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3
votes
6answers
1k views

Can business in Australia charge a transaction fee for using a credit card?

Related to the question of whether a merchant can charge you more if you want to use a credit card, I'm wondering if this is a common practice in Australia (and if the question I just linked to is ...
10
votes
5answers
2k views

How do you quantify investment risk?

It's obvious that investing in stocks and bonds is not a guaranteed return--there is some risk, and this is well known. People talk about risk averse investors or riskier ones, or that one should ...
5
votes
3answers
1k views

How does a 2 year treasury note work?

The current prices of a 2 year seem to be near the 52 week low. Is that good? Let's say I had $1,000 to spend and I put it all in 2 year treasury notes. Could I sell them in a year like stocks (if ...
5
votes
1answer
171 views

How to tell if you can trust a loan company?

What do you look for? Good UI design? BBB accreditation? Yelp, NYTimes mentions? What should I expect of the customer service when making my decision to take out a loan? What information should I ...
5
votes
3answers
605 views

Is there a rule of thumb for how much to save into your pension for retirement?

Pension sites often quote "Use our pension calculator to estimate the amount of pension income you could get when you retire. This will help you decide how much you need to save to get the retirement ...
5
votes
2answers
173 views

Tips to putting the yearly health insurance payments to work

I have been making my annual $1.5k health insurance payments to Blue Cross and now it feels like I am pouring money down the drain year after year! Since I exercise daily, eat healthy and keep myself ...
3
votes
1answer
374 views

Does your employer have to hold back taxes on your paycheque?

I've been looking at ways to increase the amount of liquidity that I have on a day-to-day basis, and notice that I have quite a fair amount of my bi-weekly pay cheque going right to taxes that I'm ...
11
votes
10answers
721 views

Are mortgage interest deductions really a reason for buying a house?

I've read in several articles that a good reason to buy a home instead of renting is that you can deduct mortgage interest on taxes. I don't follow this reasoning though.. If I take a loan so that I ...
5
votes
5answers
2k views

Automatic investments for cheap

I'm looking for a way to do automatic investments (say to put $100 every month into an index fund). I use Sharebuilder for my regular investments, but it looks like they charge $4 per transaction for ...
2
votes
1answer
454 views

ADR listed in PINK

I am interested to invest in Tesco. It will be easier for me to invest through US stock market instead of UK. I was wondering, is it correct for me to buy ADR TSCDY listed in PINK? As I recently ...
8
votes
4answers
704 views

How to evaluate an annuity

My mother wants to gift annuities for me and each of my siblings. Great...uh, maybe. I'm concerned that she may be purchasing some expensive crappy investment she doesn't need to achieve what she ...
18
votes
2answers
21k views

How to access a really old, untouched bank savings account?

I was just going through old things and found a Wachovia account opened for me by my aunt - specifically, I found the checkbook and transaction record. The transaction book is dated April xx, 1998 and ...
9
votes
7answers
10k views

A University student wondering if investing in stocks is a good idea?

I'm a University student (with a University student budget) and I was wondering if it is worth my trouble and my money to invest in the stock system? I don't know much about it, but it seems like a ...
26
votes
1answer
1k views

Estate with negative net worth

If someone dies with a negative net worth, what happens to the bills and debts that they leave behind? If I am the next of kin, or if I am the estate administrator, am I responsible for the debts? ...
3
votes
1answer
485 views

Can you please explain what the information in this stock quote means?

I'm trying to understand shares as of "now", so I know more or less nothing about them. I have discovered this website: http://www.google.com/finance?q=microsoft I entered in microsoft and it comes ...
10
votes
3answers
359 views

Does that mean I'm fooling the US gov?

I'm a foreign student studying in the US. Soon, I'm a launching a website where an American ad agency will handle posting the ads on it from American advertisers and the revenues are supposed to go to ...
2
votes
2answers
132 views

Could someone explain this scenario about Google's involvement in the wireless spectrum auction?

