0
votes
0answers
13 views

My checking account used to be joint- can I still use the checks with both names?

I have a checking account for bills that I mostly use a debit card for, but I need to pay something by check now. This account used to be a joint one with my mom when I was a kid, but we took her off ...
0
votes
0answers
18 views

Should I become a landlord (effort required for positive cash flow) or keep the money in ETFs until I settle down?

Serious answers only. I'm 22 years old, I started working full-time 5 months ago, and I'm trying to decide if it's better to spend the time, effort and money to invest in a townhouse and become a ...
0
votes
1answer
14 views

Investing in grandfathers name to save tax in India

I was looking for saving tax by investing/gifting to parents. My father/mother is paying tax, instead can I gift my money to grandfather to save tax ? Grandfather does earns so easily 20 lakh could ...
0
votes
0answers
4 views

Can I use a single W-9 to redeem multiple foreign bonds?

I have two small Israeli bonds that I was given as a child which matured years ago. They're identical apart from their certificate number. Can I send them both with a single W-9 at the same time? Is ...
0
votes
0answers
16 views

Backdating employment start date

Is it possible to backdate employment start date and tell HMRC. I have been working part time for my current employer since april 2018 and just now I found out from employer that he hasn't told HMRC ...
0
votes
0answers
8 views

Sweden: Base salary with taxable benefits

I am discussing a job offer in Sweden and has been offered a base salary with taxable benefits added on top of that. I am happy with the take-home amount but I have the following concerns: What sort ...
0
votes
0answers
7 views

I own a corporation taxed as an S corp which hires me to do web development/consulting. Does the company income qualify as QBI under the TCJA?

The Tax Cuts and Jobs Act (TCJA) defines a qualified trade or business as exluding a "specified service trade or business" and lists "consulting" in the list of business types. But then it makes an ...
1
vote
0answers
17 views

Simpler way of calculating duration for bonds?

So the question is: Find the duration of a 6% coupon bond making annual coupon payments if it has 3 years until maturity and has a yield to maturity of 6%. What is the duration if the yield to ...
1
vote
1answer
13 views

Does sigma in Black-Scholes attempt to take into account future events?

I am learning basic information about Black-Scholes wrt options pricing. I see that the standard deviation of the stock price is taken into account. This seems to only rely on existing (historical) ...
2
votes
1answer
11 views

What are the HSA limits with spouse having separate health plan and me with a child?

According to the open enrollment table in my HR guide, the 2019 HSA limits are: EE Only $3,500 EE + Spouse or EE + Child(ren) $7,000 My spouse has her own HDHP ...
0
votes
0answers
24 views

What causes the fluctuations of OTC market?

As far as I know, the orders for OTC market are all placed prior to the opening of the market for that day, which makes the trade of a specific stock to be known. I was wondering what is the root ...
-2
votes
0answers
29 views

Total Operating Costs as a proxy for bank size [on hold]

There is an extensive body of literature regarding the size of (commercial) banks and the effects on profitability, efficiency, etc. However, all of those papers proxy the size of a bank by its total ...
1
vote
2answers
20 views

Is the limiting factor in the volume of the options market options sellers or option buyers?

For example, options trade volume is less than that of equities, and most option trading is concentrated amongst a small group of top companies. However, that doesn't mean that there are profitable ...
2
votes
1answer
64 views

Cash Transaction For Real Estate or Otherwise

When a seller of property of significant value or even an expensive exotic car requires a "cash purchase", possibly amounting to millions, is that actual cash - meaning buyers are hauling around ...
0
votes
1answer
22 views

Complete list of US Public and Private Companies by Sector [on hold]

Where is the best place to go for a free public data set of all US private and public US companies by industry or sector?
1
vote
1answer
46 views

Relocation confusion

In the UK the government has rules on relocation. https://www.gov.uk/expenses-and-benefits-relocation/what-to-report-and-pay It states that I do not have to report qualifying costs up to 8k. I have ...
1
vote
1answer
50 views

How can an EU citizen best hedge NASDAQ?

