Questions tagged [fees]
generic tag to be used for questions related to fees. Ideally to be accompanied by other subject tags
377
questions
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Is there any way to pay Vanguard account fees without it counting as an IRA contribution?
I have a small Vanguard traditional IRA that I maintain but don't contribute to. Because I want to continue to get paper statements, there is an account fee that I haven't paid for two years. ...
35
votes
5
answers
11k
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The security team has noticed suspicious trading activity. Insurance fee is 25%
On my trading platform(TCI-Investment), I've received a message from security, that I must pay an insurance fee of 25% cause they thinking I'm trading with insider information.
"Starting from ...
1
vote
3
answers
1k
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Orthodontist treatment fee?
I am confused about the treatment paper for the orthodontist fee. I haven't sign it yet, so before I do can someone help me.
Total treatment fee is $1200
Less payment fee is $500
Balance to be paid ...
0
votes
1
answer
108
views
Why is a failed ACH payment more likely to trigger an NSF fee than a failed Visa/MasterCard debit payment?
Background information (you can skip this)
The average NSF (insufficient funds) fee in the US is $34. (Source.) Dipping below a zero balance can sometimes lead to hundreds of dollars in cascading ...
3
votes
1
answer
172
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Will you be charged any NSF fee for a declined online Debit MasterCard or Visa Debit transaction in Canada?
You open a chequing account with a Canadian bank: e.g. Simplii Financial or another bank. They ask if you want overdraft protection; you say "no thank you". They give you a Debit ...
0
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1
answer
118
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Why have I paid more in fees than the published expense ratio would account for?
Via my employer's retirement plan, I have some money invested in a fund with an advertised expense ratio of "($0.13 per $1,000) 0.013%". (This is listed as both the gross and net expense ...
-4
votes
1
answer
102
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Does any French bank receive SWIFT transfers without taking any commissions? [closed]
I looked at Fortuneo and Société Générale: they both take a commissions when receiving a SWIFT transfer:
Fortuneo takes 12 EUR: https://i.stack.imgur.com/riXvc.png
Société Générale takes 22 EUR: ...
5
votes
1
answer
1k
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Mutual Fund Fees
Let's say I were to invest 10,000$ in a mutual fund and it has an annual fee of 2%. If the fund gains over the year, then my actual gains would be after subtracting the 2% in fees. But if the fund has ...
3
votes
2
answers
648
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Is it correct to charge sales tax on fee imposed by car-rental company?
On what amount should local and state taxes be computed, on the base rental price alone or after having added to it all the rental company-imposed fees? In other words, does one need to pay taxes on ...
0
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0
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180
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IMF CODE FEES REQUIREMENT [duplicate]
Is this a scam that financial services institutions in order for them to release?
my established savings account with them to transfer funds in united states.
It says I have to put out and pay eight-...
1
vote
1
answer
86
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Shorting stock vs buying stock on margin which fee is higher?
I know when you buy stock on margin you need to pay a interest rate for example with IB a rate + benchmark rate. How expensive is shorting a stock long term, is it a similar fee as buying on margin e....
2
votes
1
answer
124
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How is an ETF fee calculated in a trade that ends in less than a year?
If you sell an ETF before a year, intraday or in a swing trade, then is the fee prorated or is that just the flat rate you pay when you sell, when you buy or does the broker pay it at some point in ...
1
vote
0
answers
95
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What to know when buying a used car from Canada?
I'm in the market for a used pickup and I found one with the options I like, but it's in Canada (I'm in the USA). I'm mostly concerned about crossing the border on the way back - it's just a bill of ...
-1
votes
4
answers
515
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Insurance Fees on Withdrawal on Trade Account [duplicate]
The company is called Anvex Trades and they are based out of the UK. I have seen many inconsistencies in this account manager, and I can see it right through her lies. Yes, shame on me for falling for ...
1
vote
1
answer
83
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What's the difference between markups and "commissions, transaction fees and contract fees" when purchasing individual bonds on the secondary market?
I read on forbes.com:
It can be difficult for investors to know the true cost of individual bonds on the secondary market, as prices frequently include markups. In addition, it’s entirely possible to ...
2
votes
1
answer
61
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What's the difference between "Frais de gestion annuels (max.)" (~expense ratio) and "Total des frais sur encours" (~expenses on outstanding amounts)?
I see two fees on the ETF report below:
Frais de gestion annuels (max.), which can be translated as expense ratio.
Total des frais sur encours, which can be translated as total expenses on ...
