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Apartment owner is listed as Additional Insured on renter's insurance policy

I have concerns about liability protection with my current renter's insurance policy. I would like to understand if there is anything more I can do or push on my current insurance provider regarding ...
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  • 131
0 votes
0 answers
49 views

Can I use a friend's bank account while living abroad?

I've been living abroad for 2 years and work as an expat independent contractor. A friend is willing to open a bank account, on his name, exclusively for my use - so my client will send payments to ...
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1 vote
1 answer
19 views

How do you empty an online virtual debit card?

I have an online virtual debit card which was provided from a company as a refund. To all intents and purposes, this is indistinguishable from a physical card but I've yet to find anywhere online ...
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  • 11
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0 answers
23 views

Am I French Tax Resident?

I moved to London from Paris in March 2021 while my wife and son are still in Paris. I was assuming that I am a UK resident for tax purposes till I came across "the definition of 'domicile fiscal'...
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0 votes
1 answer
24 views

Best approach to select strike prices for an Iron Condor?

Options beginner here. I'm aware of three popular ways to select strike prices for Iron Condor. Select strikes such that they are equidistant from the CMP. Select strikes such that the they form a ...
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1 vote
1 answer
66 views

The cost of living in a "High-Status Neighborhood"

I was reading this question about The Millionaire Next Door, after recently finishing the book myself. I remember that the book warned against living in a "High Status Neighborhood," in ...
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  • 435
0 votes
1 answer
24 views

What is a price gap exactly? candle shadows does matter in this pattern or not?

According to Investopedia, gaps are defined as: Spaces on a chart that emerge when the price of the financial instrument significantly changes with little or no trading in-between. Considering this ...
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  • 101
0 votes
1 answer
65 views

What specific services, if any, is a bank required to offer to call themselves a bank in the United States?

Someone close to me operates a small business, and has been doing their banking through a relatively young fintech startup which advertises "full-stack business banking". Recently, with only ...
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0 votes
1 answer
60 views

Is "buy now pay later" beneficial for consumer? (the four interest-free payments)

Recently, I listened to the podcast episode "Buy now, pay dearly" from Planet money about how companies offer an option to let you pay for a product with 4 interest-free payments. They ...
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  • 101
-1 votes
0 answers
21 views

Is there any difference between these two RIC options in Turbotax when specifying foreign dividend sources?

RIC = Regulated Investment Company.
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-3 votes
1 answer
99 views

Is there a way to have your credit score respect 0% APR?

I handle my credit like this: Pay for everything possible with 0% APR accounts. Put at least an identical amount into an interest-bearing account. Pay off the card when I want to maximize my credit ...
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  • 111
-2 votes
0 answers
66 views

Why insiders are not required to report prior to transactions

I'm just wondering. If SEC really want to put investors first and protect them against those privileged persons (insiders), why it doesn't require insiders to disclose a trade prior to it transaction ...
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  • 125
0 votes
3 answers
59 views

Disability insurance available for severe events

I have health insurance, supplemental AD&D thru my company, short-term and long-term disability. I have private small supplemental IDI as well. If one were to fall ill with cancer or experience ...
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  • 1,021
0 votes
0 answers
75 views

How to get a mortgage soon when self-employed in 1-person LLC that is <6 months old

In Jan 2022, I got hired to work (remotely, living in USA) as a senior software engineer for a non-US company that was unable to hire me as a W2 full-time employee; they required me to create an LLC (...
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  • 346
0 votes
0 answers
16 views

Gnucash Asset Chart - Change 'End Date' to 'Yesterday' rather than 'Today'

I would like to have an asset chart to end on 'Yesterday' rather than 'Today'. I update equities based on yesterday's close value. Is there a way of hacking the scheme report code to relative . ...
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0 votes
1 answer
24 views

How to file form 1099 NEC free online

BH been looking everywhere, never did taxes before, only had one job where this company gave me a 1099 NEC form [no idea what that means], and so far turbotax, h&r block, ezTaxReturn, nothing. ...
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0 votes
0 answers
38 views

Shouldn't the fed selling mortgage back securities have a end result of lowering the interest rate? [closed]

I read this from https://www.axios.com/2022/05/18/fed-mortgage-portfolio Plus, the selling would likely push mortgage rates up further, at a time the housing industry is already starting to groan ...
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  • 123
1 vote
0 answers
36 views

Starting a second business as a Sole Proprietorship, S-Corp, or LLC with a DBA?

