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1answer
6 views

Does the amount owed listed in my account on irs.gov include both federal and state taxes owed?

I don't see any kind of indication of whether the amount owed listed in my account on irs.gov includes both federal and state or just federal. I've received letters in the mail about how I owe state ...
1
vote
2answers
38 views

How can I help a 17 year old track and pay me back a personal loan?

I’m selling my 17 year old cousin my car. He wants to make regular payments on it, every two weeks or so. Instead of taking cash, issuing receipts, and tracking this on paper somewhere, I’d like to ...
0
votes
1answer
14 views

What is the graph of hedging using put options?

An investor owns 1,000 Microsoft shares. The price is $28 per share. He is concerned about a possible share price decline in the next 2 months and wants protection. Buying ten July $27.50 put option ...
3
votes
2answers
38 views

Taxes on rent back

I know there are risks to this, but I'm only asking about viability. Let's say I buy a property in the United States and did a one to three year rent back to the previous owners. The sellers would ...
2
votes
1answer
19 views

How to “validate” online stock trading platforms?

I don't consider myself an investor, mainly as I don't have sufficient disposable income to invest. However over the years I've accumulated a number of share certificates for various public companies....
0
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2answers
41 views

Why do banks park their money at the european central bank instead of buying stocks?

Sorry for asking a very very similar question to [1], but I'm still confused why banks would not invest their money in stocks instead of parking it at the central bank and pay the negative interest of ...
0
votes
2answers
54 views

What are the payoffs for a seller of call options?

Suppose IBM stock is trading at $100 per share and a trader purchases one IBM $100 call option for $2.00 per contract. Scenario 1 IBM is $105 at expiration. The buyer's profit would be $300 (...
0
votes
1answer
25 views

Finding the future value when investing a single sum and then an annuity

If I invest amount A today for N years and then invest amount B every year for the same N years (as an ordinary annuity), then to find the future value at the end of N years should I treat the first ...
0
votes
1answer
14 views

Clarification on definition of Negative Term Spread

I've been trying to educate myself on some financial terms and I've gotten into a point where I'm a little confused. Reading Understanding Term Spreads or Interest Rate Spreads I guess to understand ...
0
votes
0answers
14 views

How to find the most efficient gamma and vega hedging

I want an options position where I can short some options to pocket the premiums and benefit from the time decay. I also want to be vega and gamma neutral. Is there an established way to find which ...
3
votes
0answers
63 views

Will I get trouble with CRA, if I withdraw yearly maximum Capital Gain without paying tax in ON for many years?

Assume I get 0 income and my Capital Gain doesn't fall. I live in ON. Call F the maximum federal tax bracket ($12069 in 2019), and P the maximum provincial tax bracket ($10582 in 2019). Retirement ...
-3
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0answers
38 views

How I can learn things about trading? [on hold]

Im would like to start in the finances world, I know how the trading works and how you can win money with it, I understand the mathematics base from that, the things that i dont know its how I can ...
1
vote
0answers
66 views

How much tax does a French taxpayer have to pay for donations received via crowdfunding platforms (e.g., GoFundMe)

How much tax does a French taxpayer have to pay for donations received via crowdfunding platforms (e.g., GoFundMe (mirror))?
2
votes
1answer
63 views

Can I take my prequalification letter anywhere in the state?

My family and I are about to apply for a pre-qualification letter with our credit union, but we honestly have not seen any houses in the city we live in that we like. Are we constrained, once we get ...
0
votes
0answers
30 views

Buying foreign exchange in India without a bill: illegal?

Is it illegal to buy foreign exchange without a bill in India? Also, is it illegal to convert foreign exchange to INR through an unauthorized dealer? If yes, which laws are broken?
0
votes
1answer
61 views

Investing and saving advice in Italy during first employment

I'm a 23 years old programmer working full time in Milan since September 2019. I'm currently not paying for rent and utilities and I'm managing to save 1200€ net a month (I have no debts). This money ...
2
votes
0answers
46 views

Leveraged NASDAQ ETF outperforms 3x non leveraged NASDAQ ETF?

