-1
votes
1answer
79 views

Asset Allocation and Timing with a Cash Windfall in Q1 2015

Alright so I'm 30 years old. I'm sitting on cash to invest for the long haul. It's decision time. Here is what I have learned from my research over the last few months: Proper asset allocation ...
1
vote
1answer
94 views

Non US-resident, need to file 83b election TODAY with the IRS - I have an SSN but it says “valid for work only with DHS auth” - is this OK?

I am Canadian and are back in Canada. Last year I had a J1 visa to work in the US and I obtained an SSN while there, it says "valid for work only with DHS authorization" on the SSN. My J1 visa has ...
1
vote
1answer
33 views

Understanding payment options with NS&I Bonds

So, just like many, my parents want to invest in: http://www.nsandi.com/65-guaranteed-growth-bonds?ccd=NALBAA since they are supposed to be quite good however, there is a genuine fear that the money ...
0
votes
2answers
111 views

Loan of $70k from a friend [closed]

I want to loan $70 k from a friend of mine for a investment.
2
votes
3answers
90 views

How to minimize the risk of a credit card being compromised

Our credit cards got compromised at least 4-5 times in the last year. It's nothing that we did, it's typically security leaks and hacks at retailers: Home Depot, Target, Staples, etc. Every time that ...
2
votes
1answer
65 views

Tracking down forgotten brokerage account

My friend worked at Home Depot for several years during the early 1980s and participated in the employee stock investment program with 5% of his paycheck. His employment there ended abruptly upon ...
2
votes
1answer
110 views

Any reason to invest in a mutual fund at launch?

Hargreaves are launching a new UK growth fund next week. Is there any particular reason to get in at the start? I figure it's not like an IPO? The fund value is based on performance, right, not ...
1
vote
2answers
70 views

How to make use of EUR/USD fluctuations in my specific case?

I live in the Euro zone, and my main bank account is here. However, I also have a USD bank account located in the USA. I don't usually pay attention to the currency exchange market, but looking at ...
1
vote
1answer
87 views

Why would Swiss franc rise cause FX firm failures?

See this article - does this imply a lot of people were holding short positions on the currency? Given the well-known upward pressure, why would anyone do this?
1
vote
2answers
53 views

Given advice “buy term insurance and invest the rest”, how should one “invest the rest”?

It is often recommended that people buy term insurance for a lower premium cost, and invest the rest of the money. It is said that the returns from your own investment are higher than the ones from ...
0
votes
3answers
76 views

Should I open an IRA, or will it be redundant once I get a 401k?

I'm 28 years old and currently a 1099 self-employed contractor at my job, and have been for 2+ years now. I make about $70k a year before taxes. I'm hoping to eventually get hired on full-time and ...
0
votes
1answer
25 views

Calculation of excess cash for company valuation

I originally mistakenly posted my question as part of another discussion on the topic. It has been immediately transformed into a comment that is unlikely to bring an answer, hence posting it here ...
0
votes
2answers
99 views

Are there any exchanges in which you can place orders that exceed your funds, but which won't get filled when funds run out?

I'm working with a startup that is building an exchange platform in which a platform-wide currency is exchanged for commodities which are discrete. For the sake of the question, let's say that users ...
0
votes
3answers
81 views

Multi member member-driven LLC Bank Account without the personal presence of one the memebers

We have an LLC which has two members (we both are foreigners), this LLC is member-driven. We need to open a business bank account, but the problem is, that one of the members can't come to USA, is ...
2
votes
2answers
173 views

How to treat miles driven to the mechanic, gas station, etc when calculating business use of car?

I have a home-based business. If during the 2014 tax year I drove a car: C miles for car-maintenance errands, B miles for business errands, and P miles for personal errands, if the total miles ...
1
vote
1answer
27 views

How do Market on Close orders get resolved?

