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8 views

What kind of money scam is this? Weekly allowance?

So I was talking to this random "woman" on a social media platform, we exchanged kik username and continued talking random stuff. After a "she" said I should come over sometime, and I told her I was ...
1
vote
1answer
20 views

Higher-rate Tax rebate on Pensions (UK)

Suppose you are a higerh rate Tax earner, and you pay into a monthly pension. As per these questions: Payroll pension contributions- UK higher rate tax relief UK income tax relief on pension ...
1
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1answer
18 views

Calculating the expected return of bonds given a default rate

In The investor’s manifesto book by W. Bernstein there is an example of calculating the expected return of corporate bonds. It goes like this: Given that 10-year bonds yield an interest coupon of 7 ...
2
votes
1answer
27 views

When calculating credit score, does the “average age of credit history” field include closed lines of credit?

One of the important values in calculating credit score is the average age of credit line. What I am wondering is if this includes all credit lines ever opened or just currently open credit lines. ...
4
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0answers
79 views

Is it legal for a Lender to decline an offer after providing me a commitment letter?

I had my commitment letter given to me on August 8th. I provided all requirements for the commitment to get clear to close. The letter states that the commitment can be revoked only for any CHANGE for ...
-1
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0answers
46 views

(Hypothetical) Write off Loss of Cash due to bankruptcy of financial institution

Recently, there have been a lot of talk about $15 trillion worth of negative-yielding bonds being traded worldwide--and how this number is increasing. Some internet users suggest: why not hold cash (...
0
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1answer
52 views

Doesn't current issues - Brexit, trade war, rate reductions, etc. - make it now a good opportunity to invest in the stock market? [on hold]

I'm a long term (15y+), mostly passive investor. I find the current situation of the financial market somewhat absurd, especially the fear of a recession that seems a self-fulfilling prophecy. ...
1
vote
1answer
24 views

Broker that allows percentage-based trades [on hold]

Is there a broker available that allows you to place trades based on a percentage of your account? For example, I buy 5% if x stock price hits and sell 5% if y stock price hits. Most brokers base ...
1
vote
1answer
14 views

Should I write my stipend income while filing ITR 1 for TDS-2 (India)

I am new to income tax stuff. I worked as an intern in some company which deducted TDS (Tax Deducted at Source) on my stipend under section 194J (written on my Form 16A certificate). Now I want to ...
1
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2answers
65 views

Can i purchase property from my Dad, and can get home loan from Bank?

I would like to purchase property from my father, and I would like to take home loan. Could I get the loan to purchase, and for renovation of home?
0
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1answer
31 views

Where are mergers and acquisitions announced?

The Hasbro purchase of Entertainment One ETO at caught my eye. What was the first outlet to release this news? In general; are there a number of outlets that carry this type of information? Since ...
1
vote
1answer
93 views

Can I cash out Bitcoin without proof of provenance?

I have around 25 BTC from back when Bitcoin was around 10$ or lower. At the time, a friend sent them to me and I never thought they would ever be worth much. Since that time, I've moved them around ...
0
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1answer
35 views

Don't Dark Pools affect the correct price discovery of certain securities?

Given the fact that the non-exchange trading has increased significantly (in volumes) especially in the past decade and also, the fact that the price at which the transactions happen here are hidden ...
0
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0answers
22 views

Are there books about investing in collections/ gatherings? [on hold]

Things like coins, post stamps, Magic the Gathering cards, Yu-Gi-Oh cards, cellphones, generally old/ rare things of which value can grow with time. Are there any books about how to invest in these ...
0
votes
1answer
21 views

Yahoo Finance Date Numbers?

Anyone know what these period1 and period2 numbers are in the following URL for Yahoo Finance's historical data: https://finance.yahoo.com/quote/MSFT/history?period1=1471935600&period2=1566543600&...
0
votes
1answer
43 views

Starting an LLC before it is needed

Have business plans for over a year or two out, however, would like to establish the LLC now and have it sit idle until needed. What characteristics should be selected for creating the LLC at this ...
2
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0answers
24 views

Do foreign entities earning money via US marketplace platform have to pay US taxes?

