0
votes
0answers
5 views

Which state shall I report my tax to?

I lived in Maryland state the whole 2013 year and the first 20 days of 2014, and then have moved to New York State since. I haven't had any income from Maryland since beginning of 2014, and I expect ...
-3
votes
0answers
7 views

What is the discount rate in the real project

how can i analysis discount rate and effect of discount rate in to the financial analysis for country have a capital control how can solve the problem for fiance the project in the analysis of fiance ...
-2
votes
0answers
16 views

Shared home ownership issue

A close friend purchased a home jointly with a woman in some ten or more years ago, I married couple. Within the first year the woman left the home leaving behind her daughter from another ...
0
votes
0answers
12 views

What diference are between carryover and carryforward in U.S. individual tax?

What diference are between carryover and carryforward in U.S. individual tax? Are they both to apply some current things to the taxes in the future? Carryover looks like only applied to the capital ...
1
vote
1answer
19 views

Do Credit card companies only process your transactions or pay for them?

Or do they actually pay for your transactions using money they've borrowed from the issuing bank ? ie, is the bank lending the credit card holder the money or is the bank lending money to the credit ...
1
vote
1answer
28 views

Can I withdraw cash from selling investments before the settlement date?

If I sell stocks, will I be able to withdraw cash from the proceeds that same day or will I have to wait until the T+3 settlement date? Does it depend on the brokerage?
0
votes
0answers
16 views

What to do about a single account collected on twice, then written off on credit report?

I had a company collect a debt based on a settlement agreement for a cell phone I used to have. I had them send me a letter confirming the settlement of course, which I still have. A few months later, ...
3
votes
2answers
167 views

Can I claim the foreign earned income exclusion for remote work?

See the requirements here: http://www.irs.gov/Individuals/International-Taxpayers/Foreign-Earned-Income-Exclusion---Requirements I'm currently living in Costa Rica. Assuming I live out of the US at ...
1
vote
1answer
22 views

How to check about my unfiled tax return 15 yrs ago in the US or how to determine if I still have unpaid taxes to pay

I believe I may have some unfiled tax return in the US 15yrs ago. Although I filed for the 1st yr of my employment before and paid my taxes my last remaining months back then I believe I left without ...
1
vote
3answers
104 views

Loss from selling mutual funds and tax in U.S

In my last year's tax form (1099 form) from a brokerage company (TD Ameritrade), I don't find my loss realized when I sold some mutual funds last year. TD Ameritrade said that the 1099 doesn't ...
1
vote
1answer
498 views

How many dollars I can transfer to my Indian bank account without letting IRS know?

Could someone please let me know how much money I would be able to transfer to India from my US bank account to my regular bank account. Do I have to let IRS know about it? What are the TAX Rules? I ...
3
votes
1answer
62 views

MasterCard/Visa: For my second card should I stay with the same network?

I have a card in a country, and want to create another card in another country for convenience reasons. Let's say the terms of both networks are very similar for me, so I have no special reason to ...
0
votes
1answer
24 views

Accounting for paying bills for (and being reimbursed by) another person

I an currently using Gnucash to manage my expenses. I am new to double-entry accounting and find many aspects of it to be confusing. Here's a situation that currently happens monthly. I'd like to know ...
0
votes
1answer
26 views

How early in a year can one report tax in U.S.?

Each year, I am almost always behind in reporting my tax. Besides I am often busy and may be forgetful, there are other reasons: Firstly I am not sure when W-2 forms, 1099 forms, ..., and other tax ...
30
votes
15answers
9k views

I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment?

I carelessly invested on stock on a spike (I have been persuaded by a family member) and now my investment value is really low, as you can see below. Is there anyway to salvage my investment for ...
1
vote
1answer
22 views

Unclaimed Foreign Inheritance

I do not know where to start. My grandmother died in July 2011 in Guangzhou, China (she is a Chinese citizen). She owned an apartment, and money in her bank account(s). The biggest problem in this ...
3
votes
1answer
85 views

Can this year's free extension-to-pay be filed electronically? IRS Form 1127

Does anyone know if IRS Form 1127 can be filed electronically? I didn't find mention on their site either way so I presume not. But considering they're pushing to go paperless nowadays like most.... ...
-1
votes
0answers
33 views

How to take advantage of a credit card balance transfer offer

My credit card company is giving this1 time only offer: Since my limit is 8000 and since I spent only 2000 this month, 95% of the balance =5700 $...they would like to deposit in my checking account. ...
6
votes
1answer
204 views

What is a rule of thumb for accruing debt on a rental property?