I have read that MOC (Market on Close) orders "Won't be executed until shortly before the current market session closes". This seems rather vague. I know that during a session there is an order book ...
2
votes
2answers
44 views

Evaluating Mortgage Refinance Loan Offers - Short Time Frame

I currently have a 4.5% mortgage with a balance of $247,000, and am going to refinance. However, my situation is a little atypical in that I don't plan to live in the house more than 3-4 more years. ...
0
votes
0answers
30 views

Working from India in a US company

I'm a new grad, working on a contract position in US for some time now and my contract has almost ended. I got an offer from another company (X), which is quite small (an LLC) but with better ...
-2
votes
0answers
20 views

TAX in India on Money transferred from Finland to Savings Account in India

I came to Finland on Jan 18 2014 and would be going back to India on March 20th 2015. For the Indian FY 2013 to 2014, i have already paid income taxes in India and Finland. I have recently ...
0
votes
1answer
48 views

USA: Foreign currency savings, trades and tax implications

I have a question on the tax implications on my foreign currency savings and currency trades. I moved to the USA in 2014 on an 3-year visa and am tax resident for part of the year. Following my move I ...
2
votes
2answers
125 views

How to divide up utilities amongst tenants?

Let's say I have two tenants who share my apartment with me. It is agreed that utilities shall be divided equally amongst us. However, one tenant has, as part of his lease, a stipulation that all ...
1
vote
2answers
79 views

There are 2% cash back (on all purchases) business credit cards, are there ones for individuals? [closed]

I've been searching for a simple, 2% cash back (no exceptions or categories, etc etc) credit card for individuals. My capital one business CC is quite simple - 2% cash back on all purchases. I have 2 ...
3
votes
0answers
31 views

How to get reimbursement of the wrong taxes collected by IRS? [duplicate]

I was working as an intern with F1 visa status at a company but that company's HR didn't know that I shouldn't be charged for medicare & SSN tax, so they put me in that tax status and now I have ...
1
vote
2answers
69 views

Do I have to pay the internet installation charges for my home's company internet?

My company wants me to have internet at my apartment, as in emergency I can work from home. Company pays monthly internet bill. Also first time installation charges. But recently I moved into a new ...
11
votes
2answers
253 views

When an insider discloses a stock trade are they required to execute?

Insiders and executives for public companies are required to disclose in advance their intention to make stock transactions. Upon the expiration of the waiting period are they required to execute the ...
0
votes
1answer
39 views

European stock trading sites

I was wondering if there are online trading sites relating to trading using the Euro. All the online trading sites use the US Dollar and I don't want to pay the charge of switching currency to invest. ...
3
votes
2answers
387 views

Life Insurance - How Much is too Much?

My wife and I recently went through the process of purchasing term life insurance. We have the paperwork filled out, and I wanted to ask the audience if this is a waste of money. Our situation is ...
-2
votes
0answers
20 views

Does cashflow to this equity split increase with time?

On a recent episode of Restaurant Startup (this one: http://www.cnbcprime.com/restaurant-startup/battle-of-the-pitches/), Tim Love valued the business at $200k. His offer was to invest $100k and take ...
0
votes
2answers
65 views

Form as LLC or S Corp to reduce tax liability

Drafting a business plan, trying to determine whether an LLC or S Corp would produce a lower tax liability (in the scenario below I am "Partner A"). Three Partners: Partner A, Partner B, Partner C ...
0
votes
1answer
30 views

NY state and federal taxes for tuition and no income.?

I paid tuition and had no raw income (not just net income) in 2014. Do I need to report both New York state tax and Federal tax for 2014? If yes, how shall I report it, and can I leave all amount ...
3
votes
2answers
70 views

Reasonable commission on unique property sale

We were approached by an independent broker. This broker has made us an offer on our house on behalf of a reputable developer in our city. I won't get into details but it is for an inner city multi ...
1
vote
1answer
87 views

Should I write off my time invested in developing a business [duplicate]

Last year was my first year in business. I spent a good chuck of time developing my business plan, designing the company website, and developing policies and procedures for my employees. I'm about ...
2
votes
1answer
42 views

Is it possible to receive online payment via paypal in india without creditcard

I have a paypal Premier account (Verified by PAN and bank account). I want to receive payments by selling web app on my website. But I don't verify paypal with credit card. I don't have credit card. ...
20
votes
5answers
6k views

If I plan to buy a car in cash, should I let the dealer know?