-2
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1
answer
58
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Is there any currency conversion charge (including suboptimal rate) when purchasing an ETF whose underlying assets are in a different currency?
Example: Amundi Index Solutions - Amundi S&P 500 UCITS ETF C EUR. Traded in EUR but underlying assets are in USD. Assume I buy it from an assurance-vie account based in France. Is there any ...
-1
votes
1
answer
94
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What's an Index Interest Strategy Charge Rate in a long-term care (LTC) insurance plan?
I'm looking at some Life Insurance Illustration (mirror) for the Long-term care (LTC) insurance plan "Nationwide Indexed UL Protector II 2020" managed by the Nationwide Life and Annuity ...
0
votes
0
answers
100
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What's the difference between Expense Ratio and Ongoing Charge?
I read morningstar's definitions of Expense Ratio and Ongoing Charge:
https://www.morningstar.co.uk/uk/glossary/138894/Ongoing%20Charge.aspx
Ongoing Charge: The Ongoing Charge represents the costs ...
-5
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1
answer
119
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Why are foreign transaction fees with debit cards often higher than foreign transaction fees with credit cards? [closed]
I read in this answer by Sneftel:
Debit card foreign transaction fees are often higher than credit card fees.
I've noticed that too with cards issued in the US. Why are foreign transaction fees with ...
18
votes
1
answer
6k
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Where can I report a cryptocurrency fraud?
I am positive that I have been taken in a wild chase to get my money back in a cryptocurrency advanced fee scam, and I have reported this to google, WhatsApp, ic3, Coinbase, etc., and I am not getting ...
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2
answers
78
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What kind of fees can using an ATM incur that isn't a surcharge assessed for using an ATM to withdraw cash?
I read on schwab.com (mirror):
ATM surcharge rebates do not apply to any fees other than surcharges assessed for using an ATM to withdraw cash in local currency from your Schwab Bank account.
What ...
1
vote
1
answer
454
views
What happens to prepaid HOA fees when HOA goes under?
I have been considering paying HOA fees in advance and lowering my my emergency fund.
Is this good or bad? My idea is that if I can make mortgage and HOA fees 6 months in advance, I would say that my ...
-3
votes
1
answer
119
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why do you have to pay 720 dollars to register new truck but only 36 dollars for an old car? [closed]
Why do you have to pay 720 dollars to register a new truck but only 36 dollars for an old car?
3
votes
2
answers
204
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If I donate 100 USD to a charity using PayPal Giving Fund, does the charity receive 100 USD?
I have a question about PayPal Giving Fund.
About a year ago, I called them on the phone (I don't remember what number I called, but it was a line intended for donors). I asked the representative this ...
0
votes
1
answer
88
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What's the difference between a commission fee and an artificially inflated spread when executing a trade?
I read on https://www.kitco.com/news/2022-11-29/Fidelity-Crypto-is-a-go-4-5-trillion-firm-launches-retail-crypto-trading.html:
The platform promises “commission free” crypto trades, but the company ...
0
votes
1
answer
184
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How can I know before paying whether the payment will incur foreign transaction fees?
I live in the US and have a Bank of America credit card with 3% foreign transaction fees. From time to time, I order something online in USD from a firm whose headquarters is outside the US but may ...
2
votes
2
answers
4k
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What is a "trade bust" and how does it happen?
On the Interactive Brokers Other Fees page:
Trade Busts/Adjustments
If an exchange or other market center charges Interactive Brokers a trade bust, trade cancel fee or trade adjust fee because of an ...
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2
answers
323
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Can you intentionally throw away large sums of money through transaction fees on the stock market?
On another thread, there was a question about a divorcee who lost tons of money day trading just before the divorce, with the result that the ex-wife received a lot less money.
Question: If you had ...
0
votes
0
answers
706
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Is COT FEE a Scam? [duplicate]
I read another question about the COT FEE Scam, but what if they're not asking you to log into their account?
I was working with A Private Money Lender & was supposedly approved for a $200,000.00 ...
8
votes
5
answers
6k
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Is there a way to bypass POS Credit Card processing fees?
Summary: If you have a shop and you accept Credit/Debit cards like Visa, Mastercard, Maestro, American Express, etc., you have to pay a fee. Is there any way to keep accepting those cards without ...
2
votes
1
answer
224
views
Can I appeal the cost of a rejected funds transfer from my bank account?
I recently ordered the transfer of 1000 Euros from my bank account in Israel to my bank account in Germany.
After a while, when the money didn't arrive, I realized that I made a very silly mistake: ...
