4
votes
2answers
109 views

Does crossing tax bracket matter when choosing to repay loans early?

I am a recent college graduate with student loans and a job which puts me at the top of the 15% tax bracket. I'm not sure how my career will grow at this point, but I was thinking it's possible I'll ...
-1
votes
2answers
71 views

How Should I Start my Finance Life and Invest?

I am currently new to finance, I understand the basics and I'm totally confused about lots of financial issues. I'm mostly interested in building corporations which means investments.However, I am not ...
2
votes
1answer
13 views

Reporting of amortization expenses to FTB California

I have registered a corporation in Californa. So far, there have only been start up costs and no income. I have lodged a Form 1120 with IRS and amortized the expenses over 60 months. Do I report the ...
2
votes
1answer
42 views

Official tax transcript from IRS

I have to present an official document from the IRS in another country (that is part of the Hague convention). They require the document to have an apostille. However, from I found so far on the ...
2
votes
1answer
33 views

For an equivalent company security, does it make more sense to trade them in country with dividend tax free?

It is not uncommon for certain giant companies to list their stocks in multiple country stock exchanges. For instance :- BP listed in NYSE (New York Stock Exchange) and LSE (London Stock Exchange). ...
2
votes
1answer
27 views

Investments - Huge drop in bid price versus last close

What happens if a new Bid price is substantially lower than the last Close price - close to 20% lower, and Ask is shown as zero? Will trading take place? Is this likely to be "big money" with insider ...
3
votes
1answer
82 views

Is there any way to cash in a pension fund?

The last company I worked for (I'm in in the United Kingdom) had one of those schemes where the company puts a certain amount of money every month into a pension fund. I quit my job and now I keep ...
1
vote
4answers
99 views

Historical company performance data

I am looking for historical company performance data that goes back at least 10 years. I could pay for it but if it's free it would be fantastic. Company performance indicators that I am looking ...
2
votes
2answers
54 views

How do I calculate interest on a personal loan with irregular withdrawals and payments?

Several years ago, I loaned money to a family member. They borrowed different amounts at irregular intervals. They are now beginning to repay, so I want to establish exactly how much they owe. I have ...
1
vote
1answer
35 views

Is it possible to use an RRSP mortgage to pay off a line of credit?

I'm told that the only requirement for obtaining an RRSP mortgage loan, is having the mortgage insured by a recognized mortgage insurer - and that the insurers can sometimes be negotiated with, with ...
0
votes
1answer
38 views

What should be the maximum affordable loan earning X per month?

I will be shortly purchasing a car with help of a loan. Suppose my earnings per month is X, what should be the EMI [Equated Monthly Installment] limit ? Till now my monthly expenses are X/4 and the ...
3
votes
3answers
192 views

Can credit card be used as a debit card by making payments into credit card before even using it?

I am planning to use Halifax clarity credit card abroad when I travel to Europe. The credit card offers good rates while using abroad with no transaction charge or non sterling transaction charge ...
3
votes
0answers
36 views

Good trust account in the UK

We need to open a trust account for our children for some money they inherited in trust. We were warned that quite a few of the banks are quite reluctant to do this. So the main questions are: Once ...
3
votes
1answer
60 views

Tax implications on money transferred to NRO account

Here is the situation - my wife and I are based in UK. I have NRO/NRE account in India. My wife has remitted some money to my NRO account in India. Can the forum please help me with the following? ...
2
votes
1answer
43 views

What are the common Income Tax deduction for salary earned in Saudi Arabia

I have left for Saudi Arabia on 7 November 13 , I am a government employee in Saudi Arabia . My salary is deposited in Saudi bank account , will I have to pay tax on 1,000,000 rupees amount which I ...
2
votes
1answer
36 views

Determining CMHC insurance premium

Is the calculation based on purchase price with HST or without HST? For example, the property is being purchased from the builder and the stated purchase price includes HST. If the posted price is ...
4
votes
1answer
44 views

Am I eligible for a refund of Social Security and Medicare taxes for when I was on an F-1 visa?

This question is for a friend. They came to the United States as a student in 2009 on OPT/F-1 visa. In November of 2011 they started to work for the Department of Defense as a teacher. They had Social ...
2
votes
1answer
77 views

Is a lease without signature valid/enforceable?

