All Questions

-1
votes
0answers
150 views

Where to borrow cheap money for investing? [closed]

What are the best sources of cheap personal loans for prime borrowers? Cheap means meaningfully less than average market returns, minus expense ratios, so <= 4 or 5%.
1
vote
1answer
103 views

How to split my money in a P2P Lending site

I've noticed there are at least several similar questions but I don't think that they are asking for exactly the same thing. I am planning to put some money in a P2P platform and invest (I won't ...
0
votes
0answers
70 views

How to learn trading [closed]

Can anyone suggest me how to learn trading by our own with the help of book,videos.Which is the best website to learn trading for beginners. I want to make my career in this field. Thank you
2
votes
1answer
45 views

How to diversify long term retirement investment schemes in India so have sustainable passive income?

Public Provident Fund (PPF) - an Exempt-Exempt-Exempt (EEE) investment tool, I invest Rs.150000 at the rate of 7.6% per year with a lock in of 15 years. (I would like to extend it to 20 years before ...
9
votes
4answers
1k views

What is the purpose of bonds within an investment portfolio?

Are bonds part of an investment portfolio so that you can invest during a dip in the market? (I heard this from a robo-advisor as it allows you flexibility to invest during a downturn) Or do bonds ...
2
votes
1answer
248 views

Is freezing my credit card as a form of spending control a bad idea?

I see that my credit card company offers the ability to "freeze" and "unfreeze" my credit card with the tap of a button on their mobile app. I'm pondering using that as an additional constraint to ...
1
vote
1answer
65 views

Declaring income when self-employed

As described here, I earn extra money (around $7000 per year) from a second job, in which I am running a business as a sole trader. Due to the nature of the work, I am mostly paid in cash, and deposit ...
0
votes
1answer
56 views

Is there a total number of shares distributed?

When a company makes a share available, is that a unit of a larger whole? Meaning, say, a company is worth $100 and wants to offer 50% shares. Does that mean it makes 50 shares available, at $1 per ...
-4
votes
1answer
132 views

Ever been asked to send money to this man? [duplicate]

Has anyone ever been contacted by someone named Richard Atul who claims to be an orthopaedic surgeon working for the UN in Yemen. He's asked me to send money to help him get home because they won't ...
2
votes
1answer
55 views

Can I do a 1031 exchange and later get Section 121 tax free gain

My wife owns a condo from before. We plan on doing a 1031 exchange and getting one instead in our city partly b/c it will be easy to manage rental rather than having to fly cross country. Down the ...
3
votes
1answer
105 views

Depositing check with blank legal line at Bank of America

Someone wrote me a check but left the legal line (i.e., the line where the check amount is spelled out with words) blank. I tried to deposit it at the counter at my local Bank of America, and the ...
-1
votes
1answer
28 views

Seed Capital, Is it possible to do an acquisition, and the lender to consider the acquired businesses revenue [closed]

As stated are there lenders that would consider the revenue stream that's owned by the business the loan is looking to acquire as an income bracket, the stipulations don't matter I would expect the ...
2
votes
2answers
149 views

Is there any data on the degree to which confidential financial information is taken from trash and then used fraudulently?

This question is prompted by How to Safely Destroy a Large Quantity of Valid Blank Checks. For decades, I've put torn up confidential financial information into the garbage (not the recyclable trash),...
1
vote
1answer
144 views

Could my app take deposits from and execute stock trades for others but using my own brokerage account?

Don't know if this questions belongs here but I'd figure this place is the closest in relevance. Basically, I want to build an investing application that is open for the public to use. Many ...
1
vote
0answers
69 views

Looking for a way to track expenses together with my wife [closed]

I am looking for a tool/app to comfortably keep track of our expenses (= no spreadsheet tool). There are plenty of solutions around, but most are only for a single user or cloud services i have to ...
2
votes
1answer
159 views

What would determine a p2p lending more risky or more secure

The title doesn't describe the full picture so I would like to give some more background information. So basically I've been aware of the p2p lending existence but I've always been somewhat hesitant ...
1
vote
0answers
66 views

How to distinguish a Chinese VIE from a normally listed company stock?

