0
votes
2answers
2k views

Where to report 1042-S income and federal tax withheld on form 1040?

Since I have become a resident alien of the U.S., I still received a 1042-S from my school because the school was not aware of the change of residency. The school refuses to change the forms and ...
7
votes
3answers
1k views

Mortgage sold to yet another servicer. What are my options?

I purchased my first home back in June (roughly 2.5 months ago) with a smaller, but very reputable, mortgage firm in the area (Maryland). It has great reviews online, and everyone whom I know that has ...
4
votes
1answer
562 views

Fair Market Value Vs. Assessed Value

As my research, there are two criteria on home values. Market Value and Assessed Value. Market Value used between buyer and seller to get agree on sales price and Assessed Value is used to calculate ...
1
vote
1answer
527 views

Income tax implications in India: sending money to ordinary OWN saving bank account

Could someone help on following: Please consider I am on work permit In EU and have not worked a single day in Inida in entire financial year Would I have to pay income tax other then TDS on ...
2
votes
2answers
169 views

What is this option offering me on my loan repayment?

I was just updating my auto-repayment for my student loan, when I was given the following option: I am not sure what the difference is here between these two options - why would allowing interest ...
1
vote
0answers
62 views

Price drop protection on Apple iPhone

Two of my credit cards (Discover and Citi) have programs for cardholders that allow you to buy a product and if the price drops in certain amount of time, file a requests to be reimbursed the ...
1
vote
1answer
157 views

What is the psychology behind the Dead Cat Bounce Pattern?

With the turmoil that hit most markets in the last two weeks followed by a small recovery late last week, are we seeing a classical Dead Cat Bounce appear infront of our eyes? Looking at the charts ...
0
votes
1answer
98 views

Stock Options for a company bought out in cash and stock

I have 3 options in August for the $195 call strike. The company was just bought out for $230 dollars which was $125 cash and the rest in stock. What is my option worth since part of it is in the ...
1
vote
2answers
41 views

Effect of taxation changes for an employed landlord (£40K) with a rental property that breaks even

What effect do the recent changes to UK taxation have on a landlord with employment income of about £40K and a unfurnished rental property that just about breaks even? (E.g. the rent just about ...
34
votes
7answers
4k views

Ethics and investment

I am a young man who has recently reached a point of financial stability. I'm starting to think about long-term plans which may one day buy a home, or provide for myself in old age. This raises the ...
3
votes
2answers
133 views

What's the reason I can't have insurance with more than one company?

Excuse my pure ignorance on this matter, I barely understand the basics of any insurance. When I first moved to the UK years ago I have been told that I can't have life, health, car, contents ...
4
votes
2answers
220 views

Buy to Let - Daughter-in-Law

My son and daughter-in-law are currently separated. They have 2 kids, and I have a great relationship with my daughter-in-law. I have had a relative die, and she is paying over the odds for rent, so I ...
0
votes
3answers
247 views

Priced out of London property market. What are my accommodation investment options?

I'm from the UK, I don't have any debt and have some savings that could get me a mortgage somewhere but not where I currently live in London. At the moment I pay low rent but I'm very keen to divert ...
1
vote
1answer
70 views

What does it mean to borrow short and lend long?

What does it mean that institution borrowed short and lent long?it would be great if u may use a comprehensive example. Thank you very much.
0
votes
1answer
71 views

Best way to maximize current income from stock market as a low income person

Due to some health problems it is quite difficult for me to work full time. I get my income from odd jobs and on-line surveys. I was wondering what the best way to maximize some of that income. ...
0
votes
0answers
26 views

Daily personal financial calculations [on hold]

What are some daily financial calculation that a person must do to predict or analyse his/her past or future profit and losses? I am actually building a test app for this. So if possible please also ...
0
votes
0answers
45 views

Collateral loan

My boyfriend put up money as collateral for a 3 yr loan for me. I have paid the note of $225 a month for 2 yrs. The note matured after only two years and my boyfriend passed away a year ago. I tried ...
0
votes
1answer
30 views

Mutual Funds merger

If I have 977 units of a mutual fund and after 5 years it merges with another mutual fund within same company. How much unit of new mutual fund will I be having?
2
votes
1answer
61 views

If bonds' current yields soar, then should you hold yours until maturity?

