3
votes
1answer
102 views
+100

Why do volatility stocks/ETFs (TVIX, VXX, UVXY) trend down in the long-term?

I've noticed that stocks/ETFs that measure volatility (TVIX, VXX, UVXY, XVZ) are all trending down massively (eg VXX going from $7000/share on 3/09 and on 6/16 it is around $16/share) in the long-term ...
3
votes
2answers
15k views

What is the difference between a perpetuity and an annuity?

Both an annuity and a perpetuity pay a stream of income on a periodic basis. What is the difference from the beneficiary's point of view? Possible differences might be: an annuity isn't payable ...
5
votes
3answers
6k views

What is the equation for an inflation adjusted annuity held in perpetuity?

What is the equation relating an initial investment, a fixed rate of return, an inflation rate, and a perpetual payment adjusted for that inflation rate?
5
votes
1answer
73 views

What solar panel subsidies does Australia have right now?

So I'm thinking about buying solar panels for my house. Only thing is I'm not sure whether to wait. I've been told that the value of solar power in Australia has remained largely the same - this is ...
1
vote
1answer
37 views

What type of low-cost stock index exchange-traded fund (ETF) would give the best long-term total return?

What type of low-cost stock index exchange-traded fund (ETF) would give the best long-term total return, based on historical stock market data? Would it be a narrow blue chip stock index or a broader ...
-3
votes
0answers
16 views
2
votes
1answer
166 views

Automatic Investment Plan - Non U.S resident

I am looking for any options to invest small amounts each month/quarter without commissions eating me up. As a U.S. resident and investing in a Mutual Fund, this is no problem. AIP programs Non U.S. ...
1
vote
1answer
27 views

Bank refuses to allow withdrawal due to ID/citizenship issues

My sister has a bank account--and a passbook as proof of that bank account, in China. She opened that bank account as a Chinese citizen with a Chinese ID, and it currently has approximately $35, 000 ...
4
votes
1answer
133 views

Social Security contribution of a J1 visa holder leaving U.S. permanently?

I was a J1 visa holder (post-doc) in the US for 18 months and contributed to Social Security. Since I am not going back to the U.S. again, am I eligible to get the money back? Thanks and regards JMV
2
votes
2answers
20 views

How can I get the most value from my employer's ESPP?

My employer offers an ESPP with the following details: 15% discount Max contribution is 15% of base salary Purchase transaction occurs on the last business day of the month Transaction settles 3 ...
3
votes
4answers
77 views

Withdraw funds with penalty or bear high management fees for 10 years?

I have a friend in the following situation: They worked with an investment manager to invest $300,000. The manager charges 1.5% of assets under management quarterly. The manager has invested all the ...
1
vote
4answers
34 views

Personal credit card for business expenses

If I have a personal credit card that is only used for business expenses, is there any disadvantage? The company is a sole prop. If the company becomes an LLC, will that make any difference?
1
vote
1answer
21 views

Can this check still be honored? [duplicate]

I recently found in my late husband's files, an uncashed payroll check dated 2/07/90 in amount of $557.74 which he apparently had overlooked. He passed in 2012. Is it even pos- sible to be ...
2
votes
1answer
183 views

Why naked call writing is risky compare to Covered call?

From my knowledge-- I know for sure that Covered Call: Requires you to owe underlying share before writing option and Naked call you don't have to but if you lose you are obligated to sell ...
3
votes
3answers
175 views

How much does a landlord pay in taxes?

I live in California, and am considering buying a house in Vancouver, WA, to rent it out to friends. What I don't know, and seem to have trouble finding the answer to, is: how much taxes would I pay ...
1
vote
1answer
21 views

When abroad, ATM or Bureau?

If I am travelling abroad, what it likely to give me a better exchange rate? Exchange Bureau Pull large sums of cash from an ATM Note; I've been told that using ATMs is actually cheaper if you do ...
2
votes
1answer
16 views

Using credit card balance transfer to pay Mortgage line of credit

I have a mortgage which has a credit margin at rate of 5.75% which I would like to get rid of as soon as possible. One strategy to lower the interest cost would be to using one of my credit card to ...
0
votes
1answer
676 views

I signed on as the co-signer on a car loan and somehow ended up being the primary name on the account

Okay. I know a person should never co-sign for anyone. I always have. This is why I feel so stupid but I signed on to a car loan 4 or 5 months ago for my ex. I was against it but the fact she was ...
1
vote
0answers
55 views

Living in Texas and remote working for job in NC. Should I pay state taxes for NC?

I am full time resident of Texas where there is no state tax but I am remote-working for company located in NC. Do I need to pay state tax for NC? Please help. Thanks in advance.
1
vote
3answers
103 views

Is it possible to improve stock purchase with limit orders accounting for volatility?

As a retail investor that puts a certain monthly amount into equity, I was wondering which is the best way to proceed when purchasing stocks. By best I mean the one that would allow me to purchase the ...
0
votes
0answers
16 views

Is it possible to send money from India to USA using Paypal?

I want to send $500 to a friend based in USA. But after searching on internet I was able to find that we could not send money to USA but on some websites I found we could send the money. Does anybody ...
0
votes
5answers
69 views

Is buying a home a good idea?

My husband and I have disagreed on this subject for a long time. He thinks buying a home is more of a burden than a good thing. We rent a nice house, and if something breaks we call property ...
2
votes
3answers
133 views

What exactly am I buying when I buy volatility

When I buy a share in a company, I buy a piece of the company, however small. In recent times, there is a lot of interest in trading volatility. Now my first question is: when i buy volatility (by ...
2
votes
4answers
726 views

Resources to begin trading from home?