I'm planning on launching a business to provide voiceover professional services. In professional voiceover, your name is your calling card, so my first inclination would be to simply do everything as ...
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0 votes
1 answer
243 views

Is my plan viable for dealing with inflation?

Question about inflation and my idea about how to handle it. Electrical Engineer here,so please bear with me if I use non economics terminology. So as we see the prices are going up for everything. I ...
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15 votes
8 answers
4k views

Why is the mandated minimal liability car insurance coverage so high?

All over the world, you need car insurance that covers the damages you do to others. In Austria and Germany, this insurance has to cover at least 7 790 000 € of damages. Isn't it a bit high? This ...
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0 votes
0 answers
33 views

How do interest rates affect bond coupon rates?

Let's say interest rates are at 2% and I buy a 10-yr bond with a face value of $1,000 and coupon of $50. The coupon rate will be $50/$1,000 = 5%. Then, let's say that one year later interest rates ...
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0 votes
0 answers
83 views

How is dropshipping profitable if this Oberlo article says it costs $250 in marketing to generate 5 sales? Can someone help better explain this? [closed]

Under the headline, " Dropshipping marketing costs—the biggie", this Oberlo article calculates the hypothetical cost of generating 5 Facebook sales. The math includes the idea that it would ...
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-2 votes
0 answers
81 views

Comparing a home purchase to an index fund investment? [closed]

Hello I wrote a program that tries to calculate the profitability of a home investment vs. putting money in an index fund and renting. I was hoping to get my calculations reviewed. The calculator is ...
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2 votes
1 answer
94 views

Why are long term bonds subjected to a higher volatility, as well as higher yield than short term bonds?

Why are long term bonds subjected to a higher volatility, as well as higher yield than short term bonds? (Assuming normal yield curve). Say, I have 2 investment options and my investment horizon is 2 ...
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  • 21
1 vote
1 answer
109 views

Sibling wants to buyout inherited property with 4 total siblings. Should we remove sellers fees from value?

Four siblings have inherited a home/property. The appraised value is around $480k, but in the current market it would sell for much more. One sibling was already living in the house rent free and ...
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0 votes
1 answer
174 views

Why are index funds not always the optimal strategy for investing?

I heard a claim that it is always the best strategy to invest money to the index fund. Why is the mistake in that sentence? Because I don't understand why there are investment advisers if we already ...
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  • 3
-3 votes
1 answer
66 views

How can I compare multiple cryptocurrencies on a single chart at once? [closed]

I'd like to compare the growth of multiple crypto-currencies, such as Bitcoin, Dogecoin, and Ethereum, on a chart at once. How can I do this? https://Coinbase.com, for instance, does single-charting (...
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0 votes
0 answers
25 views

Australia. Joint Ownership with ex multiple properties. Are we in business?

hypothetical: Australia. Divorced couple. We have joint ownership of a number of residential properties. Not 'tenants in common' - 'joint tenants'. Neither of us is in business though one of us has an ...
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  • 119
-1 votes
0 answers
18 views

How to search for a key word in Mint's Note field

The search field in Mint was powerful and would find any keyword in the Description field. Since the new version of Mint rolled out, this field is now called "Notes" but the search field ...
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0 votes
0 answers
57 views

I paid R3999 for registration R4,799.05 for IMF now R3,768 for C.O.T is this not a scam? They will need another money after this? [duplicate]

I apply for a loan I pay 3999 for registration after IMF of R4,799.05 now I must pay R3 768 for C.O.T and they say I will get the money back is this not a scam?
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6 votes
3 answers
2k views

Scenarios in 10 years of fixed vs. adjustable rate mortgage (ARM) at the same rate?

I would like to get a list of possible scenarios when it comes to refinancing that I might not have known or considered at the end of the adjustment period. I am new to mortgages and ARMs I am ...
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0 votes
1 answer
192 views

Why have I started receiving pre-approved credit card offers for strangers?