Could someone explain this: What will that mean? If history is any guide, Page’s idealistic impulses could result in a vaster, more sprawling company. In 2008, Google participated in an FCC ...
3
votes
4answers
3k views

Rebate vs Discount

What makes more sense? Giving buyers a discount on pricing based on everything they would buy. (I suppose they could potentially buy more?) Raising the price on items but giving customers a rebate ...
3
votes
1answer
1k views

How can I determine the exchange rate and fees that were applied to an international wire transfer?

I received a wire transfer from Europe a while ago. The money was sent as EUR and converted into USD by HSBC. Since the incoming transaction showed an amount that was around 3% less than expected, I ...
7
votes
1answer
18k views

What happens to my shares if another company purchases my company?

If I have 50 shares in company A (worth $20 a share) and company B (worth $400 a share) comes along and purchases Company A, what happens to my 50 shares?
3
votes
3answers
120 views

Where do I get the best interest rates on a loan?

What do you think about Peerform, Lending Club, and Prosper in relation to these other Banks, credit unions, etc.? I am looking for a debt consolidation loan and I have a decent FICO ~700.
5
votes
2answers
425 views

Do US banks lend your money to foreign banks during the weekend while you cannot make withdrawals? [closed]

I was told by an economics teacher once that banks take advantage of the weekend being closed to deposit on hand cash in foreign banks, specifically Mexican and South American banks. The lending bank ...
7
votes
2answers
181 views

To Roll over to a Roth or not?

A friend of mine advises me to roll my current 401k into a Roth and take the tax hit now. He thinks that tax rates will definately be greater when I plan on retiring 15 years from now. I plan on ...
4
votes
2answers
340 views

Change visa card type without changing number

Is it generally possible to change a credit card from one "specialty" to another, without changing the credit card number or expiry date? For example, is it possible to switch from a TD Drivers ...
8
votes
5answers
733 views

I want to buy a house in a few years, what should I do now to improve my bad credit?

I have bad credit, score is in the mid 500s, and I have been paying off old debt accounts. There are still a few left to pay, but what I want to know is what will raise my credit score, how much can ...
16
votes
8answers
16k views

What is the incentive for a bank to refinance a mortgage at a lower rate?

I can't figure out why banks would actively try to get their customers to refinance their mortgage at a lower interest rate. And to be absolutely clear, I am talking about a bank refinancing a loan at ...
5
votes
1answer
114 views

What effect would a lower U.S. government credit rating have on TIPS?

TIPS = Treasury Inflation Protected Securities. Inflation could come quickly if the U.S. starts printing money to pay debt. I'm thinking about investing in these to protect my portfolio. How does ...
8
votes
3answers
3k views

Why does interest rate go up when bond price goes down?

Why does interest rate go up when bond price goes down? Thank you very much!
9
votes
4answers
11k views

Why are monthly mortgage pre-payments applied to the back-end of the mortgage?

After having paid several years of 'extra' principal payment on my mortgage, I found that the extra monies were being applied the the 'back-end' of the mortgage instead of the 'front end'. The ...
1
vote
1answer
321 views

Where to find free Thailand stock recommendations and research?

I have a portfolio which consists of Thai stocks and I need inputs on how to re-balance them. Where could I get free recommendation/research about Thai stocks? Thank you very much!
4
votes
1answer
243 views

Ontario HST Rebate: What was the mailing date of the June, 2011 HST rebate cheque?

What was the date that the June, 2011 HST rebate cheques were mailed? I have my bank statement that covers up to June 17th and the HST cheque was not deposited by that time.
4
votes
2answers
243 views

Buying a short-sale property with repairs needed

I'm looking at purchasing a property that might require somewhat extensive repairs to one of the buildings on the lot (charred timbers in the ceiling of the detached garage/barn from an old fire). I'...
13
votes
4answers
2k views

Someone has my check: any risks?

Some time ago I found a room to rent in another city (via Craigslist). I talked with the lady renting out the room on the phone and after we made a deal I sent her a half of the month rent ($375). Not ...
9
votes
3answers
155 views

Comparing/reviewing personal health insurance plans for the self-employed

I'm looking at needing to acquire personal health insurance in the next few months as I move from a job with good benefits to self-employment, and I've found that it's pretty difficult to compare the ...
8
votes
7answers
4k views

If the U.S. defaults on its debt, what will happen to my bank money? [closed]

Will I still be able to withdraw from my bank account if the U.S. defaults?
5
votes
4answers
35k views

Typical return for an IRA? How can I assess if my returns were decent?