Apologies in advance if this type of inquiry is inappropriate for this StackExchange. But it is a personal question, and it is about finance, so... Anyway, here is the backstory so far - I will try ...
1
vote
0answers
10 views

Tax return if worked partially in the UK and partially in Germany

I have worked from Jan to July 2015 in the UK and from Oct. to Dec. 2015 in Germany. I'm not sure if it makes sense for me to submit a tax return claim. (The tax year in the UK runs from April to ...
5
votes
1answer
1k views

Moving mid-year to a no-state-income-tax state (Indiana to Washington)

It is my understanding that if you move from one state to another mid-year, then, depending on the states and the details of the move, in each state, you are generally either taxed only on the exact ...
2
votes
2answers
170 views

Starting a LLC in the US from India - Am I self-employed or salaried?

I am Indian and I am planning to form a LLC in Delaware for my web development business (it will not have any physical presence in the US). It will be single member LLC to start with. So in India ...
1
vote
0answers
143 views

Purchase lottery / scratch off ticket in WA , Live in non gambling state

What if I buy a scratch off ticket or a powerball in WA and win some money, but I live in Utah, where gambling is not legal. Can I mail in my scratch off and use my Utah address for them to mail me ...
1
vote
2answers
30 views

Partner buy-out

I am in the process of buying out my partner, for a few reasons that are legitimate. To start let me say we are in an oil related buisness. The problem is he invested 140,000 for 45% a year and half ...
1
vote
1answer
39 views

Questions Regarding Part II form W-9S

I am on F-1 Visa and my school told me that I can get 1098 T for tuition waiver if I submit form W-9S. I have a question regarding Part II of form W-9S My Question : Since I haven't taken any ...
0
votes
1answer
21 views

Can I recharacterize my Roth since my income this year is foreign?

I moved abroad a couple years ago, but 2015 is the first year that I am claiming to be a bona fide foreign resident. I have been contributing to a Roth IRA for years. Filling out my return this year, ...
-1
votes
2answers
148 views

Bank Deposit Scam

I was on Instagram and saw someone's post abt making extra cash. I inboxed her for details. She said her manager will deposit funds into my acct. Then I would send them $2000 to split btwn the both of ...
0
votes
4answers
40 views

How does a online only bank protect itself against fraud?

I'm sure this is a very broad question. I wanted to know your thoughts and possibly reading sources on What are the top 2-3 ways that criminals conduct online fraud? IS there any data that I can ...
5
votes
3answers
767 views

Is there a dollar amount that, when adding Massachusetts Sales Tax, precisely equals $200?

I am confused about calculating Massachusetts Sales Tax (6.25%). Is there such an amount, that when added to its sales tax, equals $200? The reason I ask is because my business has been charging $...
1
vote
1answer
22 views

How to represent Company return

I was doing W2 contract work and received my W2s. The company I was contracting for contacted me and claimed they had withheld too much money for city taxes and are returning it to me via fedex in the ...
1
vote
1answer
14 views

Credit influence of transferring debt to new account

I understand that the age of my accounts has an impact on my credit score. My oldest account, by a wide margin, is my federal student loan. I'm hoping to minimize my payments in size and/or how long I ...
0
votes
0answers
23 views

Who is a reputable Forex broker? [on hold]

There is so much spam in this industry that I do not know who to trust. Who is a reputable Forex broker in forex trading?
1
vote
1answer
16 views

Report taxes from U.S. dividends with Computershare and Questrade

I read that holding a U.S. stock in a Canadian non-registered account (or even a TFSA), the Canadian resident will pay withholding taxes. But in order to reduce the rate to 15% you'll need to fill out ...
26
votes
7answers
6k views

What risks are there acting as a broker between PayPal and electronic bank transfers?

I have a company offering a position as a transaction representative, they're located in Poland and say they can't take direct payments or use Paypal due to "money amount limits" on Paypal there. ...
11
votes
7answers
951 views

Understanding the phrase “afford to lose” better

The phrase, "Only invest what you can afford to lose", when put in quotes, generates 167,000 Google hits and seems to me like one of the hoariest maxims in investing. But what does it mean? ...
2
votes
3answers
72 views

How to pay down credit card debt

Last year I was at a good university and I decided to quit my job and take on a huge load of classes in order to finish in two semesters. I have a wife and a child and the student loans are based off ...
63
votes
13answers
22k views

I cosigned for a friend who is not paying the payment

I cosigned for a loan for a friend. He has now moved away and is not making payments. I have been asked to pay--they even called my job--and I need to keep my credit. The payments are too high for me ...
6
votes
4answers
792 views

At what point is it most advantageous to cease depositing into a 401k?

I have a spreadsheet that shows me some various statistics about my 401k and I notice that assuming an average overall growth of 10%, my 401k contribution will be less than 1% of the yearly gain of ...
1
vote
1answer
37 views

Saving in foreign currencies

I live in the UK and am looking at opening a USD account. The primary reason for this is that I work for an American company whose employee share plan deals in USD, so it is required for that. However,...
1
vote
1answer
69 views

Can an employer refuse to remove a spouse who recently acquired their own health insurance coverage?

My spouse recently took a new position with benefits. Where I have been providing benefits through my employer I contacted them and ask to remove my spouse. At first, they said not a qualifying ...
1
vote
1answer
62 views

What is this coin and what is its value in INR?

I have a coin like currency with me.We all have gone mad thinking what it is.Help me find what is this. Front: Back:
-3
votes
2answers
34 views

Are there brokers or companies who trade Forex and make money for us on our investment? And do you think fxtradeinvestment is legit?

So I was looking for some extra income and found forex is a good way to earn a little extra money. I want to know whether there are companies or brokers who trade forex for us and pay us on our ...

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