I've been living at my current address for a couple of years now. It's not unusual to get mail for the previous residents, and as such I'm fairly familiar with their names and so on. In the last ...
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1 vote
1 answer
24 views

Correct evaluation of warrants

The warrant below (on TR) gives me the right to sell a stock for the strike price (at the day of expiry). At the current market price of the underlying of 744 USD and a strike price of 1150 USD, the ...
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  • 113
-1 votes
0 answers
60 views

Do any banks offer OTP confirmation for recurring payment? [closed]

There is a dark pattern that involves design decisions or settings that nudge or trick people into recurring payments when they intend to make a single payment. This has gained public visibility with ...
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  • 121
0 votes
0 answers
25 views

Do stockbrokers have to send all orders to SGX?

Suppose I have an account at a stock brokerage firm in Singapore. If place an order to buy or sell one lot of shares, will my order be sent to the stock exchange (SGX) and get executed there? Is it ...
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  • 14.7k
-1 votes
1 answer
89 views

What percentage of companies could have a consistent lower "return on capital" to its owners/shareholders and a higher risk than the S&P 500?

What percentage of companies/startups in the US or any other country could have a consistent lower "return on capital" to its owners/shareholders and at the same time a higher risk than the ...
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1 vote
1 answer
70 views

Complicated CGT conundrum

My husband and I bought a house with two other people 12 years ago. We were going to go into business with them, but shortly after we fell out with one of them making the whole situation very ...
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3 votes
1 answer
184 views

Effective interest rate of two loans

Let's say I have two loans and want to calculate the "effective" interest rate. To make things easy let's assume they have the same principal and the same terms (30 years), just two ...
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  • 6,989
-1 votes
2 answers
54 views

When a company sells a subsidiary or some of its assets, does the market reacts negatively? [closed]

When a company sells a subsidiary or some of its assets to pay off debts or refinance, does the market reacts negatively? I assume it is always negative as it reduces the company size and indicates ...
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  • 841
1 vote
1 answer
41 views

figuring out the cost basis of a primary home converted to rental and then off rental

I bought an apartment in Washington DC in 1995 to live in. Subsequently I moved out of DC (and a few years ago, out of the country) but kept the apt and rented it out for many years. I paid the ...
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  • 203
0 votes
0 answers
50 views

How to calculate distribution return for ETF?

I'm trying to calculate Growth and Distribution returns for ASX:VGS for 2021 based on historical data, but the results do not match what's published. Here I can see that in the 2021 Calendar year it ...
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1 vote
2 answers
46 views

German PhD Student doing a Paid internship in USA for 3 Months. How to handle the taxes?

I am doing my PhD in Germany and get paid by the university. This autumn I am going to the USA (Massachusetts) for an internship at a software company. For those 3 months my salary from the university ...
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-5 votes
0 answers
49 views

Will you apply for the boat IPO? [closed]

What are your thoughts about boat IPO?
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0 votes
0 answers
35 views

Do all analysts in the consensus use the same components? [closed]

In the mean consensus estimated EPS for a specific company, do all analysts use the same non-GAAP components in the calculation ?
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  • 841
-1 votes
0 answers
15 views

Is insider selling similar to secondary offering (non-dilutive)? [closed]

When an insider sells, isn't it similar to the nons-dilutive econdary offering ?
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  • 841
-1 votes
0 answers
23 views

When a company acquires another for a discount, does the market take it negatively for the target company only? [closed]

When a company acquires another company for a discount, does the market take this negatively for the target company only or for both, or positively for the acquirer?
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  • 841
0 votes
0 answers
17 views

How is the exchange ratio calculated in mixed acquisition? [closed]

How is the exchange ratio calculated in mixed acquisition (deal is split in cash and stocks)?
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  • 841
1 vote
1 answer
60 views

Mismatch in SAMSUNG PER

I'm new to the stocks world, and I'm trying to calculate Samsung Electronics PER by myself to get used to this calculations. To calculate the PER first I'm calculating the EPS from Samsung taking the ...
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0 votes
1 answer
69 views

When using land as a down payment for a construction loan, how much money can I borrow?

I am looking to purchase some land in cash (in the USA) and build a house on the land. I intend to use the land as equity (as part of the down payment) for a construction loan. I'm looking to ...
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0 votes
3 answers
80 views

Enter and Exit strategies to grow profit [duplicate]

The scenario is that a trader wants to trade just one stock through swing trading and take the profit. For example, the trader bought 50 shares of XYZ for the price $5. The stock went up to $7. He ...
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