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votes
2answers
14 views

Protection against put-options writers bankruptcy

It's possible to hedge portfolio against the crisis by buying put-options. One thing that worrying me - what if insurers will be bankrupt when you need them the most. This crisis insurance (put-...
1
vote
1answer
42 views

Why 401K contribution as whole % rather than in 0.25% increment

I asked another question, and I can see there are reasons for employers to keep it in percentage instead of fix dollar amount. But what is harm in making it a fraction of a percent, like permitting ...
0
votes
0answers
12 views

How UCITs exactly affects to investors and how the brexit can affect to UCITs ETFs in the UK?

I'm trying to understand what is UCITs (Undertakings for Collective Investment in Transferable Securities Directive) and how it affects to investors. I have read this article: https://www....
0
votes
0answers
24 views

Wash Sale Rule Created loss

I bought 7000 shares of XYZ and sold 7000 shares of XYZ the same day and created a small profit. The transaction shows up correctly however the cost basis shows a loss of about 3 times the profit. ...
1
vote
0answers
25 views

Why'd it cost too much to start Canadian-listed ETFs that directly hold developing markets' stocks?

To wit, why isn't there an analogue of XEF (that holds developED markets' stocks) for developING markets? Foreign Withholding Taxes by Justin Bender and Bortolotti don't list this category. I'm not ...
1
vote
0answers
14 views

What taxes are owed by (dual) citizens that (usually) reside outside of Portugal?

If someone is a dual American/Portuguese citizen, they usually reside in the US (say, 10 months out of the year), and the work for an American company located in the US, would they owe income tax in ...
0
votes
2answers
41 views

Why does ETF creation and redemption involve longing and shorting?

These diagrams never moot shorting or longing for ETF creaption and redemption. Top to bottom: ETF.com, JustETF, Vaneck. So why does Paige Kyle (nee Corson) moot longing and shorting? She has ...
1
vote
3answers
39 views

Order Book - Does the price (ask or bid) depend on the size of the order?

I still haven't quite grasped the concept of order book. In fact I still have a few questions like the one in the title. I understand that in a market, at any given time, there is a list of pending ...
1
vote
2answers
111 views

Question about plausibility of an iffy financial transaction in a crime novel

This is a question about a financial transaction in a novel. At the denouement of the book, An elderly, naive, innocent, middle-class couple who have been bilked by a loan racket run by extremely ...
0
votes
1answer
80 views

Advice for an 18 year old about Investing?

I'm currently 18, I already have investments in a variety of conservative mutual funds through the Stash app, however I want to get into actually investing for extra income. I currently have a steady ...
0
votes
0answers
23 views

Is it okay for non-US citizen contractors living outside the US to be paid by US employers into their US bank accounts?

I'm in a unique situation with my US based employer. I'm an Indian citizen and after a year of working in the US, have had to move back to India. My employer would like me to continue working for them ...
7
votes
2answers
1k views

Dollar cost averaging vs buy low/sell high

It is often said that we should "Buy low, sell high". But we can't know when the market is at its low or high. Another phrase we hear is "dollar cost averaging" So my questions are: What should a ...
0
votes
0answers
25 views

Who is the “issuer” of an intra-group term loan?

I've tried googling and looking in financial terminology dictionaries to find an answer to this question but I have been unsuccessful so far. My question is quite simple: who is considered the issuer ...
1
vote
3answers
142 views

Is it a good idea to invest in gold as a safety against nation or worldwide economic crises? [duplicate]

Is it a good idea for someone in the middle class to invest in physical gold as a safe guard against economic crisis? If not, why not? If yes, still why? I'm also curious what percentage of savings ...
1
vote
0answers
23 views

How To Calculate Daily Volatility?

I'm working in SQL Server and I'm trying to find the daily volatility of a stock's price. Is it simply day2price/day2price-1? Is that considered daily volatility? Or, is there something else to it? ...
1
vote
1answer
46 views

When I write an option, do I have to pay interest on it? And can I invest the proceeds?

I have two closely related questions about what happens when I write a naked option. My understanding of short-selling a stock is that as long as the short position is open, my brokerage will (or ...
6
votes
4answers
1k views

Why 401k contribution as % of salary vs. fixed amount per pay check?