When our two year lease was up, the landlord agreed to about her 2 year lease by email and stated that the rent would remain the same. This was all agreed upon by both parties via email with no ...
-2
votes
0answers
50 views

What are typical additional costs that an investor incurs when investing in a startup?

say that a startup has approached you, and you've decided to invest 10k into them as part of an early/first round of funding. are there any additional costs, to you, as an investor, besides the 10k ...
4
votes
3answers
93 views

How do you calculate whether a 4 year mortgage term is cheaper than a 5 year term?

For example, assuming a balance of $200k 5 year fixed at 3% 4 year fixed at 2.8% How much would the interest rate have to rise before you lose out if you take the 4 year term?
3
votes
1answer
54 views

Will charity donation have no effect on my taxes if I take the standard deduction?

According to this question looks like donation will only have tax benefit if I itemize my deductions, and itemizing deduction seems to be only beneficial if you have expenses such as medical care or ...
2
votes
2answers
108 views

As an individual investor, does it always make sense to sell a stock that's gone up due to a merger announcement?

Suppose I hold a stock that's recently had a run-up because another company has made a bid to acquire it. It seems like I should almost always sell the stock in this case, because there are only a ...
2
votes
1answer
57 views

What are online payment options with no chargeback protection?

What exactly are chargebacks and chargeback fraud? Is it a complaint about not receiving the product, or is it about the customer saying that he did not authorize the payment? If I understand ...
0
votes
0answers
38 views

Is it impossible to open foreign currency accounts in the US? [duplicate]

I want to open a Canadian dollar account in the US. I.e., an account that operates in Canadian dollars without converting to US dollars. I just spoke to someone at HSBC and they said "any account ...
4
votes
1answer
72 views

What happens to the gains or losses made on the non-vested portion of a 401k after you leave your job?

If you leave a company that matched 401k contributions before the vesting schedule is complete, the non-vested money is returned to the employer. I'm curious what happens to the gains/losses on the ...
3
votes
2answers
63 views

Any sane way to invest in both funds and stocks with UK ISA?

I wish to invest in both stocks and funds within an ISA. However the fund supermarkets all seem to charge an annual fee even on stocks. Yet there are stock trading isa accounts that have no fee. So I ...
1
vote
0answers
20 views

Is it possible to add a EUR Master Card in PayPal?

I have a bank account and two Master Cards with it: for USD and for EUR. I want to add EUR card in my PayPal account. Is it possible? Do PayPal accepts Euro or it will exchange Euro to US dollars?
4
votes
1answer
29 views

UK ISA - Can Only contribute to 1 provider a year?

HMRC has a rule that you can only pay into one stocks and shares isa in any given year. But what if I transfer this years part funded ISA to another provider. Can I continue to pay into the new ...
1
vote
1answer
66 views

Why do you think there is a difference in these 2 funds' expense ratios?

For my 401k my employer offers 49 different investment options. The default option is the FID FREEDOM K 2055 (FDENX) which I have been in for the past year. I recently dug around checking out all the ...
2
votes
2answers
79 views

Live in California but work for Illinois-based company

At my office job (in Illinois), we've recently been offered the option of working from home. Many people have jumped at the chance, and the company has reported a great success rate in those who are ...
2
votes
1answer
80 views

Is it legal for a vendor to reuse credit details from a previous transaction

I purchased an item online. I got a phone call from them touting some other service. All I said was OK- I didn't understand the details and they charged again a big amount using the originally ...
2
votes
0answers
24 views

How do I transfer/cash-in stocks from another country?