Background: I have a NASDAQ-heavy portfolio, and wanted to use the SQQQ ETF (Short leveraged Nasdaq-100 ETF) as a way to hedge on days when I expect the whole index to go down (one sub-question here ...
0
votes
1answer
93 views

Who are the holders of stocks on the market?

Is there a source that documents who are the holders of stocks on the market? I am especially interested in the distribution of big players such as BlackRock, Vanguard and private investors. I.e. 70% ...
-1
votes
3answers
75 views

Investments with constant change of residence around the world

Let's suppose I have a given amount of money that I desire to invest for a long-term goal, e.g. 15-20 years, and that my job makes me change residency in several parts of the world, i.e. during this ...
0
votes
2answers
59 views

How many lots of total volume one needs to trade for market to start reacting?

When trading penny stocks one can easily experience this effect, you buy a huge volume and it raises the price and everyone else starts buying then you stop and start selling and price plummets (...
2
votes
1answer
131 views

Warren Buffet's calculation of the value of the company - very low discounting rate

I was read the book "The Buffett Way". The book claims that Warren Buffett uses a simple calculation to calculate the intrinsic value of a company. The regular way is to estimate future earnings &...
1
vote
0answers
12 views

Money transfer from India [duplicate]

I am a green card holder in US, my mother wants to gift me $6000. I want to know if there are any laws that prevent me to accepting the monies as gift? Will I have to declare it in my return? Will she ...
1
vote
2answers
64 views

What are things to look for when buying home insurance?

Rolling around to another insurance renewal period on my homeowner's policy. Aside from the premium and deductible (lower is better) and the coverage level (higher is better), what are the ...
1
vote
1answer
35 views

Is The Federal Reserve's Balance Sheet Captured in any of the Money Supply Figures? [on hold]

Is the $4T balance sheet captured in any of the money supply estimates or is it separate? Thank you in advance for your consideration and response.
22
votes
3answers
10k views

I've been scammed, but have the scammer's bank information

I was scammed by a person who 'rented' us a home that was listed for sale that he didn't own. There were a lot of red flags along the way, and I noticed them, but didn't act as we were desperate to ...
3
votes
1answer
83 views

When a stock is replaced in an index, does the ETF incur a net loss?

Suppose I have invested in ETF VOO. This ETF tracks the Vanguard S&PP 500. If a stock such as Goodyear (GT) that is contained in the S&P500 gets removed and replaced with another stock such as ...
1
vote
1answer
21 views

A question about CAPEX when Calculating Free Cash Flow (FCF)

When performing the following to determine free cash flow: Free Cash Flow = Operating Cash Flow - Capital Expenditures Do I include only Capital Expenditures (13,732 in the example below), or do I ...
1
vote
0answers
25 views

Do HUD settlement statements get sent to the federal government?

One of the forms I see prepared for a real estate transaction I am doing is a "HUD Settlement Statement". I am paying cash, but the form refers to me as a "borrower". The top of the form looks like ...
2
votes
4answers
260 views

What is the meaning of the Mega-Million's Cash Option - Avoiding lottery's winning taxes

The current Mega Millions jackpot is standing on $868 Million USD, while the Cash Option for the same Jackpot is $494 Million USD. The winner of any of Mega Million's jackpot has two options to ...
2
votes
1answer
73 views

Do I not qualify for any education tax breaks?

I'm planning on going back to school for a graduate degree. Looking at the different tax breaks I could find related to education: The American Opportunity tax credit: This is not an undergraduate ...
1
vote
3answers
67 views

Understanding bond ETFs

I am failing to understand the bond ETFs. I somewhat understand stock ETFs: ETFs own stocks, I buy a part of ETF, therefore, I also indirectly own stocks. When I sell my share of ETF, the ETF gets ...
1
vote
1answer
93 views

Is it safe to have money transferred to verify a credit card?

I tried to make a booking. I am required to have a credit card. I don't pay via credit card, I just have to demonstrate that in case I don't come to the hotel, they can take the fee equal to the price ...
-1
votes
0answers
42 views

ACH payments not completed for two consecutive months

Why would a vendors ACH request for payment be rejected if the consumer/payees account had authorized payment and had more than sufficient funds to complete the ACH properly?
2
votes
1answer
139 views

Credit card charged for something that should be free. Am I out of luck?