My sister and I were fortunate enough to inherit 2 properties from my father, one a suite of apartments and cottages worth about ~$3M and also his home. We currently have about $200K in mortgage ...
5
votes
2answers
95 views

Am I doing the math for this covered call/long put strategy correctly? What risks do I run with this strategy?

In this trade, I write an in-the-money covered call and buy an in-the-money put (as an example) on GM, expiring in September 2014. The call premium is $10.02 with a strike of $26, and the put premium ...
14
votes
13answers
701 views

What should I be aware of as a young investor?

I'm 19 years old and am keen on investing in blue-chip companies. What should I take note of?
-2
votes
1answer
26 views

What is the discount rate of a bond by default? [on hold]

What's the rate, and what's the compounding (annual, semi-annual)?
3
votes
4answers
131 views

What are some options for sending and receiving money electronically?

I occasionally sell items via Kijiji and Craigslist in Canada, and while cash is convenient sometimes it's easier to do electronic transfers, or even have the ability to accept credit card in person. ...
24
votes
7answers
4k views

What are some creative ways to run up my credit card bill without any cost to me?

I got a new credit card with a very large signup bonus - as long as a minimum amount is spent on the card in the first 3 months. I usually don't go for things like this but in this case the bonus is ...
9
votes
5answers
2k views

Why do people buy stocks that pay no dividend?

Before recently, Apple Inc. did not give dividend to shareholders. This makes me curious why people buy Apple Inc. stocks; while it might be due to the expectation of selling stocks at a higher ...
14
votes
3answers
10k views

What to ask for on a business partnership?

I am being asked to provide technical expertise on a technology entrepreneurship. They are offering me equity of the business, in exchange of my work/commitment. I know they will require a capital ...
-1
votes
0answers
34 views

Looking for expense software that has these three features [on hold]

I've been having a hell of a time finding expense software that has three features: To reconcile with my banks accounts and credit card accounts Can accept digital pictures of my receipts, and ...
4
votes
1answer
42 views

Whats the difference between a qualified and an unqualified covered call?

I own various shares that I want to start writing covered calls on but I've heard about differences between "qualified" and "unqualified" covered calls. What's the difference? All I can find is that ...
-1
votes
0answers
36 views

Consolidated personal finances tracking solution [on hold]

I'm looking for some way to automatically collect my transactions and balances from my various accounts, add up what I have, subtract what I owe, and show me how things stand. There's my main ...
-4
votes
0answers
34 views

Why don't we discount the present value? [on hold]

Shouldn't we discount 379.08 by 1.1^(334/365)?
4
votes
1answer
103 views

Where to save money in preparation of buying second house?

We just purchased a house last year with 20% down payment on a 30yr fixed mortgage. Everything finally settle down (remodeling, new furniture etc.) and we're on track of saving again. We don't have ...
4
votes
1answer
35 views

Should I convert all my money to local currency when I study abroad?

I'm just turning 21 so I really have no experience with currencies and banking systems. This is the first time I travel outside my mother country. I'm accepted in a postgraduate study program and I ...
2
votes
3answers
119 views

What is a good price to “Roll” a Covered Call?

For an already initiated Covered Call, I wanted to ask if there is an optimal price to roll? For instance, if I buy/write a stock worth $10 with a strike price of $12, I can be faced with 3 scenarios ...
3
votes
2answers
538 views

I specified the wrong IBAN number when transferring money to a UK bank. How can I correct this?

I transferred money to a UK bank from outside of the UK, but I specified the IBAN number for an individual by mistake. The bank transferred the money to the individual instead of the bank, even though ...
6
votes
1answer
52 views

Low risk withdrawal from market. Is there a converse to dollar-cost-averaging?