The year to date return on my IRA is currently 5.3%, the DJIA is 9.5%, and the NASDAQ is at 7.7%. Is this normal or should I be disappointed? I'm just starting to pay attention to this kind of thing,...
2
votes
3answers
285 views

Using Euros to buy and sell NASDAQ stocks

I'm looking for the best way to buy and sell stock on the NASDAQ using Euros from Spain. I currently use Charles Schwab to trade in US dollars, but I'm not aware if any similar companies exist in ...
3
votes
3answers
2k views

Are buyouts always for higher than the market value of a stock?

When a company buys out another company is it always the case that the company doing the buying pays more than the current market value of the stock of company being bought? Can a company not bargain ...
4
votes
1answer
130 views

What issues will I have with my financial accounts after a name change?

I have been considering having my name legally changed. A concern is what types of financial issues this would cause. If I have accounts in my (current) name and I get my name legally changed would ...
6
votes
1answer
119 views

Can creditors force sale of shares to pay debt?

Can creditors force us to sell our shares in order to pay or reduce debts owed or perhaps put a court order in place in order that we use any income from them to reduce any debt? (We are in the ...
9
votes
3answers
2k views

I'm 23 and new to investing. How should I diversify my 401(k) based on my plan's choices?

My employer matches 100% of up to 4% of my gross salary. I want to contribute at least what is matched. I'm 23 and have a gross salary of $70k, and I know very little about this. I was hoping someone ...
6
votes
1answer
187 views

When “someone makes X dollars a year in the US”, is that gross or net income?

I often hear/read the phrase "makes X dollars a year". Could you elaborate what this means? So, for instance, if someone makes 45 thousand a year (in the United States), how large is his monthly net ...
1
vote
1answer
622 views

If you are married filing jointly, is your AGI (or modified AGI) the sum total of your income?

I'm trying to determine whether my wife can contribute to an IRA. The table on the IRS website talks about AGI and I'd just like to know whether the AGI in the case of married filing jointly is our ...
2
votes
1answer
297 views

I'm Canadian. Do I need to pay tax twice on my U.K.-based savings or claim as income?

I am a Canadian citizen and have money in an account for a friend in the United Kingdom. I have been taxed on this portion. My question is: will I be taxed when money is wired to my bank account in ...
3
votes
2answers
4k views

How to transfer personal auto lease to business auto lease?

What is involved in transferring a personal auto lease to a business auto lease? We have a car for our business that was leased prior to establishing our LLC, therefore it is under our names, ...
4
votes
1answer
5k views

Which banks / companies offer virtual or instant credit card services in the UK?

I'm looking to make a small number of hotel and guest-house reservations, and thought that generated credit card numbers with defined limits would be a good idea. Which companies provide such ...
8
votes
4answers
8k views

Will a 7/1 ARM be better vs a 30yr fix rate for a mortgage if I am prepaying part of the principal every year

I am a 1st time home buyer and I have just accepted a counter offer from a seller for a house that I like. The next step was to apply and get a mortgage for buying this house. Some background on the ...
10
votes
1answer
984 views

If you're married, can you still file an income tax return as a single individual?

Roth IRA limits on income make it advantageous for my wife to file single. We are getting married this year in November. The IRS says that if you are married filing separately, that essentially she ...
4
votes
4answers
241 views

How should I account for Social Security contributions?

I'm currently tracking all my finances with GNUCash, and splitting the various paycheck deductions into expenses. It's pretty nice to be able to correctly predict what will be on my W2, and it's even ...
6
votes
3answers
4k views

What things should I ask for in a lease addendum from tenants?

I am renting my home for a short, nonrenewable period. I have a standard lease agreement in hand which I'll use (one example here). It talks about the big issues: payments, security deposits, ...

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