All Questions

2
votes
2answers
72 views

Investing in a target date fund for retirement [closed]

Any suggestions about investing in a Vanguard target date fund 2045 for a Roth IRA? I'm 38 years old. Is 90/10 stocks/bonds too heavy for my age?
1
vote
4answers
149 views

How to reconcile loan statements when balance doesn't add up

I'm helping a friend enter her student loan payments into GnuCash and I've come across something I've never encountered before. Apparently Discover Student Loans are calculated with Daily Simple ...
1
vote
3answers
269 views

How likely is it to be victim of credit card fraud on a credit card that has never been used?

How likely is it to be victim of credit card fraud on a credit card that has never been used? Assume that the credit card was issued by a financial institution bank in the United States. (Link to ...
1
vote
4answers
120 views

Easy way to measure how inflation affects me

Is there a simple way to measure how inflation actually affects me? No complicated formulas, or building a basket of goods, give each product a weight in the basket, or spending large amounts of ...
0
votes
1answer
40 views

Which term describes fraudulently recording an asset more than once?

Imagine someone was working out how much my company was worth, and had tallied up the value of some machines that were in one of my factories, but then I move the machines to another factory (before ...
0
votes
0answers
11 views

Non Resident selling Canadian property tax implications

I understand the Federal Tax implications, but does the Non resident also pay provincial tax in which the property was sold or only federal tax and surcharge.
1
vote
2answers
41 views

Understanding Arbitrage Strategy (problems and solutions)

I think it's easier to understand with an example: Suppose this arbitrage between 3 markets: BTC/USD = $1000 USD // just to make easier the number BTC/EUR = $870 EUR EUR/USD = 1.17 USD We buy 1 ...
1
vote
1answer
55 views

Pay off loan or roll over

I owe $10,000 on my existing car loan. I currently have enough to pay off my loan and still have enough to put down $5000 on a new car. My question is this, is it better to pay off the loan first and ...
0
votes
2answers
25 views

When ANZ bank replaces a lost or damaged ATM card, will the new card be a duplicate or an entirely new card?

My bank here in Australia is currently ANZ bank. If I ask them to replace a damaged or lost card, will the new card be an exact duplicate or is a brand new card issues? Specifically, will the new ...
0
votes
1answer
54 views

Does a gain in one brokerage account and a loss in another brokerage balance each other out for tax purposes?

I have different investments in two different brokerage accounts A and B. Investments in A are up 500 and in B are down 500. If I were to sell both of these in the same year (without any other losses ...
2
votes
1answer
39 views

Can buying covered calls to close trigger a wash sale

I did some tax loss harvesting last week and am hoping I didn't incur a wash sale this week. Any thoughts would be greatly appreciated. I sold a portion of CELG held long term for a significant ...
1
vote
0answers
6 views

What are my options for cashing out or consolidating my Kiwisaver and Australian Super?

I am a New Zealand citizen who has been contributing to Kiwisaver for the last five years in New Zealand, and have since moved to Australia, where I am making Australian Super contributions here. I'...
1
vote
1answer
42 views

Where are additional dependent children listed on the 2018 1040 tax form?

I was getting a head start on my taxes and wondering what form there is for listing out additional children. On the old form, I attached another form (probably something just autogenerated by my ...
2
votes
2answers
52 views

Bond Mutual Fund Dividend Dropped Dramatically in Dec Why?

I have owned a medium term bond mutual fund at a large mutual fund company for years without making any new deposits or withdraws and I just reinvest the dividends. Each month it consistently pays a ...
0
votes
2answers
89 views

AUDUSD vs. Apple's bad results in China - WHY is this positive correlation (it has nothing to do with AUD!)?

I would appreciate if some trading fundamental analysis expert could please explain me this. Recently I lost basically all my entire life savings, everything i worked for, for over 3 years, waking up ...
0
votes
1answer
41 views

What kind of execution can I expect for a typical NYSE stock trade by a broker?