I was reading article an about leveraged ETFs on seekingalpha and found this: High-beta strategies have the potential to help you achieve your goals. Of particular interest is the fact that having ...
-1
votes
0answers
51 views

Why is it not about asset but about cash flow when it comes to stock investment? [on hold]

I have seen in some YouTube videos about making a living from stock investments, and mentioned it was not about asset, but about cash flow. It seemed to be related to Rich Dad Poor Dad's idea about ...
-1
votes
1answer
156 views

I met a woman online

I talked to her on hangouts and also via texting. She asked me if I had a bank account and informed her that I don't. She then says that her uncle is in Mexico would send a check made out in my name ...
0
votes
4answers
199 views

Why do banks loan at APR ≤ 3%, rather than investing that principal in ETFs?

I don't think this duplicates Why do banks give small APR loans, because I'm asking HK, and APR = 3% here not $4%. I screenshot picture beneath from HSBC HK. Scroll down a quarter of the way, and ...
5
votes
2answers
160 views

Should You Pay Off A Low Interest Loan From Emergency Fund

I have a car loan that is pretty low interest at 3.49%. It has 3k left and I have enough to take it out and still have an emergency fund for rent, and the small student loans I still have. Each month ...
3
votes
1answer
67 views

I left my job after a few months. I was not fully vested. Why is the non-vested amount still on my 401K plan?

I left my job after a few months. I was not fully vested. Why is the non-vested amount ($1000) still on my 401K plan? Why doesn't the employer just take the non-vested money away and put it in their ...
0
votes
1answer
39 views

Is it necessary to have different asset allocation for short-term needs?

I'm in my early 20s and have 60K in retirement accounts and 80K in taxable accounts. Both are invested in low-cost mutual funds, 80/20 stock/bond split (specifically 60% VTSAX, 20% VTIAX, 20% VBTLX). ...
1
vote
0answers
16 views

Combine 121 and 1031 - how much capital gain is non taxable?

Section 121 allows $500k of cap-gain to be non taxable (in the right circumstances) Section 1031 allows the deferral of capital gain taxes (in the right circumstances), and they can be combined. But I'...
3
votes
4answers
210 views

18 years old and looking for advice on loans, buying a car, financing, etc

I'm 18 years old, I've been growing up in a place where there is animosity towards success, trust nobody and help from nobody is the point. Finally I'm on the right path but I'm having troubles. I ...
2
votes
1answer
82 views

Is it normal to be asked to include detailed financial information on a home rental application?

I'm submitting a rental application for a privately-owned townhome in North Dakota, US. The application asks for more detailed financial information than I have ever had to provide on past ...
0
votes
1answer
121 views

A bank's unprofessional treatment of POA

My aunt assigned me as her Financial Power of Attorney. I mailed the POA document to her bank, and after that, bank employees were treating me like I was her POA, for example, giving me the balance on ...
0
votes
1answer
28 views

What factors should be considered while buying home insurance?

I own a flat/home/unit in an apartment. I recently paid off all may outstanding mortgage. While the mortgage, the home-insurance was owned by (in name of) bank which is now cleared off. As there is ...
1
vote
1answer
26 views

How does a margin account work?

If you open a margin account, does this mean that you are putting your OWN money in the margin account which is supervised by a broker and to whom you pay interest to?
0
votes
1answer
23 views

what Is the relation between margins, brokers, and clearing members?

What is the difference between clearing margin and margin maintenance? I know that an investor in a futures contract is required to keep a maintenance margin with the broker. The broker will require ...
1
vote
1answer
27 views

How to make strategy for diversification between real estate and stocks?

I am living in tier 2 city in India and my father have all investments in real estate in my city. He had brought land earlier(20-25 years ago) when the prices were pretty low. It has given so much ...
0
votes
0answers
27 views

How do futures clearing houses work?

