zopa and RateSetter are offering over 6% interest on investments in their platforms. I ...
1
vote
1answer
58 views

Getting around paypal's repeated charges

Does anyone know of a bank that will decline (not overdraft) on electronic charges? Paypal keeps bouncing off my bank account after they screwed up and double charged me. I'm in the process of ...
5
votes
3answers
1k views

How do I handle fund minimums as a beginning investor?

I'm in my early 20s, and I'd like to get serious about how I manage the money in my Roth. It's not very much, and up until this point I've only been messing around with putting it into commission-free ...
0
votes
3answers
134 views

can a doctors office call you months after a procedure and say oh, we mis-billed you, you owe $600 more?

Can the CEO of a dentists office call you up and say that their clerk billed me wrong and I owe an additional $600.00 and that I should be happy it wasn't for thousands like other patients?
-1
votes
0answers
31 views

Difference between traditional Mutual Fund and ETF? [duplicate]

This is probably a duplicate, but a quick search didn't find it... What (if any) are the real advantages and disadvantages of ETFs versus non-exchange-traded mutual funds? (I've been perfectly ...
1
vote
2answers
69 views

What is street-side booking?

What is the meaning of the term "street-side bookings" in the context of broker operations? I suspect it has something to do with the Central Counter Party Clearing outlined in https://en.wikipedia....
2
votes
3answers
147 views

Easiest way to diversify savings

Finance has always been a bit of a black art beyond current and savings accounts, so I'm hoping this makes sense. In light of the possibility of Britain leaving the EU (that isn't the actual reason, ...
1
vote
1answer
53 views

What steps I should take if I'm failing to purchase anything outside of US and bank does not help me at all?

I have a very strange problem which drives me crazy for almost about a year and I just don't know what I can try to do next. So here's the situation so far: All my Wells Fargo debit cards seems to ...
2
votes
1answer
52 views

How to handle fee for a balance transfer?

To save some money on interest, last week I transferred a balance of $17,500 from my student loan account to my credit card for 0% APR for 18 months and a 2% transfer fee. The transfer fee ($350) ...
2
votes
1answer
191 views

Which risk did I take winning this much?

This morning I made more than a thousand dollars on a position that the Japanese Yen was going to be strong. It seems that the estimate was correct, but I made much more money than expected. I more ...
0
votes
0answers
31 views

In Canada, after how long can mortgage lenders no longer see 1 discharged Bankruptcy and 1 discharged Consumer Proposal?

In Canada, my (former) financially illiterate aunt had 1 Bankruptcy discharged in 2004 and 1 Consumer Proposal discharged in January 2015. Having been reeducated, my Aunt is now responsible about, and ...
1
vote
1answer
26 views

To maintain Credit Score in Canada, should I use a Canadian Credit Card with no Foreign Transaction Fees in England?

I am Canadian who will spend 9 months in England and 3 in Canada for the next 5 years. My 1 Canadian Credit Card (henceforward CCC) charges Foreign TRANSACTION Fees (FTF), and thus I am considering ...
1
vote
1answer
70 views

How can I link my Social Security Number to my online account in Bank of America?

It is about a year I am in the U.S. and have an account at Bank of America. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could ...
0
votes
1answer
49 views

joint savings account requiring three signatures

Savings account requiring three (and) signatures for withdrawals. Does the (and) change to (or) upon the death of one of the signatories? Wells Fargo bank changed the requirement for two signatures ...
0
votes
0answers
31 views

401k to Safe Harbor Plan

My company moved from an vested 401k plan to a Safe Harbor plan at the beginning of the year. I was only 40% vested in the 401k plan. Now, in May, we were purchased by another company and the Safe ...
3
votes
4answers
369 views

How are the best way to make and save money at 22 years old

I am currently 22 years old, I work as an insurance biller and make about 800-900 dollars every two weeks cash. I have no expenses because I still live with my parents but I'm trying to branch out on ...
3
votes
2answers
59 views

Medical bill accidentally paid twice in different tax years

Suppose a medical service is provided on December 30, 2015 and the bill is paid on the same day. The provider accidentally re-bills for the service in January 2016, and the bill is paid again. Shortly ...
0
votes
1answer
29 views

Is recharacterization of an IRA contribution potentially a taxable event?

I contributed $5500 to a new Traditional IRA earlier this year. Since I did not have a 401(k) at work, it would have been deductible. However, now I am getting a 401(k), and my income is over the ...
3
votes
1answer
106 views

Can a company take money from a Debit Card at a Later Date?

I have booked an online service from a web site which only asked me for the Debit / Credit Card Info (Visa Electron) to reserve the service (Only save my Card details are saved, no deductions are made ...
3
votes
1answer
57 views

What does “marking down” a startup mean?

In this article, the article discusses fidelity marking down the value of tech startups. Based on context, it seems like somehow Fidelity has magically reduced the value of the startups, but this ...
0
votes
1answer
29 views

Paying taxes on an inherited Canadian TFSA? (Successor holder case)

I read this interesting article about Questions about TFSA and I contrasted the information with CRA's website about successor holder. As far as I understood, when the original holder's TFSA pass ...
1
vote
2answers
45 views

Medical Bills and IRA Distributions

From my research I think we have unknowingly and accidentally screwed ourselves here, but I would like to ask to confirm. Oct 2015: Our son needed emergency surgery when we were traveling in Panama ...

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