I registered a one-person LLC in my country of stay (Taiwan) that I use to receive income from a US-resident online marketplace platform that connects me (offering services) to international customers ...
1
vote
1answer
57 views

Credit Card Transaction not appearing

I purchased a few items at a grocery store a few weeks back. When I was going down though all of my monthly purchases I noticed the transaction wasn't there. I got a receipt for the items as well as ...
0
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0answers
27 views

Market sentiment analysis real time feed? [on hold]

I am looking for providers of real time sentiment analysis feeds that process tweets, news, and social media sentiment and return a positive/negative score for the market sentiment e.g. every second. ...
2
votes
5answers
2k views

How to determine car loan length as a function of how long I plan to keep a car

I will be financing* the purchase of a brand new car that I plan to keep for 3 years. Based on this I am trying to understand how to structure the loan variables (term, rate) appropriately. Should I ...
3
votes
1answer
50 views

Employment travel expense tax deduction

I am currently located in Ontario, Canada. I work full time as a security guard and am required to regularly secure a client's building. According to the Canadian Revenue Agency link here, anyone ...
1
vote
0answers
92 views

I may have given ID card and personal details to scammers

I had an interview for a virtual assistant position at a working site. The interview took place on this page until they said they want a long term agreement that must be made off site. In short, ...
0
votes
3answers
150 views

Should I pay off my car loan early?

I have a car loan with a payoff of $5,200. we pay $200 / mo for 30 more months. We are both retired working part time. Should we pay off the balance now?
1
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0answers
61 views

Can I legally file zero tax return as non-resident to get ITIN?

I want to obtain an ITIN number to get a credit card / open bank account in the US. I know, IRS does not issue this number unless for tax reporting purposes. I visit the US from time to time on a ...
1
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0answers
63 views

Town and out-of-town cheques: where are both payable?

In the term database of the Government of Canada, the definition is provided for an out-of-town cheque: A check [drawn] on a bank which is located outside the territory of the clearing house with ...
0
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0answers
121 views

What will happen to house prices in London post-Brexit? [on hold]

It's really a question about making decisions in times of uncertainty. Say, I am interested in new build flats/houses in London. Should I a) hold off a new house purchase until after Brexit? b) If ...
0
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0answers
50 views

Seafood commodity prices - where to find? [on hold]

I am looking for wholesale prices for shrimp. Though it's one of the most traded seafood commodities, there's no seafood exchange to track prices. Does anyone know where to find local wholesale ...
1
vote
1answer
79 views

Prepayment of mortgage in summer

In Veronesi's Fixed Income Securities book it is written: Summers are characterized by large prepayments, as this is the period in which people move from one place to another for various reasons....
43
votes
2answers
6k views

Why do banks “park” their money at the European Central Bank?

I regularly read that the European Central Bank charges a negative interest rate on money that banks park there. But why would a bank put their money to the Central Bank then? Can't they just keep it ...
1
vote
1answer
124 views

Bank of America - 5.4% charge for an international wire transfer fees?

I work in US and I needed to send some money home to Europe. I set up a dollar account in my European bank and sent the money via wire transfer from Bank of America. BoA charged me $45 and the ...
1
vote
1answer
121 views

What Shares Do I Actually Have?

I have a pretty standard arrangement with an LLC I'm employed by. I have unvested units and a vesting schedule for when they become "vested" units. I used vested in quotes because the LLC's Operating ...
1
vote
0answers
44 views

Buying an US ETF from Europe using Interactive Brokers

I am trying to buy an ETF using my account in Interactive Brokers. I am surprised to see that it is not possible. I am living in Europe and trying to buy an ETF in US dollars. Their response to ...
0
votes
4answers
229 views

Buy at least three at a lower price?

I need a product from a shop in the US and the unit price is about $100. But the shop has an offer saying if I buy three or more units, the unit price is only about $80.00. The shop also has very good ...
8
votes
2answers
3k views

Why different interest rates for checking and savings?

