All Questions

2
votes
0answers
54 views

how does paying back a sign on bonus affect your income taxes?

It's not uncommon for sign on bonuses to have a provision wherein if you leave the company before a certain period of time (let's say 2 years) that you have to pay back the sign on bonus in full. My ...
0
votes
0answers
37 views

The United States: Can the low interest rates of the treasury lead to hyper-inflation? [on hold]

As many of you are aware, the us treasury has been slowly hiking interest rates since they were at 0% sometime during the 2008 recession. While the treasury hiking interest rates slowly gives some ...
1
vote
0answers
16 views

demand driven electricity Feed-in tariffs in Germany [on hold]

Depending on the daytime, month etc. the demanded electrical power in the grid is varying a lot. https://www.energy-charts.de/price.htm Due to that, the price per Kwh is varying as well. Now the ...
1
vote
2answers
198 views

Is a Masters degree in a high-paying field worth it? [on hold]

I give as a follow-up to my first question, a more reality-driven premise and question. I ask: Is a Masters degree in a high-paying employable field worth it? You need 4 pre-Masters (aka post-bacc) ...
-1
votes
0answers
19 views

Measuring intra-day change, and the difference between the closing price and the opening price [on hold]

I wonder why the measure of a stock's price movement on all the various charts is based on deviation from the open instead of from the previous day's close. I understand why the opening price may be ...
0
votes
1answer
52 views

Why 1099-MISC for LLC but not a corporation?

I have a couple side gigs, and every January I get a little annoyed because I need to send out 1099-MISC forms for various payments to contractors and the like. According to IRS rules you must send ...
0
votes
0answers
13 views

Share of new company for licencing services abroad [on hold]

Our UK ltd company is considering setting up our first international branch in Australia through an Australian partner company. As part of this, the Australian company would receive a licence ...
0
votes
1answer
101 views

Left UK with unpaid payday loan and unpaid mobile contacts, now want to apply for another student visa [on hold]

I was an international student in the UK and had left the UK in 2014 February as an international student. At the time of leaving UK i had unpaid payday loan and couple of mobile and land line ...
43
votes
12answers
11k views

Invest $50,000 in cash or borrow $100,000 and get a mortgage?

I have $50,000 saved and I'm paying $760 on rent right now. All my relatives are telling me to get a mortgage so I don't "throw money away on rent", but I just don't like the idea of getting in debt ...
2
votes
0answers
35 views

Jesse Livermore pivotal points (US Steel example)

I reproduced table charts for US Steel from controversial Jesse Livermore's book How to Trade in Stocks in a line chart form (see pages from 58 as appeared on PDF) in an attempt to understand rules ...
2
votes
1answer
150 views

What are the tax implications of renting out my condo if it's worth less than the mortgage?

I own a condo, and its market value is less than what I owe on the mortgage. On the upside, several interesting developments are going in nearby in the next couple of years. Because of some lifestyle ...
6
votes
1answer
62 views

Using a healthcare Flexible Spending Account at the same time as a Health Savings Account?

Here is my situation: I have the high deductible insurance plan. The coverage includes my wife, dependent daughter and mysef. I contribute to an HSA. My wife has her own insurance through her ...
1
vote
1answer
31 views

Expected stock price move using IV

From this post https://www.projectoption.com/expected-move-explained/, he uses the following formula to calculate a 1 SD move in the stock: How do you know which stock option to use for this? For ...
-3
votes
2answers
206 views

Why are mortgage rates the same for everyone?

Generally speaking, when it comes to a conventional mortgage, a given bank offers loans at the same interest rate for everyone. As long as your qualifications allow you to pass a certain threshold to ...
2
votes
0answers
106 views

if you're a federal employee and you quit during the shutdown will you still get backpay?

Right now there are 800,000 or so furloughed federal employees that aren't being paid. Many of these employees are being forced to continue working despite not having received a paycheck. My question ...
-1
votes
0answers
17 views

PNG Estate Banking and accounting [on hold]

I am executor of an estate. I live several hours away from the decedents home location, but within the same state. I need to be able to remotely: track, comment on, account for, and pay estate ...
0
votes
0answers
45 views

Is it really a good idea to allocate part of a portfolio to international stock funds?