2
votes
2
answers
177
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What does 'pro rata' mean in an agreement?
I will make an agreement with a company and the text of the agreement includes the following sentence:
Remote Based
Fee USD $1,200 per month (pro rata) during the period of 1st May 2022 and 31st July ...
2
votes
2
answers
225
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Are the fees in my new 401k reasonable?
My employer has just moved from a Simple IRA to a 401k plan that I enrolled in. The fund in the 401k plan is the Vanguard VFORX 2040 target date plan. I felt pretty good about that expense ratio, but ...
7
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4
answers
3k
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Role of fees in mutual funds: Is it exaggerated?
It seems to me that the role of fees in mutual funds is somewhat exaggerated. Say, if funds A and B charge 1.3 and 0.3 percent, respectively, and over a period of 10 years the annualize return of A ...
15
votes
2
answers
6k
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Money Order shredded by HOA, what do I do?
The HOA (Homeowners' Association) we are dealing with charged an NSF (Non Sufficient Fund) Fee and said they weren't able to cash the money order and since this is regarding a payment due in September,...
1
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0
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77
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Repossession fee refund after 8 years [duplicate]
2013 our car was repossessed by WellsFargo Dealer Services
It was sold at auction and fell off my credit report this year. Today I received a check for$125 from an over charge of the repossession fee.
...
1
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1
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140
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Avalilability of very short term loan options for non-salary individual in India
I am a student and I have a non-salary account. I mean, I am not getting salary and getting money every month as scholarship. The amount I am getting as scholarship is not less and is at-least ...
1
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0
answers
59
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What stops the depositary banks of American Depositary Receipts (ADR) from charging the maximum possible fees?
Depositary banks of ADRs periodically charge depositary fees (custodial fees) to the owners of the ADRs by subtracting from ADR dividends. The maximum fees that the depositary bank is allowed to ...
1
vote
2
answers
174
views
Can capital gains be offset with transaction fees?
If you make a 2.5% capital gain on Dogecoin, but then pay that same amount in transaction fees, do you still have to pay capital gains tax?
Or can the capital gains be offset with the loss incurred ...
2
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0
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43
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What is the purpose of NSCC illiquid charges for low-volume stocks?
I understand the situations in which I will be charged an NSCC illiquid charge, and I have read: What are NSCC illiquid charges? From my understanding, stock brokers pass the NSCC illiquid charge to ...
0
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0
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54
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How to calculate all fees to get exact price or profit on wealth simple stocks
I'm trying to calculate all the fees in a trade for a buy and sell, from me being in Canada (CA). So this is for buying or selling a CAD stock or a US stock. I have some theories but wanted to check ...
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1
answer
120
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Why is direct money transfer to other people accounts so expensive?
I see from a similar question that in the US and Canada wire transfer are even more expensive than in Europe where I live. But I am interested in the situation in Europe even though their cost is ...
0
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0
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47
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What are the stock fees charged on nonresidents?
When a foreigner invests in the US stock market, are the dividends taxed at 37%? What if the stock does not pay a dividend? Will foreigners be charged anything if the stock does not pay a dividend? Is ...
1
vote
0
answers
32
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What happens if send low value swift payment via BEN?
I am wondering what happens if I made a low value swift payment (e.g under £10) which is less than the transaction fee. Would the payment be rejected?
1
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0
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94
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Bitcoin exchange fees [closed]
Where would you go to sell a large quantity of Bitcoin? The major exchanges (such as Coinbase, Gemini, etc.) charge exchange fees in the neighborhood of 1.5% of the amount being exchanged. Are there ...
1
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5
answers
358
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Why do some banks charge a fee for a low account balance?
I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both?
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0
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95
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Why broker charge me for BORROW fees when I have a long unsettled position as well to counter the short in the same account [duplicate]
The only reason why I put it here is to find out whether I am a victim or just ignorant of the way brokers deal with option positions that were exercised. Whether I am a victim or just ignorant will ...
2
votes
0
answers
38
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What happens to cost of carry when a commodity is short-sold?
Say investor B has a gold bar, and must pay 1 dollar per day to store it. Investor A shorts gold, borrowing the gold bar from B, and selling it to investor C.
What I want to know is, what happens to ...
0
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2
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340
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How OPTIONS are settled can be an eye opener and I hope I can get some answers
The only reason why I put it here is to find out whether I am a victim or just ignorant of the way brokers deal with option positions that were exercised. Whether I am a victim or just ignorant ...