My father passed recently and I was just informed that I inherited or have stocks that he had previously purchased in my name, the stocks are located in the country my father is from where he was also ...
7
votes
5answers
776 views

Paying down debt during a no-interest period

In this question, the OP had three cards, and the one with the largest balance had a promotion of 0% APR for a limited time. Normally, the most efficient way to pay down that debt is to start with ...
4
votes
3answers
170 views

Savings account vs Roth 401k

Is there any reason to have a savings account if you have a Roth 401(k), which allows early withdrawal of principal? If pooled together, couldn't you get the liquidity of a savings account and, if ...
1
vote
1answer
38 views

Applying for a mortgage with multiple lendors in a 2 week period

I've just submitted an online application with a lender for a new home mortgage. I know that this lender pulls all of the 3 reports (EQ, EX, TU) and not FICO. Wondering if I shop around and also ...
5
votes
1answer
57 views

Student Loan versus Cash ISA

I have taken out a UK student loan several years back whilst studying, it was interest free at the time, but now a low interest of 1.5% APR has kicked in. I have scraped together enough to pay this ...
3
votes
2answers
121 views

Received a call to collect on a 17 year old, charged off debt. What do I do?

I have received multiple calls from a finance company about an account balance on a credit card that was charged off in 1997 and then the company decided to ask me to pay for this account in 2012. I ...
2
votes
0answers
34 views

How to calculate taxes for an online business?

I am presently contemplating a small start-up online and am looking into the various pitfalls before getting too invested into it. The website might be hosted on servers in Europe or the US and I ...
8
votes
1answer
84 views

What to do about infrequent false credit judement?

Over the last couple of years I have infrequently had a false credit judgement held against me. Over a year ago I attempted to get a Car loan through a bank and they wouldn not give me the loan due ...
0
votes
0answers
20 views

Why does the Lessee pay Additional Registration Tax / Fee on Leased Vehicle as “For Hire?”

Vehicle Registration Renewal has (in Florida, USA - rates differ by state): (6) MOTOR VEHICLES FOR HIRE.— (a) Under nine passengers: $17 flat, of which $4.50 shall be deposited into the General ...
4
votes
1answer
101 views

Refused for Debt Consolidation Loan. Why would I be denied this loan?

I have numerous maxed-out credit cards and a half-used store account and I'd like to pay them all off with a consolidation loan, to reduce the interest I'm paying and clear them all up quickly. I'm ...
5
votes
3answers
102 views

Where do I invest my Roth IRA besides stock market and mutual funds?

I'm 25, I've invested most of my Roth IRA in the stock market, and have recently moved money to a peer to peer lending account for better compound interest returns. Where else should I consider ...
1
vote
2answers
43 views

Where can you find dividends for Australian Stock Market Shares (ASX) for more than 2 years of data?

I've been using yahoo to get in some cases ten years worth of historical stock prices for stocks. I'm interested in the dividends that the stocks pay if any. Yahoo Finance don't show dividends. But ...
2
votes
2answers
44 views

Physical replication ETFs that do not pay out dividends

I am searching for physical replication ETFs that do not pay out dividends at all. I am interest in ETFs that tracks major indices for example , S&P 500, DJIA, REIT, banking, Emerging market, or ...
3
votes
1answer
47 views

Where do company filings go first?

I was wondering what was the process for a company filing financial reports. I was looking through Edgar on the SEC website and noticed that filings are "accepted" about 10 minutes later than a news ...
6
votes
3answers
342 views

Getting over that financial unease? Budgeting advice

I recently moved from Arizona to Oregon to take advantage of free schooling (which ironically enough, I originally moved from Oregon to Arizona because I wanted to go to college there). Before the ...
1
vote
1answer
47 views

Treasury bills, how do they work?

I am looking at Bills tab on the site: http://www.treasurydirect.gov/instit/annceresult/annceresult.htm There is a 4-week security term with what appears to be a 4-week maturity date, with ...
1
vote
3answers
105 views

Using matching on 401k and then cashing out

I realize that if I "cashed out" on a 401K early, I end up having to pay taxes on the cashed out 401K savings. But, I would have had to pay taxes on that 401K amount if I had not put into savings ...
0
votes
1answer
50 views

Where to buy good corporate/goverment/treasury bonds?

I am non american citizen. I read a portion of Benjamin Grahams, "The Intelligent Investor" he suggests that one should always have a portion of ones savings in bonds. Specifically, he mentions SERIES ...
2
votes
1answer
45 views

Are the inheritance laws different for a green card holding spouse in the U.S. vs a U.S. Citizen?

Spouse is concerned that she will not be given the same transfer as a wife who is a U.S. Citizen. My understanding is a spouse is a spouse, but looking for confirmation.

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