If I call my broker to sell a stock at say 10am in the morning and assuming that he does whatever he has to do to sell it immediately, can I assume that it will be sold more or less immediately (...
1
vote
0answers
70 views

Amex personal savings

I opened Amex personal savings when I lived in U.S. with U.S visa. But now I moved to Germany due to my job and no longer live in U.S. For TAX reason, Do I need to send W-8 BEN form to Amex national ...
0
votes
2answers
96 views

What can I do if I believe I made a credit card purchase from a fradulent site

I made a purchase (via a debit card but without the PIN, so I believe that falls under credit card rules) and upon further investigation I'm pretty sure the site is fake and will shut down without a ...
0
votes
1answer
36 views

CAT & ILS Bonds/funds [closed]

I'm constructing an portfolio with the objective to diversify as much as possible. I would like to include securities that are uncorrelated with the financial markets. The last few days I've been ...
2
votes
1answer
53 views

Does SE income for taxes have to be paid in the year or just earned?

If I earn self-employment income for, e.g, taking someone's photo in late December but don't receive payment for that service until January and my tax year matched the calendar year, does that income ...
4
votes
1answer
52 views

Is compensation for European flight cancellation taxable in India?

Here is the situation: Indian resident receives compensation (under EC Regulation 261/2004) for cancelled flights while on business travel within EU. Is it taxable in India?
22
votes
3answers
4k views

I would like to get cash for money judgement

I am a landlord who got a settlement via garnishment of my ex tenant's account. The total of money owed came to about $30,000. I have collected about $11,000 and would like to get cash for what is ...
0
votes
2answers
171 views

How are micro-finance banks able to offer interest rates so much higher than traditional banks?

Recently while browsing on google I came to know that there are few small-finance banks which offer great returns with the high amount of interest rate up to 7% and fixed deposits up to 9-9.5%. like ...
0
votes
0answers
22 views

How to check PF Employer recovery [closed]

My Employer cutting some amount in my salary as PF & PF Employer recovery , i saw the PF balance in https://www.epfindia.gov.in site, but where i can check PF Employer recovery balance ? or Is PF ...
2
votes
2answers
258 views

why don't banks invest money in mutual funds or shares instead of giving personal loans

Banks offer personal loan at interest rate of 11 %, but why don't they invest those money in mutual funds or shares and earn more ?
5
votes
2answers
155 views

Stock owned by minor reaching adult age

I am not a US person. My son (also not a US Person) has stock in a companies traded on the NYSE and held by an agent registry. (eg. Computershare). As he reaches 18, is there anything I need to ...
3
votes
3answers
122 views

How much variation between lenders is there in the cost of financing a home mortgage loan (in the United States)?

Short Version I recently spoke with a mortgage loan officer who told me that shopping around for the least expensive home mortgage loan is essentially a waste of time, because (due to regulation) the ...
0
votes
0answers
27 views

Taxes due on trust inheritance

What is the IRS form which will divide the tax liability of inheritance from a trust between the heirs?
0
votes
1answer
64 views

Why would a company issue a put warrant at this strike price?

On interactive brokers I was looking at stock warrants for BP. I saw a put warrant with a strike price of 600 GBP and its price was 5.12 EUR with commission. Why would this warrant be issued? Isn't ...
0
votes
1answer
44 views

Real Estate Agent Exclusive Agreement - Geographic Restriction

I am searching for homes in two different geographic locations in NJ. I was refereed to an agent who is local to one area I am looking at buying. I told him I may want to look further south and ...
3
votes
2answers
141 views

Car title ownership

My boyfriend and I just bought a pick up. We both signed a loan from the bank but he was the only one who signed the paperwork from car dealership. Does it mean that my name is not in the car title ...
5
votes
4answers
874 views

What are the advantages of a tax deferred investment account?

So, I suspect I am missing something huge about this. But I notice there is a lot of talk about retirement accounts recently such as 401-Ks and IRAs. I understand these come in two flavors, ...
5
votes
1answer
177 views

What are the financial implications of merging my wife's bank and investment accounts with mine?

Background I've been married to my wife for eight years. For that entire time, we've had separate bank and investment accounts, mostly due to inertia. I make most of the money, and so I manage all ...
1
vote
5answers
228 views

How does buying a call option make more money than simply buying stock?

