0
votes
2answers
67 views

Whats the difference between multiplying by 0.999 and dividing by 1.001?

1/1.001 - 1*0.999 is non zero. But whats the difference between multiplying by 0.999 and dividing by 1.001? If say I was doing some foreign exchange at the airport and they wanted a 0.5% transaction ...
5
votes
2answers
86 views

Can I use my HSA debit card to pay for vaccinations?

I am about to go on safaris in South Africa and Zambia and need to be vaccinated against a few diseases. The IRS publication 502 doesn't mention vaccinations explicitly, but does state that ...
5
votes
2answers
154 views

How does a monthly inflation rate work?

I'm struggling to understand the following inflation numbers for South Africa given here: http://www.tradingeconomics.com/south-africa/inflation-cpi Year Month Inflation 2015 Jun 4.7 2015 Jul ...
-1
votes
3answers
57 views

Valuation of company based on earnings only?

I notice that a lot of valuation guidance, such as some online calculators, make company valuation a function of earnings. Therefore a company with small earnings (or no earnings) is valued at 0. For ...
0
votes
1answer
47 views

Can I buy put options on an ADR?

A stock is listed on Tokyo Stock Exchange. I want to buy put options on it - how can I do that? Or is short selling an ADR my only possibility?
3
votes
1answer
55 views

Can I apply for a subsidized health insurance plan when I lose my job?

Up till now I've been paying for my own insurance as my employer did not offer it. I was paying $500 / Month which was not ideal but manageable while I was working ( my employer did not cover me ). I ...
0
votes
1answer
57 views

I provided personal information to a scam survey. What's my risk? [duplicate]

I filled out this survey to win a something. Then realized it was a scam. Felt really dumb. Anyhow, I gave my email, name, phone number and address. What can the do with the information I gave them?
1
vote
2answers
65 views

First Credit Card with History

I'm wondering if I should worry about getting a credit card. I have a history, from student loans, which my banking app tells me is "good". Whenever I look at it it fluctuates between 680 and 710. ...
2
votes
4answers
104 views

What is a “retail revolving account,” and does it improve my credit score?

This answer and question refer to "retail revolving account". What is a retail revolving account? How is it different than a "general" credit card from a bank? Is it beneficial to have cards ...
0
votes
1answer
25 views

OTC Markets, OTCBB & NASDAQ Level 2

Does NASDAQ Level 2 or NASDAQ Total View support OTCBB stocks or only stocks listed on national exchanges?
0
votes
0answers
26 views

Best approach for saving/invest to move to another country

I'm planning to move to another country within 3 or 4 years, i'm currently living in México. Currently i don't have any debts and about $40k saved in pesos. My question here is if it's worth saving ...
2
votes
5answers
3k views

I got my bank account closed abruptly how do I get money out?

I have been banking in US bank for years. Suddenly I got a letter from them. The letter was sent on June 23rd and arrived on July 17th and it said that they are closing my account. I can only ATM $...
1
vote
1answer
59 views

Are all credit cards equal? (Especially prepaid ones)

I never had a credit card and never needed one (I prefer other payment methods because of convinience and risks/fraud). But many services, even free online services, request for a credit card (...
3
votes
1answer
56 views

Does Regulation D limit 6 transactions per account, or 6 combined?

If I have multiple savings accounts, do each account get the 6 transaction limit imposed by Regulation D, or am I limited to 6 transactions for all accounts combined?
0
votes
1answer
79 views

How do I prevent my credit card interest from capitalizing?

I have a fairly standard point-rewards Visa credit card - I want to keep the interest on it from capitalizing, so whenever I make a purchase of over $50, or feel like I've made a large number of ...
1
vote
0answers
54 views

Salary and taxes for first time workers [duplicate]

I'm really hoping you could help me understand the taxes and what will be my net salary. I've started to work for the first time in the UK on May the 9th 2016. My income will be 26000/year (gross). I'...
1
vote
0answers
57 views

How do I choose a good credit card? [duplicate]

I usually just use my debit card and always have. I've always been taught that credit cards are a bad idea, but after reading this question: Would I ever need credit card if my debit card is issued ...
1
vote
1answer
37 views

Will cibil score increase if I file ITR?