I've heard this advice and held an international fund and a developing markets fund (vtiax, veiex) through most of last year. These investments were down most of the time that I owned them, and are ...
0
votes
2answers
55 views

IRS Tax Rules for Capital Gains on Sale of Stock

Bob has a stock that is worth 50% more than what Bob paid. Bob would like to avoid paying tax on the gain so he donates 10% of the shares shares to a charity through a donor-advised fund. Bob decides ...
1
vote
1answer
59 views

How to efficiently invest in ETFs with a monthly contribution?

I am confused when it comes to ETFs. Many state that their main advantage is that they are low cost. I understand that they are traded as stocks. I want to invest my money in 3 index ETFs (USA, ...
18
votes
6answers
4k views

What are things to think about when paying for/taking out a loan for graduate school? [on hold]

I haven't seen a lot of posts related to graduate school in this SX, but I apologize if there are. I bolded the crux of my question. I'll apply my situation to this question as an example: I got a ...
5
votes
1answer
77 views

HSA and Medicare: what if I get laid off?

I'm approaching 65; will continue working for a large company; will not be taking Social Security; have a high deductible insurance plan through my company which I will continue using (so will not ...
2
votes
1answer
86 views

Why did ESL need to pay $5.2Billion for Sears Holdings?

Related to this question. Yes, I know that the operations of a big company isn't directly related to personal finance, but understanding this seems an important part of investing, for instance SHLD ...
0
votes
4answers
196 views

How do you bring a credit card back into no-interest mode after making a less-than-full payment?

It is well documented that most (all?) U.S. Credit Cards don't charge any interest if you pay the bill in full every month. I'm curious how all cards arrived at this common rule, but that's besides ...
-2
votes
0answers
36 views

Accounting for Cheque Exchanges? [on hold]

Our church has done cheque exchanges for years, accounting for these 2 transactions on the Balance Sheet, ie. no effect or entries on the Income Statement. Can you confirm correct accounting, as our ...
-2
votes
2answers
65 views

How to remember and not to mix the bid and ask prices

Maybe it seems a very silly question but I think it is not. I am working as developer for a firm and I have a huge problem to remember and distinguish what the bid and the ask prices are. I know that ...
0
votes
1answer
73 views

Switching from W-4 to W-9. What should I be aware of?

I'm a welder in California. I recently talked with my employer and mentioned that since you can't deduct expenses as a W-4, I wondered what he thought of hiring me as a W-9 so that I could write ...
0
votes
1answer
56 views

Flat lines in candlestick charts

I'm creating software that will perform technical analysis on stock data. I'm using single day sessions. I've noticed data where the open, close, high, and low prices are the same. When I pull these ...
5
votes
1answer
154 views

How to deal with IRS notice during the government shut down?

Last friday, I received a mail from the IRS stating that there was a discrepancy in my filing of personal taxes for 2016 vs what was reported by other institutions. The letter did not go into detail ...
0
votes
3answers
74 views

Going from a 1099 to W-2 job, must I pay estimated taxes?

In 2018 my spouse worked full-time on W-2, and I worked entirely on 1099. She had taxes withheld, but circumstances prevented me from paying any estimated taxes, so we'll certainly have a substantial ...
1
vote
2answers
184 views

Does changing debit card protect me from a scammer?

In case I have given out my CVV on the back of my debit card to a call deal that I got (so I did not call the dealer), and in case I change my current debit card worried about a scam, can the dealer ...
1
vote
1answer
67 views

I specified the bank's IBAN instead of my account's IBAN [duplicate]

A friend of mine sent me a sum of some 300 EUR (from Iceland to Croatia) but mistakenly used the IBAN of my bank and not my bank account. He included my full name and bank's SWIFT code. What is the ...
0
votes
1answer
44 views

Trading in commodity futures and options - How to go about it? [closed]

I would like to trade on options specifically the commodity kind like the ones available on CME. Which platforms allow me to do that? What are the costs involved etc. ?Can some one please point me in ...
2
votes
0answers
71 views
+50

Are LLC membership interest purchases taxable?