I have recently become financially independent (21 yo student in US) and I am starting an independent bank account. I noticed that the interest rates on savings accounts are significantly higher than ...
-2
votes
2answers
89 views

What does a company's equity (stock / share) actually cost? [duplicate]

A company may issue debt to raise fund and pays interest based on cost of debt (YTM), and this costs company money. And I can see how debt costs company. A company may issue stock to raise fund as ...
2
votes
1answer
176 views

Is it the truth that gold / silver coin costs differently in different countries? [on hold]

I am told that the person buys gold coins from US website with the delivery to Kazahstan and sell them there for profit. Can it be for real? I am wondering since the import from US should be taxed, ...
1
vote
1answer
77 views

VAT on building work

I have a quote for an extension which is £95 000 +VAT. I have been told by a friend who is a project manager/builder, that I could avoid paying this VAT if I set up a joint account with the builder to ...
2
votes
2answers
181 views

Why would zero-coupon perpetuity not be worthless (simple enough so grandma understands)

The context is the negative yielding treasuries in Europe (Germany). Here is a quote I found on the matter: Why would a zero-coupon perpetuity not be worth exactly zero? Because its nominal value ...
1
vote
4answers
103 views

Do swing traders look at fundamentals?

If they do, what fundamental analysis do they look at?
0
votes
1answer
71 views

Moneyfarm (ETF) and Coupons

I am a beginner, I have possessed public debt bonds only, so far. Recently I decided to differentiate my savings on some form of ETF, specifically on Moneyfarm, just to give it a try. Now, I am trying ...
0
votes
1answer
148 views

How to find clients for my start-up? [on hold]

I will launch a start-up with a couple of friends. We will work as data science and data engineering consultancy. All of us have similar backgrounds in maths, physics, and electrical engineering. How ...
3
votes
5answers
92 views

Realistic option graphs?

Typical option graphs are only valid at the time of expiration: This only expresses what happens at the moment of expiration (and ignores trading costs). But what about extrinsic value (theta and ...
0
votes
0answers
31 views

DCA into an index? [duplicate]

We have acquired a large sum from the sale of a home and want to invest it responsibly. Our long term return expectation is a mere 6.8%/yr, selected by looking at the worst 20yr stretch of the SP500 ...
0
votes
0answers
88 views

Interest Earned on Cash [on hold]

I am doing a FCF (Free Cash Flow) and subtracting the after-tax Interest Earned on Cash at the end. I am trying to calculate the Interest earned on cash which equals = Interest rate on cash * Average ...
7
votes
2answers
2k views

Why do options retain significant extrinsic value after market closing on day of expiration?

Introduction to options sources invariably say an option's extrinsic value becomes zero at expiration. However, in reality this is not the case. For example, it is almost 7pm on 8/21 and "8/21 292 SPY"...
3
votes
1answer
44 views

Gnucash: Checking acct -> Checking acct -> expense account

im new to gnucash but I have most of my accounts working and reconciled now. This one however I can't square in the books: I have gotten a refund on paypal and I transfered the money back to my ...
0
votes
1answer
73 views

Explaining prepayment risk

Regarding MBS I understand that as rates fall people with mortgages will want to refinance and thus mortgage prepayments will increase, causing the life of the MBS to decrease and for the investor to ...
2
votes
1answer
152 views

Is the auto insurance quote I have been provided a rip off?

I just moved to Philadelphia, PA from Houston, TX and wanted to update my auto insurance policy (with Allstate). I gave them a call, and with 1:1 coverage options AND a newly-acquired (ie I did not ...
1
vote
1answer
52 views

HSA contributions made between January 1st 2019 and April 15th 2019

Which year can they be claimed in? Some background: In Feb 2019 I made a deposit of about $2,000 to my HSA so I would max out the $3,450 HSA limit for 2018 (and reduce tax liability). Unfortunately I ...
3
votes
3answers
264 views

How can I safely sell virtual items?

I have some virtual items that someone wants to buy. As an example, Dark Artistry sells for ~£300. When trading with Steam you can exchange Steam money for items via their trade system. Alternately I ...

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