[Source:] To be able to hold a bond to maturity, you need to have the discipline to hold on, even if the value shifts dramatically. In 2012, that means that if our ridiculously low interest rates ...
1
vote
1answer
89 views

Credit limit decrease in order to get a credit limit increase?

I just opened a new credit card because it gives me better cash back on the things that I purchase. However, it has a credit limit that is only 1/3 of that of my existing card. Just before I got the ...
3
votes
1answer
51 views

Renting out rooms in my home, what's the proper way to deal with utilities for tax purposes?

I rent out two rooms in my home. Currently we split the utility bill between 3 people, i.e. the utility bill is in my name, and I pay the utilities and then get reimbursed for the other two thirds by ...
5
votes
2answers
4k views

What does it mean to long convexity of options?

In this Bloomberg video, Curnett talks about volatility and the convexity of options. Specifically, he says; "The spread between the VIX sitting there at 20 for a period of time and this realized ...
0
votes
1answer
36 views

Fetching technical indicators from yahoo api

I am trying to get RSI indicator from yahoo finance api. so far I can get quote in CSV format, but there seems no api for specific indicator such as RSI. Anyone knows how ? thanks
-2
votes
0answers
16 views

What will be the impact of the Euro’s devaluation on Coca Cola’s margins and Net Income?

I think this is straight forward but I have been working on this and would appreciate any insight from anyone wanting to take a stab at the following. Thanks in advance! Coca Cola Europe sells 80% ...
3
votes
2answers
1k views

How does mortgage payoff work logistically?

Let's say I am in a position to pay off a mortgage. I understand that there is a "payoff amount" that may not correspond to my balance due to various escrow and interest calculations. What I'm not ...
4
votes
1answer
474 views

What are the effects of interest rate changes on long-term bond ETFs?

I realize this question has been asked a bunch of different ways over the years, but I was hoping to get specific opinions on how a Fed interest rate increases will affect long term bond ETFs (i.e.- ...
4
votes
3answers
2k views

1000 pound to invest

Apologies if this question is of incredible "noobish" nature, but this is something that's been bugging me of recent. So, suppose I have a thousand laying in front of me, what are my targets for ...
0
votes
0answers
15 views

Reliance natural resources funds bought in 2008 in India

I have Reliance natural resources funds which I bought in 2008 and it got merged with reliance vision . Number of units are 977.995 , Load Rs. 0.2250, Nav Rs. 10 . I am wondering what is the ...
3
votes
1answer
57 views

Does LendingClub's quick screening impact credit score?

I'm new to the US and trying to get a loan for buying a car. I know it's hard to get a loan without credit history, but I just clicked around. I typed some information from the homepage of ...
0
votes
0answers
8 views

Can Quickbooks track product sales this way?

I'm still using Quicken to track my business financials. I have yet to find a need for Quickbooks. But this might be one: I need to track more detailed sales of my products. These are virtual ...
0
votes
0answers
9 views

Employer Tuition Repayment [migrated]

1 year ago, I accepted a new job with an education budget included. I turned down their initial job offer. When they asked if there was anything that could entice me to reconsider, I countered with ...
2
votes
2answers
37 views

Selling mutual fund and buying equivalent ETF: Can I 1031 exchange?

I have a taxable investment account consisting of Vanguard mutual funds that I have held for less than a year. I recently learned that ETFs are more tax efficient in nature because the managers don't ...
3
votes
2answers
61 views

How to get individual long-term disability insurance when you already have a group LTD plan with your employer?

I am a tech worker. My employer offers group LTD that covers 60% of my salary? I went out in the market to get an individual policy but my agent cannot find a company who will underwrite a policy with ...
1
vote
1answer
55 views

MasterCard PayPass requires pin. What's going wrong?