My job has offered me an associate position which means I will become a member in the LLC. The cost for 250 units (membership interest 2.25%) is $25,000. I will get profit sharing of 2.25%. The LLC ...
0
votes
2answers
70 views

ExxonMobil stock before fusion in 1998

I was looking at the stock time series of ExxonMobil (traded as XOM) on Yahoo Finance and I noticed that it starts from 1962, while the IPO was in 1978 and the fusion of Exxon and Mobil took place in ...
1
vote
1answer
82 views

What should/can I do, now that I’ve closed the single-member LLC I used for freelancing?

I freelanced full-time for 6+ years through a single-member LLC, which I closed at the end of last year after I moved to a new full-time job. I was a user experience designer/researcher and designed ...
1
vote
1answer
36 views

Trading Order Type to Immediately Buy as Much as Possible of an Asset for a Given Amount of Money

Say I'm interested in buying 300 USD worth of stock A and 700 USD worth of stock B and let's say, for the sake of argument, that it's possible to buy a fractional amount of those stocks (i.e. I could ...
1
vote
1answer
614 views

Picking up money for someone else on Moneygram ? Is it safe? [duplicate]

A close friend of mine asked me if I could pick up money for him using my ID from money gram since he had already exceeded the receiving limit this month. The amount was 500 euros. I just wanted to ...
2
votes
1answer
79 views

Selling and distributing my Software [closed]

Am a developer and likes to develop my own personal software. I use it for a few months and make some improvements it as i go along. I would like to know on what safe and secure online site can i sell ...
1
vote
0answers
70 views

Buying business product for a business associate that's abroad

I was wondering if there's any legalities regarding the purchasing of product for a business associate that is abroad? I would buy the product and he would reimburse me the money. The products are ...
0
votes
1answer
104 views

Why do most HSA administrators require accountholders to have a minimum amount in their HSA before they can open up an investment account?

I read on an article at Nerdwallet titled 5 Health Savings Account Rules You Need to Know (mirror): Irvine warns that the majority of HSA administrators require the accountholder to have a steep ...
1
vote
0answers
56 views

Rejected ACH due to bad account number

I set up all my bills to pay thru ACH. They all go thru for the most part. However, I had 2 separate situations where my water bill got rejected. It would go thru one month and for some reason not go ...
0
votes
1answer
106 views

How do ETF dividends work

How do dividends work when being payed by an ETF. A dividend is a share of the profit, paid to the shareholders. Whilst that is understandable when owning a stock of an individual business, how does ...
2
votes
0answers
58 views

Escrow sent money to wrong account

I signed up for a HELOC, but the terms for me being approved for the HELOC required me to use the full balance to pay down part of my mortgage. The bank worked with an escrow company to ensure that ...
0
votes
0answers
8 views

Where can I find price charts by volume (not time or ticks)? [closed]

I think they are called Volume Charts, but I cannot find them in TradingView or any other trading platform. I mean charts based on units of volume. For example prints a new bar/candle for each ...
1
vote
1answer
44 views

Shouldn't the rebalancing of an ETF result in profit/loss

My understanding is that an ETF is a basket of a variety of stocks. When that basket is rebalanced and some stocks are sold and others are bought, won't that result in a profit/loss in the same way ...
4
votes
3answers
204 views

How can PG&E intend to go thru Chapter 11 Bankrupcy on January 29th before lawsuits even find them financially liable from recent California fires?

PG&E intends to file for bankruptcy on January 29th. They state it is largely due to the estimated $30 billion in liabilities from the recent disasters, fire suppression costs, and attorney fees. ...
2
votes
0answers
105 views

Student loans paid already but collection agency claiming loans are in default

I paid off my student loans via pay garnishments and the IRS taking 3 to 4 years of my tax refunds. Unfortunately, I have moved 5 times in last 2 years and I cannot find my files confirming this. ...
52
votes
5answers
18k views

Handling waitress unclaimed pay from three years ago

Each week our boss gives us payslips with our hours worked and we can cash them right at the place of work. Pretty simple. You get a receipt for your hours worked for the week and a slip to turn into ...
5
votes
1answer
206 views

Can my neighbours affect my credit report and/or credit score?

My wife and I live in a single building (in London, England) which contains three flats/apartments. We rent our flat privately (private tenants, renting from a private landlord) and the other two ...
0
votes
2answers
69 views

How exactly does a broad-market ETF work?

So it's obvious that a broad-market ETF attempts to imitate the performance of the whole stock market, but what I still don't understand is how it works and exactly what you are investing in when you ...

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