By my reckoning, buying a call option on a stock when you believe it will go up will never yield as much profit as simply buying the stock outright. For one, the strike price is generally higher than ...
1
vote
1answer
40 views

Calculating the basis for shares of international stock mutual fund

I'm calculating the basis in connection with redeeming shares of an international stock mutual fund. The fund has paid dividends quarterly, which I reinvested. I'm reviewing the Federal 1099-DIV ...
2
votes
1answer
40 views

Selling Interest Rate Swaps

Suppose two parties have entered into an interest rate swap. Would it be possible for one party to sell their portion of the contract to another party? Or would that party have to enter into an ...
0
votes
1answer
37 views

What information from my 2018 and 2017 tax returns should I reference to complete my 2019 form W-4?

The 2019 Form W-4 worksheet and the IRS withholding calculator are asking questions about deductions and adjustments. I do not know these numbers from memory and I think I can get them from prior ...
4
votes
1answer
119 views

Entry/exit fees for ETFs, do I need to care?

I'm saving for my retirement, partly by buying ETFs. One of these ETFs is Amundi Msci Eastern Europe EX Russia. At the corresponding Bloomberg site, I found some information that confused me: Front ...
1
vote
0answers
34 views

What are the US tax implications of owning a controlling stake in a UK private limited company?

I'm currently a US resident alien. What are the tax implications of owning a controlling stake in a UK private limited company? It is unclear how complex filing is and what financial implications ...
3
votes
1answer
38 views

Are Governmental Roth 457b Distributions taxed if someone still works for the employer?

If someone has a Roth 457b plan, they're allowed to withdraw all the cash tax-free after they no longer work for the employer (as long as it's a qualified distribution). But if someone Still Works ...
2
votes
1answer
59 views

Understanding effective interest rate and compounding period

An article I'm reading says "An effective monthly rate [on a loan] is quoted over a one-month period. Since it is effective, it is compounded once per month." Is that still true if there's no ...
2
votes
3answers
308 views

Contributing to Roth IRA at beginning of year

I plan to contribute the maximum $6000 to my Roth IRA for 2019 in the next month. However, there is a good possibility I will make over $122,000 dollars with overtime and therefore will be ...
2
votes
2answers
170 views

What is the formula for calculating how many mortgage payments remain after variable extra payments?

I’m looking for a Wolfram Alpha equation to put in my rate, loan term, principal remaining, and monthly payment (and anything else) to solve how many payments I have left. All I seem to find are ...
1
vote
1answer
145 views

Is it a good idea to buy a garden property/allotment? [closed]

If I have the capital to buy a garden property (“Freizeitgrundstück/Schrebergarten“), would it be a good idea financial wise? Are garden properties a stable form of investment? What things do I have ...
3
votes
1answer
91 views

Options for non-US person outside US with 401(k)

This question is somewhat related to this one. I'm a non-US person (mid 30s) currently living and working in Europe. Previously, I lived and worked in the US (Massachusetts) for >3 years. In order to ...
4
votes
4answers
2k views

Do pension pots get interest? [closed]

Pension pot is the money, the employee and sometimes the employer and the government pay that gets accumulated into pension fund. But my question is, that this pension fund is basically a bank ...
3
votes
1answer
121 views

As an European citizen, how can I shop in websites that require a US credit card (a card with a US billing address) [closed]

Recently I started exploring a product (called "Google Domains" but that's not really relevant to the question). The point is, this product is currently open to "US residents only" and a few other ...
2
votes
0answers
129 views
+50

Stop filing federal annual return (Canada)

I incorporated my company several years ago and since then I've been filing both my provincial and federal annual returns (pay $20 and confirm info). According to many sources, having the federal ...
0
votes
1answer
93 views

What is this “Trading”, “Stock Price” when I type NASDAQ:FB?

I am very beginner to business and trading.. And On the other side I'm very expert in Computing and tech. When I type Facebook Inc. in Google, it shows me what is Facebook and Facebook as a company ...
1
vote
1answer
106 views

Can my grandfather receive money in the state of Wisconsin if he's unemployed?

Please read entire post before answering. Hello! My grandfather has lived here in the U.S for the past eight years. He immigrated here in 2010 and does have a green card (no citizenship). He also has ...

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