Recently I have been intrigued by the lower prices of Chinese companies and decided to invest into China. But I stumbled open the problem that many Chinese companies you can invest into are VIE’s (...
17
votes
7answers
4k views

US doctor working in Tripoli wants me to open online account

A man I recently started talking to over Facebook says he is a doctor from the US working with the UN in Tripoli. He wants get out of Tripoli because of terrorist attacks on his camp. He is asking ...
3
votes
0answers
51 views

Should a Canadian working in the USA, invest in a 401k, Roth IRA, Traditional IRA, and/or RRSP?

I have a cousin who is a Canadian citizen working in the USA, asking me about the Canadian RRSP. However being an American I am more familiar with 401k, Roth IRA, and Traditional IRA. 1) From ...
3
votes
0answers
83 views

What determines the value/price of an ETF [duplicate]

An ETF is a collection of shares packaged into a single tradeable equity. But since the marketvalue of an ETF unit is determined by market forces, what impact does the change in value of an individual ...
0
votes
0answers
47 views

Should I create a corporation, even if I won't make money or receive funding until later? [duplicate]

Suppose I may not be profitable, make any money, or receive funding for another year. Should I still create the business entity now?
2
votes
2answers
216 views

Are there any mostly-passive funds that become active after stock market crashes?

I am thinking of the following scenario: Expansion, index with low fees After a market crash, lever up and buys equities Does there exist a fund which follows this strategy? Preferably an ETF?
33
votes
20answers
12k views

How to safely destroy (a large quantity of) valid checks?

A while ago I had my bank issue me new checks due to a change of name (I got married). However I still have many hundreds of checks with the out of date info (they're an online bank and issue about ...
9
votes
2answers
2k views

Why do some employees fill out a W-4 and some don't?

I recognize W-4s are for calculating how much an employer should withhold from an employee for tax purposes. More allowances, less withheld. Less allowances, more withheld. This is the gist of it? At ...
0
votes
1answer
120 views

If I plan to get investments later, should I start a C Corp now? Or LLC then convert to C later?

Should I start an LLC then convert later once it is time for investments? Or just start as a C-Corp now? At the moment what I have are open source software tools, and ideas on how to monetize them ...
3
votes
3answers
142 views

Determining the price of an option when it hasn't been traded recently

I am looking at MDB LEAPs. Right now the price of the stock is up about 7% from open. Some calls are up, and some puts also show up, which I guess is because they haven't traded today (I am using ...
1
vote
1answer
45 views

How is stockholder information shared?

Given that I received in the past invitations to annual stockholder meetings I assume my broker is sharing the required information (name and address) with the public company. I have the following ...
1
vote
0answers
64 views

Peter Lynch Style Investing Question

I’m looking to build a portfolio using the following Peter Lynch Style strategy. What I’m wondering is, do you think this is a good approach? Is there anything you’d change about it? Here’s the ...
6
votes
6answers
1k views

Importance of Building Credit Score?

For some background, I am in my early 20's about to graduate college. I have steady full-time employment that allows me to live within my means while building my savings. Right now, an emergency fund ...
2
votes
1answer
125 views

Why the Vanguard S&P 500 eur has such a lower price compared to the original US version?

sorry if this is a silly question but I am new to the finance world. I would like to understand better why the Vanguard S&P 500 UCITS ETF (VUSA) has such a different price compared to the Vanguard ...
0
votes
0answers
61 views

Quit Claim Deed: Role Titles

I currently own my house with my son. The deed is a joint tenancy with rights of survivorship between me and my son. I would like to relinquish my portion and give it to my wife, with my son's ...
42
votes
3answers
12k views

Why not invest in precious metals? [closed]

I have been considering a mix of precious metals in my portfolio; mostly gold, but also some silver, platinum, and palladium. I'd like to hear some arguments why this would be a bad idea given ...
0
votes
1answer
168 views

My money transfer went to the wrong bank, what can I do to reverse it?

