All Questions

0
votes
2answers
15 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
0answers
18 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 ...
-1
votes
0answers
15 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 ...
3
votes
1answer
88 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
59 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
104 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
47 views

I specified the bank's IBAN instead of my account's IBAN

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
38 views

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

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
46 views

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
67 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
0answers
53 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 ...
0
votes
1answer
24 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
568 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
70 views

Selling and distributing my Software [on hold]

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 ...
0
votes
0answers
42 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. It would just be ...
0
votes
1answer
90 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
52 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
91 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
53 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)? [on hold]

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
41 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
148 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
94 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. ...
29
votes
5answers
9k 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 ...
4
votes
1answer
180 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
58 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 ...
18
votes
7answers
7k views

What happens to the shareholders when a public company declares bankruptcy?

If you are a shareholder of a public company and the company goes bankrupt, what would happen to your share? Does the share still represent your holding in the company? And if the company goes out of ...
1
vote
1answer
46 views

Can I deduct 529 college savings plan contribution from California income tax as a gift?

When I contribute to a 529 college savings plan, can I deduct the contribution from my California income tax as part of the gift tax exclusion (up to $15000)?
2
votes
2answers
253 views

HSA withdrawals for past years?

A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019. She kept records of all her qualified medical ...
0
votes
0answers
27 views

ETF: ITOT ticker cost calculation?

Forbes says: "The iShares fund from BlackRock ticker ITOT will over the course of a decade chip only $6 out of a $10,000 investment." How is this $6 calculated? The web page for the fund says: "...
3
votes
3answers
2k views

Understanding my company's liabilities

I am seeking to close a UK business I own but I am worried about being hit with a huge tax bill. I have been provided a balance sheet which states the following: TOTAL ASSETS LESS CURRENT ...
0
votes
0answers
91 views

I have been asked what financial services you're offering? [on hold]

I'm selling digital currency and wanted to pay tax so I filled out the form and sent it to the tax agency. In response they asked me this question and I don't know what they really mean: What ...
1
vote
1answer
49 views

The value/price of an ETF

From my understanding an ETF has the advantages of a managed fund with the advantages of a stock. Advantages of a managed fund: a) An ETF is a collection of stocks that are packaged into a single ...
1
vote
0answers
31 views

why are there (slightly) different statistics among different websites for the same fund?

I generally assume the statistics (especially expenses-related statistics) for any given fund should be the same across different websites as they collect the information from the same resource/origin....
0
votes
0answers
43 views

Insurance CoInsurance company discloses financial claim information to the doctor office without consent, resulting in debt harassment

My Mother's insurance requires her to pay all doctor office fees upfront and then file an individual claim for reimbursement. Is it illegal for an insurance company to disclose financial claim ...
-1
votes
0answers
35 views

What US credit card offering provides the most data retention for download? [on hold]

My bank lets me download credit card transaction data for up to 3 months. The limited time-frame is really annoying. I'd like to perform trend analysis over longer periods of time going forward, ...
0
votes
2answers
77 views

GBP multinational transfer to avoid bank instability due to Brexit

I was working in the UK for several years and managed to save about 60k GBP in my Santander UK account before moving to France in 2017. I left the money in this account when I left. Today, with the ...
0
votes
1answer
46 views

Recent Green card holder. From US, how to Transfer money from my Indian SB AC to my recently opened checking account in US

Recent US Green card holder not NRI, as came to US just 2 months back. After coming to US, how can I Transfer money from my own savings bank account in India (No NRE or NRO A/C) to my recently opened ...
0
votes
0answers
60 views

How do I solve this exercise with bond and probabilities?

I have a bond with coupon rate 10% and annual coupon payments with maturity 3 years, face value 1000 and yield to maturity 8%. The bond pays the first coupon with 20% probability and nothing with 80% ...
3
votes
1answer
99 views

How can I make the cheque for my bank account closing balance usable by someone else?

When closing my UK bank account and moving abroad, I got a cheque from my building society that states Pay MR F M ANAPHORY *********** The Sum of (Not exceeding ten thousand pounds unless ...
4
votes
3answers
189 views

Where should a young person living in Switzerland invest their money?

I am an 18 years old student living in Switzerland, doing my apprenticeship as a software developer. In the last few years I saved around 10'000 francs and instead of buying a car I thought to invest ...
0
votes
3answers
204 views

Is it reasonable to charge extra for additional tenants in a single room?

I’m considering subleasing rooms within a single family home. I expect that one of my potential tenants will have their significant other boarding with them. It was originally expected that only one ...
2
votes
1answer
77 views

Can I Report The Recipient of an ACH Transfer?

I made an ACH transfer through a business account. I willingly transferred the money. Later on, I discovered that they were a scam. I had to hold liability for the money I transferred. But, the ...
0
votes
1answer
45 views

Why does it take “3 to 5 business days” for the trades to execute with Health Equity HSA accounts?

When making a trade with Health Equity HSA account, there is a notification: NOTES: The number of shares or the amount of the trade is only an estimate. The exact amount will depend on the ...
2
votes
2answers
161 views

how to divide ownership of a house with family member who stopped contributing 8 years ago?

My brother and I bought a house together back in 2006 for $270k. We both contributed 50% to the mortgage between 2006 and 2011. My brother moved out in 2011 and stopped contributing to the mortgage, ...
0
votes
2answers
28 views

Cross listing question with example

I would like to ask how it is possible that the company traded on two different exchanges has a totally different stock price. For example: Avast Plc (AVST.L) on London Exchange and Avast Plc (AVST....
0
votes
0answers
46 views

Taxes and Minecraft servers [duplicate]

I am a teenager who plans to start a Minecraft server. I live in the United States and I assume that I will need to pay taxes. My parents want to find out more about the taxes. I've read a couple of ...
6
votes
4answers
222 views

Products for withdrawing from a home's equity?

I am a current homeowner with a property that has no mortgage (everything has been paid off). A family member is in need of some cash to consolidate some credit card debt and I would like to help them ...
-2
votes
0answers
20 views

CAC90 DATA QUESTION [on hold]

Im am constructing a P/E Regression model in order to value a company on the CAC90. In order to do that we need data on: 3 year growth rate of revenue 1 year beta ROE If they dividend or not Is ...
2
votes
1answer
104 views

IRS letter received after response due date

Today (January 12, 2019), I received a letter from the IRS dated December 10, 2018 (I live in Germany). The letter has a "response due date" of January 9, 2019. Obviously, I wasn't able to reply to ...

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