I have low cibil score. still i ddint file ITR. Will cibil score increase if I file ITR?
1
vote
2answers
63 views

selling a car to a dealership while asking them to obtain a title duplicate for the vehicle

I hope this is the right stack exchange to ask this question... I got my honda civic 16 back in mid Feb 16 as I was moving from NY to NJ. I actually never received a copy of the title which was sent ...
4
votes
1answer
84 views

When transferring money between two parties, under what circumstances is it considered taxable income?

According to this question, a 0% loan may not be legally considered a 'loan', but a 'gift', which is taxable. When attempting to research it I came across this; According to the IRS: You are ...
1
vote
2answers
51 views

Consequences of having an ACH payment declined?

Apart from embarrassment, is there any other consequence to having an ACH transaction declined (like an automatic payment of some sort)? Is it treated the same as a check bouncing? Does it affect ...
3
votes
2answers
58 views

How long after the tax year can you file form 8606

During many years in the 1990s I did not show a deductible IRA contribution on my 1040, but deposited money into my IRA account without filling our form 8606.
1
vote
1answer
18 views

How do I set up Quickbooks for a small property rental company that holds its properties in separate LLC's? [closed]

My company is set up so that it has a Property Management LLC (PM), Property Holdings LLC (PH) and several real estate assets, each of which is held by the PH but is also its own LLC (props). It was ...
0
votes
0answers
23 views

F1 Visa Limit Transaction

I am a doctoral student living in Illinois on F1 visa. I get dollar money as stipend from my university and also TA (teaching assistant) and RA (research assistant) payments. Is there legal limit on ...
4
votes
3answers
98 views

Is there are legal reason for restricting someone under 59-1/2 from an in-service rollover from a 401K to an IRA?

There is a lot of confusing information on the internet regarding this. Additionally, there have been changes made by the IRS later than many articles that someone may find by a web search. I have ...
36
votes
13answers
7k views

Would I ever need credit card if my debit card is issued by MasterCard/Visa?

My debit card is issued by Visa, but MasterCard AFAIK doesn't differ in that case. I can use it to pay in shops, online, to reserve place in hotel etc. I manage to constantly have enough money on ...
5
votes
4answers
144 views

Connection between gambling and trading on stock/options/Forex markets

Although this question may look like it belongs in the realm of religion, it is actually asking about the mechanics of trading on the stock / options / Forex markets. Some background information: ...
3
votes
3answers
181 views

In USA, is it possible to use a credit card as downpayment on a house?

This question is about whether the mortgage regulations or rules in USA say anything about using a credit card (or charge card such as Amex) directly for down-payment on a mortgage. With using it "...
21
votes
7answers
5k views

Are credit cards not viewed as credit until you miss one payment?

I have recently been trying to improve my credit score in hopes of getting a good/better mortgage here in a few months when I become a first time home buyer. My father has been helping me by doing ...
5
votes
2answers
84 views

Purchasing a home using collateral

I am inheriting 50% of a home (entirely paid off) appraised at $60,000 and am wanting to purchase a home for about $75,000. Can I use the first home as collateral to purchase the second home or to use ...
-1
votes
1answer
66 views

Trading with Settled / Unsettled Funds (T+3)

My question is about settled and unsettled funds in a margin account. I'm an occasional trader and would like to better understand the settlement dates. Basically, if a stock goes up x amount, I like ...
4
votes
0answers
48 views

What is a Discount Called in the Context of a Negative Interest Rate?

I was reading this article about negative yields on bonds when I wondered if you'd still call a Discount a... Discount or something else in this context? In the example, the interest rate is -0.05% ...
4
votes
3answers
4k views

(Theoretical) Paying credit cards with other credit cards

I want to preface this question by saying that this is theoretical, and I fully understand that it is a slippery slope that could get out of hand if not handled properly, and that the gains do not ...
0
votes
1answer
135 views

How to manage $50k in Savings? [closed]

I have around $50k in savings that I would like to be able to use without penalties. The money is already in a 1% interest money market fund. How can I invest a portion of the money without a ton of ...
1
vote
2answers
60 views

Which technical indicators are suitable for medium-term strategies?