I have 2 different bank accounts with a bank and a credit union. A payment through seller was posted into the wrong account. What can I do to reverse the transaction?
-1
votes
0answers
22 views

Taxes on NRE Account FD Earnings

Will the U.S. Government tax the earnings on an Indian NRE Account? The FD Earnings are tax free in India. So, will an
0
votes
1answer
350 views

Gold value passed $10000 threshold during international travel

I brought some gold from outside the US, and didn't report it as the market value was $9980. But during the international travel the price rose above $10000. Now I am afraid I got caught not ...
0
votes
1answer
163 views

If more and more people will be diagnosed with depression, in what single stocks ought you invest? [closed]

Apologies if this question is unethical. Based on rises in suicidal ideation in Canada, US, UK, I presuppose that increasingly many will be diagnosed with anxiety, depression, and suicidal ideation. ...
0
votes
2answers
99 views

What happen to these S&P ETFs during 2016-2017?

I'm taking a look at the historical data of these 2 S&P ETF, and I find something confusing. Here are the 2 graphs: SPDR® Portfolio S&P 500 Growth ETF iShares Core S&P US Growth ETF ...
1
vote
0answers
30 views

What is the risk of making post-tax HSA contributions w/o deductions, upon withdrawal?

Consider an employee enrolled in an HDHP with an HSA, and an employer that makes pre-tax contributions. In addition, in later years, while still enrolled in an HDHP, the employee makes personal, post-...
0
votes
1answer
46 views

Rollover different from distribution

Can your rollover deposit be different than what you took out? To keep the numbers simple, say I withdrew $25k from a Roth IRA and then at the end of the 60 days deposited back into the account $20k....
0
votes
1answer
110 views

IRA Rollover Past 60 Days Because of Bank Mistake

I took out a 60 day rollover for a Roth IRA. About 50 days in I went into the bank and asked them to deposit the money back into the account. The bank ended up depositing the funds into the wrong ...
2
votes
1answer
100 views

Tax consequences of transferring securities to non-spouse family member (US to US)

What are the tax implications of transferring stock between two family members who both live and work in the US? Family members in this specific case are parent->son/daughter and both adults don’t ...
0
votes
0answers
21 views

Are IPO lockup shares counted when calculating eps?

For example, Company XYZ has an IPO on January 1st They offer 10 million shares 90 million shares are still held by insiders The lockup lasts until June 1st They report earnings of $100m for Q1 on ...
2
votes
1answer
46 views

Rental Property 1031 Exchange & Boot

Is a mortgage "boot" still considered a recognized gain even if the debt, LTV (loan to value) and purchase price have all increased or remained the same in the exchange? Note: If you aren't familiar ...
1
vote
0answers
37 views

Simple tool for passive (long-term) investing overview? [closed]

I am making long-term investment in ETF/stocks. I am searching for simple tool where can I track from time to time my holdings without need to login to my broker account. Right now I am using yahoo ...
14
votes
3answers
2k views

How Often Do Health Insurance Providers Drop Coverage?

My freelance work is organized as a single-member LLC. Since the Affordable Care Act, I have been getting insurance coverage directly from a health insurance provider, with rates equal to those on the ...
2
votes
1answer
68 views

Student loan tax deductions when married filing jointly in United States

My spouse and I received a chunk of cash that we would like to use to pay off student loan debt. The cash is not enough to pay off both of our loans. If we simply put the cash towards the highest ...
51
votes
6answers
9k views

Determining fair price for profitable mobile app business

I have been developing iOS apps for a few years now. They do pretty well, and yesterday I was approached with an offer to buy one of them. The offer was for $40,000 dollars for an app that generates ...
0
votes
0answers
20 views

Reporting change in exchange rate for loans and PP&E [on hold]

I couldn't find proper answer in the web, so that's why I am asking this. We are talking about IFRS, if it matters. Suppose you live in Europe, you currency is Euro. Situation: you took a loan in ...
2
votes
2answers
126 views

During the cobra 60 days election period, can I go to the doctor?

I was recently terminated and my health insurance stopped working. I got the cobra option, but I didn't sign up to it yet as I have 60 days to do so. My question is: Can I go to the doctor in this ...
21
votes
9answers
8k views

Second (easy access) account in case my bank screws up

Sometimes banks screw up. At the moment I have a single login with a single bank (various accounts inside). I'm not that rich, so that's no biggie. I'm under the personal savings insurance limit, and ...

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