In the article by Carson C Chow linked by "The mathematics of dollar cost averaging" it is explained that investing a fixed amount of money each time period gives a lower expected cost per stock than ...
3
votes
1answer
82 views

Do I build credit at the same rate when my wife and I share a card?

I searched for this question and found a similar one but wasn't able to find the answer to specifically what I'm asking. My wife and I share a credit card. I believe that she's actually the primary ...
2
votes
2answers
4k views

Can you recommend good Excel spreadsheet templates for tracking spending?

I did use Microsoft Money to track my spending couple of years ago, then I switched to paper and pen and then switch to online money sites such as Wesabe, but none of them really worked out. The ...
3
votes
2answers
97 views

How do I find out the recent negative information on my credit score?

I am accessing my Experian credit report from their website. In the summary of my account there is a tab for "Negative Information", where it states that it has been 0.5 Years since the last time ...
1
vote
2answers
102 views
+100

Summary of analyst views

Is there a service (report, webpage, etc) that summarize views of different investment banks, research companies at a regional market level. For example: Equities US: JP Morgan: Overweight; BCA: ...
10
votes
2answers
626 views

When the market price for a stock is below a tender offer's price, is it free money (riskless) to buy shares & tender them?

For instance, on March 11, 2014, Jos A Bank (JOSB) agreed to be acquired by Men's Wearhouse for $65/share in cash. A tender offer to existing shareholders was set to expire on March 19th. On March ...
4
votes
5answers
3k views

Can signing up at optoutprescreen.com improve my credit score?

I recently discovered optoutprescreen.com, the "official Credit Reporting Industry website" for consumers to opt-out of credit offers. A lot of people recommend signing up there, simply to reduce ...
2
votes
2answers
79 views

Auto loan and student loan balance

I have a student loan of around INR 11,00,000 (~USD 18,240) at 13.7% APR. I have an auto loan in the US for USD 10,000 at 6.35% APR. I am aware of the high interest rate on my auto loan and wish to ...
2
votes
0answers
16 views

What is the added advantage of a broker being a member of NFA in addition to IIROC

If my broker is a member of the national futures association, what extra protection does it give me over the fact that it is also a member of IIROC? I am particularly referring to this: ...
2
votes
1answer
35 views

Futures margin requirements, can more than the initial margin be used to open a contract

Futures margin requirements can be a low percentage in relation to the size of the futures contract. Sometimes, you are only putting down 3% or less to profit from the price appreciation/depreciate ...
2
votes
2answers
109 views

Is it acceptable to balance transfer a credit card's balance to itself?

Is it acceptable to balance transfer credit card debt to the same card? Often, balance transfer promotions come as checks in the mail, and I learned that you may write that check to yourself and ...
10
votes
6answers
2k views

Put money in savings or pay towards mortgage?

Should we take our excess cash at the end of the month and put it in savings or put it towards our mortgage payment? We've been in our home 3 years and we already have some emergency money saved up. ...
11
votes
2answers
471 views

Own my home, have no debt, and must start taking RMDs on an Inherited IRA. What should I do?

My father passed away and I have a sizable amount of money in an inherited IRA (about 2 times my yearly salary). I don't have any debt to pay off as I already own my home, auto, no credit card debt, ...
0
votes
1answer
80 views

Automatic Extension online filing request gets denied w/ code R0000-052-01 - why?

I am trying to e-file, using the FreeFileFillableForms website, an extension request (F.4868). I have no tax due, and expect a couple of thousands in returns once I file the complete F.1040. ...
2
votes
1answer
54 views

How to contact the IRS to determine if your taxes have been filed by a CPA?

As a follow-up to my other question: How can I avoid being fined or penalized because my accountant might have failed to file my taxes on time? I have not received any contact from my CPA other than ...
0
votes
0answers
19 views

Bank Reconciliation HW Question [on hold]

I'm not sure if this is the right Stack Exchange for this question. If it isn't I apologize. I have an Accounting project I've been working on. It's a bank reconciliation using data provided. Bank ...

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