I know that in a futures trade there is a clearing house which sets margin requirements. However I read online that: Clearing houses take the opposite position of each side of a trade which greatly ...
2
votes
1answer
138 views

Company cash going through my personal bank account

I work for a franchise, our clinic is located in one state and our administrative offices in another. I am required to do the accounting for our office. I have a credit card machine which processes ...
-1
votes
2answers
96 views

Figuring out a way to reduce credit card spend due to memorizing the card number

I have been fairly good at controlling my credit card spend, but occasionally I spend more than I intend (online). I am not in any kind of debt, and I come out positive at the end of the month, but I ...
1
vote
1answer
56 views

lowest tax bracket vs “Tax table” in United States

It is commonly assumed that there are a handful of tax brackets in the United States. For example, when filing as Single, up to a taxable income of 9,700, one is supposedly in the 10% tax bracket. ...
1
vote
1answer
46 views

Clarification about the definition of 'defensive portfolio' in the book 'The Intelligent Investor'

The book 'The Intelligent Investor' defines 'defensive portfolio' as one that holds, at least, 50% of bonds and 50% of stocks, being it more defensive as the proportion of bonds increases. However, (...
-1
votes
0answers
24 views

Bank Investment Data in USA

Is data on investment practices of banks publicly available? If so, how can it be accessed? If not, are there any strategies to determine how a bank invests it's money?
0
votes
0answers
53 views

What's yearly maximum Capital Gain without paying tax in ON?

Assume I get 0 income except Capital Gain. I live in ON. I know just 50% capital gain is taxed. From Wealthbar screen-shot below, what's maximum Capital Gains that I can earn yearly and pay NO tax? $...
0
votes
1answer
53 views

Paying bills by bank account

I paid the bill by bank account on nov.11. It has been 4 days but the payment wasn't recorded on checking acc yet. Should i call the bank or wait a few more days?
1
vote
1answer
76 views

Is $50k in business income enough to consider hiring a pension specialist?

I am currently a full time software developer, and have a side business done under my own LLC (S corp). For the sake of having concrete numbers, lets say I make $100,000 through my full time job, and ...
6
votes
3answers
448 views

What is a deductible?

New grad just out of college and working at a job that is asking me how much I want to contribute to my HSA. My medical plan deductible is $3,000 and I am a single filer (when it comes to tax) so I ...
0
votes
1answer
32 views

What does it mean to short a futures contract?

I am currently studying the convergence of futures price to spot prices. I know that as the delivery month of a futures contract is approached, the futures price converges to the spot price of the ...
1
vote
1answer
45 views

Choosing a Trust Bank/Investment Account

Not that it matters for this question, but for people following my life story :), this is a follow up to this question: Options for Protecting Inheritance Before Death? So we have created an income-...
-2
votes
0answers
77 views

Credit card garninshed for amount much larger than credit limit

I received a credit card from capital one bank for a $200.00 credit limit. They have now garnished my account for $ 7000.00. How can they do that?
0
votes
1answer
25 views

Historical Data For Options? [on hold]

Is there a site where I can get historical options data? Where I can see what the price of a particular option was several days ago?
3
votes
4answers
72 views

What formula can I use to calculate compounding interest with recurring investments?

Assume I am saving X dollars per year every year, and every year I earn 10 percent on what I saved the previous year. e.g. if I am saving 100 dollars every year I would see the trend: 100, 210, 331, ...
4
votes
8answers
1k views

Do monthly payments decrease on a mortgage later in the loan? [duplicate]

I am planning to purchase a home and all calculations and the banks say principal, interest, property tax, plus mortgage insurance will be close to $1000 per month. The calculator show that if I ...
2
votes
2answers
60 views

MER of an ETF that holds another ETF?

I have an ETF: VFV (VANGUARD S&P 500 INDEX ETF) that has a fee of 0.08%. This ETF is traded in Canada and holds the U.S.-domiciled Vanguard S&P 500 ETF: VOO. This fund has a fee of 0.03%. ...
0
votes
2answers
165 views

How do speculators make profit?

I am having some difficulties understanding the difference between hedging and speculation. HEDGING AND FUTURE CONTRACTS I know that if the investor gains when the price decrease and loses when the ...
0
votes
0answers
48 views

How does stock ownership registration work

How does stock ownership/registration work intraday? To give an example, if a hedge fund buys 100 shares on an exchange and later in the day sells them on a different venue such as a MTF or dark ...

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