Is it desirable for them if I paid in full? Should I let them know or should I keep it to myself? Will I get lower prices if I was willing to pay in full?
2
votes
1answer
61 views

Capital gains on foreign investment?

An American "tax person" living solely in Canada must report any interest income earned in Canada on his/her US tax return. But, does this income include any gains or losses caused purely by currency ...
1
vote
0answers
20 views

Option settlement for calendar spreads

Hypothetical: let's say it's Jan 17, 2015 and AAPL is at 100. My portfolio contains: Long 1 Jan 23, 2017 Call Option for AAPL at 60 Short 1 Jan 17, 2015 Call Option for AAPL at 90 20,000 USD cash ...
0
votes
1answer
30 views

Premium Processing Service by benificiary or employer?

Here is an excerpt from the USCIS website which answeres the following in response to the following question: Can the beneficiary of a visa petition seek Premium Processing Service? No, except in ...
3
votes
1answer
136 views

If I earn 40 credits and stop working, would I get full Social Security benefits at age 67?

If I met my 40 credit requirement in my 30s, and then left the States permanently and work at another country, and pay taxes there, not to the US, would I receive the full benefits when I become ...
2
votes
1answer
49 views

What are the tax consequences if my S corporation earns money in a foreign country?

I work as an independent contractor developing software for various organizations in the USA. I usually bill a client an agreed upon amount and provide some specific service in return. For what it's ...
-3
votes
1answer
44 views

Does the payout change the value of the firm? [closed]

Why Payout Policy may increase/reduce value? Thank you for your help.
2
votes
3answers
110 views

Issue with mortgage valuation on new build property

I have a friend who recently put a deposit down on a new-build flat in a large new development in Scotland, it's priced at £150,000. He's paid the reservation fee, and been approved for the mortgage ...
1
vote
1answer
64 views

Total gain of portfolio including sold stocks?

I have a self-managed portfolio with a few stocks in it, which I keep at Scottrade and track with a program called StockMarketEye. I've used a few other portfolio trackers as well, and they all seem ...
0
votes
0answers
55 views

Does FL based consulting LLC have to pay NY state income tax?

An LLC is registered and based in Florida. It conducts consultations in FL for New York-based companies, wherein an employee of the NY company travels to FL for the consultation. At no point does an ...
53
votes
9answers
12k views

15 year mortgage vs 30 year paid off in 15

I've found similar questions, but they all seem to focus on a preexisting 30 year mortgage and whether or not it makes sense to refinance to a 15. My question is a bit different. I have not yet ...
3
votes
1answer
47 views

If you share expenses, can someone else claim student loan interest deduction?

I live with my fiancee and we share all of our expenses, car, bank accounts, etc. I'm at the max I can deduct in student loan interest, can she claim the rest of it under her taxes? Its paid out of ...
0
votes
0answers
24 views

Can I get tax withheld on 1042-S as a resident alien (Canadian) with income code 15?

I'm trying to figure out my 2013 taxes. I came to the U.S. from Canada in August 2008 to study. After 5 years, I'm still in the U.S. as an F1 student to pursue a graduate degree and I have only gone ...
0
votes
0answers
20 views

How to correctly track a covered call write (sell to open) in double-entry accounting?

I recently started using gnucash for personal accounting, but I guess this question doesn't depend on the software. I sold a covered call, and I'm not sure how to keep track of that in the ...
0
votes
2answers
276 views

What are some simple techniques used for Timing the Stock Market over the long term?

What are some simple techniques used for Timing the Stock Market over the long term to beat average market returns? By long term I mean 5 years and longer. It may include investing directly into ...
1
vote
0answers
66 views

Optimal Asset Allocation

Something I've recently gotten into is asset allocation optimization and using AI (Extended Kalman Filter) & statistics in this area. Anyway, I was ready to move 100% into stocks so I put 80% into ...
0
votes
0answers
61 views

Tax on 401k withdrawal for non US resident

What is the tax rate for 401k withdrawal? A Thai citizen inherited a 401k plan from her US husband who died at age 62 years. Which tax forms must be filed after withdrawal?

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