I travelled to Fujian last week and rented a bike for 10 times. The bike company was offering a promotion to everyone at local resident rate, which meant free rental for initial 4 hours. The fee ...
0
votes
1answer
49 views

money transfer to US for medical treatment

I am going to the US for medical treatment for which I need to pay INR 25 lakhs to a hospital. What is the procedure to transfer the money? What is the limit per transfer? Is the transfer taxable?
2
votes
2answers
130 views

Tax implication when receiving Bitcoin gift from foreign relative?

Does the recipient has to pay tax, or report receiving the Bitcoin? receiving: US, sending: China. Edit: receiving gift.
3
votes
1answer
90 views

How many open credit card accounts do issuers like to see when someone applies for a new credit card?

How many open credit card accounts do issuers like to see (according to some formula or rulebook) when someone applies for a new credit card? Specifically when each card is in good standing and paid ...
65
votes
8answers
16k views

How is Bitcoin useful as a currency if so few services accept it?

I've done research on bitcoin and I know what it is and how it works, kinda. I've even built a small block chain app. Here's the question, what I don't understand and I haven't been able to find ...
4
votes
2answers
2k views

What do I do if an IRS check doesn't arrive?

We got a letter from the IRS stating that we get a substantial refund for a tax withholding. However, the check never arrived even after waiting for a couple of months. (On top of that: We live ...
-1
votes
0answers
29 views

natural resources investment trust - were you able to locate this firm? [on hold]

I have been victim of an elaborate scam concerning a buyout and the firm Burke Law who initiated the offer. Would like some guidance as to how I can make them pay me my dues the latest email suggests ...
0
votes
1answer
15 views

Implied volatility vs implied pdf

Good morning. I'm trying to download the implied volatility for at-the-money options on Eurodollar future 3 month. Is there some way to find it? Can it be calculated from the probability distribution ...
0
votes
0answers
17 views

What is the difference between a commercial bill and debenture?

Other than that debenture is long term and commercial bills are short term, how do they differ?
0
votes
0answers
43 views

Are most online transactions password protected with visa debit cards?

For UK banks, does the website that you are using to pay online have to be part of Verified by Visa or is it your bank that handles it all? If you have a Visa debit card, will all transactions be ...
0
votes
0answers
12 views

How to enter correct amount in Non-US tax return in CSS Profile?

My question is regarding the vagueness of the point underlined in red in the picture below. How can I differentiate what amounts to put in "wages, salaries, commissions and tips" and the amounts from "...
5
votes
2answers
150 views

What’s the cheapest way to cash a US dollar cheque in the UK

I have received a US dollar cheque but I live and bank in the UK. I asked my bank (LloydsTSB) and while they will cash it, it’s very expensive. What is the best way to cash a US dollar cheque in the ...
1
vote
1answer
27 views

Why are quarterly EPS values different on different sites?

Looking up EPS values for several companies I noticed that sometimes webpages (e.g. marketwatch.com, iextrading.com) report different values than the ones found on the SEC 10-Q filings. Why does this ...
1
vote
1answer
87 views

If a church does not ask for 501(c)3 exemption, are charitable contributions to it tax exempt?

In the United States, most churches file for 501(c)3 tax exemption. Some churches choose not to, sometimes as a matter of belief that they should not be "licensed" in any way by a government. It is ...
1
vote
1answer
120 views

Can a life insurance policy benefit be paid if the estate is contested?

My grandfather passed away and left an insurance policy in my name. My mother is contesting the last will and testament due to another family member completing fraudulent acts with my grandfather's ...
6
votes
1answer
2k views

How can a foreigner cash an American cheque in the US?

What is the best way to cash a cheque I have received as compensation? We are from Britain.
0
votes
2answers
120 views

how to find out if a company has stock/shares to invest in?

Scenario: Lets say I'm walking down main street and a company or two catch my eye as possible investment opportunities. How do I go about finding if they have stock/shares to invest in? Some may ...

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