I'm doing some "retail forex" by (for example) exiting hydrocarbon-dependent currency and entering one weakened by parting the political union but ought to bounce back. As you see, I'm basing my ...
3
votes
2answers
114 views

Should I trade in a car I own to lower my payments on a new lease?

I currently own a crossover SUV, valued at roughly $9000. I'm planning on leasing a truck in the nearish future, with the intent to finance the balance after the lease ends. I've read that down ...
1
vote
0answers
59 views

Am I required to have my website registered as a business in Canada to collect HST?

Am I required to have my website registered as a business in Canada ON, to be able to sell ads? does the amount of income makes any difference? The reason I am asking this is I have been told that if ...
0
votes
2answers
179 views

Why do people sell when demand pushes share price up?

Why would owners of a particular share want to sell if they see that there is an increasing demand and that the price is going to increase? Wouldn't holding onto it and selling at a later time when ...
-1
votes
1answer
52 views

2016, USA banks with low/no fee for incoming OVERSEAS USD wire transfers? [closed]

Regarding incoming wire transfers (i.e., SWIFT transfers) from overseas (this question has no connection to internal USA transfers of any kind) denominated in USD (this question has no connection to ...
1
vote
0answers
25 views

How to receive money in Canada from a US customer? [closed]

I am in Canada and I am selling a service (intangible item) to a customer from the US. I have been advised against using PayPal for selling services (virtual, intangible items) because their Seller ...
-2
votes
2answers
104 views

Advice on what to do with my equity?

I just turned 27. I have a wife and 2 kids. I have owned my home for about 3 years and with the housing marking my house is now worth about 50k more than owed. My realtor says I should end up with ...
5
votes
5answers
1k views

Can you buy gift cards at grocery store to receive a higher reward rate?

Numerous websites such as this Time article or this Nerdwallet page say you can buy gift cards at grocery store to get the higher category rate when applicable. You can purchase gift cards at ...
10
votes
4answers
2k views

Interest rates dropped significant immediately after purchasing a home

Imagine that: One buys a home at an interest rate, for example 3.625% Several days after closing, interest rates have dropped to 3.4% The timing is rather unfortunate here. Is there any way to ...
1
vote
1answer
63 views

How to get into real estate with a limited budget

My friends and I are all young engineers living in Belgium who are looking to get into real estate. I figured it should be a good investment as loans are pretty low right now and real estate is a ...
7
votes
1answer
85 views

Are the tolls to school an education tax write off?

My wife is enrolled in a college that the only way for us to get there is via toll roads and a couple of bridges. It costs almost $30 per day. This wasn't an issue last semester because all of her ...
4
votes
2answers
81 views

splitting a joint mortgage - one owner in home

Background - My ex and I split very amicably. We refinanced the home after this and are in a 50/50 partnership. I live in the house and pay half the mortgage and a tenant pays the other half. My ex ...
4
votes
1answer
50 views

How does tax work for stock investment income in the United States?

Do I have to pay the stock investment income tax if I bought some stocks in 2016, it made some profits but I didn't sell them at the end of 2016? I bought some stocks in 2011, sold them in 2012 and ...
11
votes
3answers
448 views

$700 guaranteed to not be touched for 15 years+, should I put it anywhere other than a savings account?

My daughter's piggy-bank was recently broken, and so we took the opportunity to count up the money saved, and put it away. We have an on-going account that we put money into every paycheck through an ...
2
votes
5answers
446 views

Calculating interest for a loan made for a friend on a credit card

I have a credit card with a 16.5% APR. I had $2500 on the card already. I made a purchase for a friend of $3700, who has just paid me back after 11 months. How can I calculate the interest he would ...
19
votes
8answers
4k views

Why do shareholders participate in shorting stocks?

When an investor wants to short a stock, they need to borrow shares from someone else. Why would a shareholder lend the investor the shares? When the investor gives them back, the stock would be down....

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