I am wondering why some companies do not let their employee choose a fix amount per pay check as a 401K contribution. In my all jobs it has been always a % of my salary, so I will chose a percentage ...
2
votes
0answers
32 views

What are the tax implications of a US account for a non-resident?

I've successfully opened a US checking bank account with Chase with my H1B-visa passport, listing the address of a friend of mine who is a national as my residence address. I've been wondering if ...
1
vote
0answers
22 views

“Smoothed” growth rate used to calculate implied equity risk premium

On Aswath Damodaran's website, he publishes an annual dataset that calculates the current equity risk premium implied by current market prices. The dataset can be found here: http://www.stern.nyu.edu/...
2
votes
0answers
99 views

If you are married, your house's capital gain is tax free for the first $500k. But what if your spouse is not a citizen?

If she is not a citizen or if she doesn't not have a green card yet, does this apply? I think the rule is that she also has to live in the house for 2 years in the past 5 years, so she will need to ...
0
votes
1answer
56 views

What is the advantage of creating a new basis for a valuable asset during an inheritance?

I understand that when a person dies and leaves an asset as a bequest, then a new cost basis is established for the asset. This can possibly be advantageous for taxes, but I don't see exactly how. ...
1
vote
1answer
103 views

18 year old building credit

I'm 18 and currently my credit score was 524, only because theres an overdue bill of $500 from when I was a minor in my derogatory marks. I have disputed it through credit karma for Tranunion and it ...
2
votes
1answer
76 views

Should I buy shares in public institutions when they are privatized? [on hold]

Recently, the government in my country has been privatising big institutions, selling shares mostly to its citizens. There is of course incentive to buy it from the government, they've been pushing ...
0
votes
0answers
146 views

Which Canadian online ETF screeners rank for distributions and dividends? [on hold]

I'm seeking a ETF screener that lets you: select only ETFs trading on Canadian exchanges. rank ETFs by their distribution or dividend yield. E.g. HMMJ pays distributions, not dividends. I found ...
0
votes
2answers
95 views

International transfer: who determines the exchange rate?

I live in country A and work for a company located in country B. Every month, my salary (in USD) is paid via international transfer, and an exchange rate is applied for converting it to my local ...
0
votes
0answers
46 views

What is a good free software for a home business? [on hold]

I want to start a small business from home. Wanting to keep my initial expenses to a minimum I am searching for a free software program to invoice my customers. Thank you
2
votes
1answer
143 views

Should my wife start working in December or in January

My wife got a job offer and we need to decide if tax-wise it's better for her to start in December 2019 or January 2020. Does her status of being employed or unemployed as of December 31st affect ...
0
votes
1answer
24 views

For a mutual fund - if jensen's alpha keeps increasing with time, then how does beta of the mutual fund get impacted with time?

I am building an excel model to calculate rolling alpha at a monthly level to analyze different equity mutual funds. Along with the rolling alpha, I am also calculating rolling absolute returns and ...
0
votes
1answer
90 views

Debit Card Risk

The platform privacy.com can utilize debit cards to fund transactions. If there is an error in funding the platform through the debit card or merchant transaction: Is the transaction 'final' in ...
1
vote
1answer
73 views

Non resident: Do I need to pay any state taxes for 2019?

I lived and worked in US in 2018 and filed both the federal tax and the state tax (CA) in 2019. I left US in 2018 Dec and settled in new country. For 2019, I got married and lived outside US for the ...
1
vote
1answer
106 views

Is a bank liable if a trader fails to comply with direct debit indemnity legislation?

Santander have told me that they will not refund any monies collected by direct debit where the amount taken was increased without prior notification. They have spoken to the trader (Sky) who denies ...
1
vote
0answers
83 views

Employer provides a SIP - Should I invest?

I recently started working for a large international company that is a big player in its industry on a global scale. I only have very limited investment experience (a Lifetime ISA which is managed by ...
0
votes
5answers
256 views

Why is interest paid on the outstanding amount instead of the whole amount of a loan?