Two days ago I was in Tampere and tried to pay with my credit card (it is Raiffeisen Bank MasterCard which supports PayPass technology). I have never paid using it before but I was pretty sure that it ...
1
vote
0answers
17 views

Capital gains tax from selling Canadian property for Canadian non-resident

Case: Capital Gain Tax Implications for House in Toronto, ON Purchase value of House in 2000: $230,000 Potential Sale value in 2015: $650,000 Joint-owners: David & Rebecca, married and both are ...
-1
votes
3answers
334 views

Recommended education path for a future individual investor?

I'm an 18 year old who wants to become a individual investor. My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life ...
2
votes
2answers
356 views

Trading on exchanges or via brokerage companies?

I was wondering what relations are between brokerage companies and exchanges? Are brokers representing investors to trade on exchanges? For individual investors, what are some cons and pros of ...
3
votes
2answers
160 views

How does one make money with a bond fund?

I have looked at the "What is a bond fund?" question and this wasn't addressed. Which of these are applicable (and is there anything tricky to understand about it in this case)? You can sell ...
-2
votes
0answers
32 views

Why does a bond ETF's price not decrease by the amount of the dividend, after dividend payment?

Abbreviate 'stock ETFs' as SETFs, and 'bond ETFs' BETFs. [1.] Stock funds and bonds funds collect income dividends in different ways. Stock funds collect dividends (as well as any capital gains ...
6
votes
4answers
3k views

Is it bad practice to invest in stocks that fluctuate by single points throughout the day?

It seems like a no-brainer to me: Find a cheap stock with a good name (Dell, FB, Sony) that fluctuates by a few dollars per day (between -$2 and +$2), and is consistent in the fluctuation throughout ...
3
votes
5answers
420 views

Why do stocks go up? Is it due to companies performing well, or what else? [duplicate]

I searched for this question but I didn't get any convincing answer. What everyone says is that if a company does well (I assume this means the company has good returns on its projects) then people ...
-2
votes
0answers
32 views

If the stock price decreases before it increases, your lower limit order will cause a loss?

I ask NOT about the merits of this alleged strategy, which I abridge. The OP proposed to: Find a stock that fluctuates by a few dollars daily (between -$2 and +$2). Buy S shares using ...
2
votes
1answer
206 views

30-year-old saved $30,000: what should I do with it?

I'm a 30-year-old living in NYC with a decent job, not married / no kids. I've now saved $30K and it's just sitting in a savings account, earning next to nothing. I have never invested in the stock ...
1
vote
1answer
102 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. ...
2
votes
1answer
68 views

What is HSA contribution limit with 75% HRA compensation?

I have HDHP family plan through my employer with $3000 family deductible. My employer also has HRA that covers all my expenses after 750$ and before $3000 (=75% of 3000 deductible). I claimed only ...
5
votes
3answers
1k views

Can we estimate the impact of a large buy order on the share price?

What I am trying to understand is: If we know the number of shares a company trades and the current price of the share, can we estimate what volume of trade that is required to move the share price in ...
18
votes
5answers
1k views

Why would I buy a Bond at a Negative Interest rate?

I read recently that France is selling bonds at Negative Interest Rates. I understand why this is beneficial for France, but why in the world would I pay money to let someone hold my money?
0
votes
1answer
118 views

Why invest in money market funds, when its return is lower than a high-rate savings account?

RateSupermarket.ca displays, for a deposit of $50,000 CDN, high-rate savings accounts (abbreviated as HRSA) that yield as highly as 1.75% from Implicity Financial, 1.50% from Scotiabank, and 1.05% ...
4
votes
2answers
152 views

Seller is eager to offer a nice-looking house on a rent-to-own scheme: could this be some kind of scam?

A couple of years ago I was looking to move from the townhouse I was renting. After checking the rental adverts at craigslist I made an appointment to see an townhouse that looked quite nice and clean ...
4
votes
3answers
2k views

What if I'm named on the deed but not on the mortgage and my boyfriend moves out?

7 months ago my boyfriend and I purchased a home together. I am named on the deed but not on the mortgage. He has moved out and I have agreed to make the mortgage payments myself so that I do not have ...

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