For a large proportion of loans, why is interest paid on the outstanding amount instead of the entire amount of a loan? For example, for a 100.000 loan with a 10% interest, basic logic would imply ...
0
votes
0answers
21 views

Creating a buy stop with stop loss order on Think Or Swim

Using Think Or Swim, is there a way to create a Buy Order for a stock with a stop and simultaneously create a sell order with a stop loss that only gets triggered if the stock is purchased? I'm ...
0
votes
1answer
51 views

Is there any bank in Austria I can cash an USD check from US company? [on hold]

I have my Stock management company in US and they released 2 checks with tax refund in USD. I am not able to cash it in my home country as no one of the banks do check cashing in foreign currency. IS ...
1
vote
2answers
61 views

Currency of asset depend on the exchange traded on?

Does the currency of an asset depends on the exchange? For example, if I have an asset traded on US-Exchange, then the asset is traded in dollar and can never be traded in euro. Or? So I cannot ...
0
votes
0answers
29 views

Database with stock correlations to other indicators [on hold]

Is there a database that contains correlations of stocks with other economic indicators, based on historic values (not predictions)? I am looking for something like Stock ABCD positive correlation (...
4
votes
0answers
41 views

What's wrong with transferring $12,000 from RRSP to RRIF and withdraw $2000/yr 65-71 inclusive? Why doesn't this give you $12000 out RRSP tax-free?

I live in ON. Jim Yih wrote Are You Taking Advantage of the Pension Income Tax Credit? Transfer RRSP to a RRIF. At age 65 transfer $12,000 to a RRIF and take $2000 out per year from age 65 to 71(...
2
votes
0answers
18 views

How much can you have in TFSA without losing any OSAP?

Plz see beneath. Just $3600 for 2019-2020 school year!!?!!? This is too niggling and half-baked! What if student is living away from home? Accomodation and private rent cost way more! What if US or ...
1
vote
1answer
365 views

well, I fell for the sugardaddy scam

So, long of the short. They offered to pay off my meager credit card debt. I was able to cancel all the payments but one. I called my bank and reported a fraudulent payment. It was for $211. So, am I ...
1
vote
1answer
65 views

How to reduce margin requirement when shorting calls?

When I naked-call (short) cash-settlement options, like VIX, the margin requirement is very high. I tried some spread strategies to protect (e.g., buy same-expiration call at a higher strike), but ...
0
votes
1answer
39 views

How can separate businesses account for shared expenses?

I have an LLC which holds two separate DBAs. Each business has its own checking account. Most expenses are distinct, but some, like office space and internet are shared expenses. How can I properly ...
0
votes
2answers
147 views

Should I contribute more to my 401(k) or IRA?

I am trying to figure out a reasonable strategy for my situation. I make over the limit to write off traditional IRA contributions on my taxes starting in 2020. I currently contribute 8% to my 401k. ...
3
votes
3answers
115 views

will company match on 401K if employee exceed the limit [duplicate]

Suppose an employee has a yearly salary of $100K and his/her company matches "50 percent match up to the first 6 percent", and the employee is contributing at a rate of 40%. The employee will reach ...
29
votes
4answers
11k views

Why should I invest so much in 401(k)?

I am 24 yrs old and am making $60,000/yr while saving ~41% of that. 28% of which is going to my Roth 401(k) and the rest is going into a TD Ameritrade and a small amount into a Robinhood account (both ...
0
votes
0answers
48 views

Mortgage fees issued [on hold]

My contractor did all my work for hail damage Did all the correct work and paperwork now after the fact that I got my final check from my mortgage company they now want to do an inspection in charge ...
4
votes
1answer
64 views

In India, how can I verify mutual fund holdings, to prevent frauds?

Recently in India we have found out that a lot of big financial institutions have been cooking their books. And both the auditors and regulators have failed miserably and can not be trusted to do ...
0
votes
0answers
88 views

What do bond investors do during a sell-off

Suppose there has been some release of data that shows economic slowdown, or increased expectations of inflation. Investors will then sell their bonds in hope of buying newer bonds with higher ...
14
votes
3answers
5k views

Transferring $ from LLC to Personal account

So I have done some searching here but have not found a question that summarizes my specific position, so I decided to ask it here. I apologize if it has indeed been asked before. Just point me in the ...
6
votes
1answer
2k views

Does the amount owed listed in my account on irs.gov include both federal and state taxes owed?

I don't see any kind of indication of whether the amount owed listed in my account on irs.gov includes both federal and state or just federal. I've received letters in the mail about how I owe state ...

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