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0answers
11 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
18 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). ...
0
votes
0answers
8 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'...
0
votes
1answer
32 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 ...
1
vote
1answer
36 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
60 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
20 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
16 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
18 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 ...
0
votes
1answer
15 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
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0answers
18 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 ...
1
vote
0answers
48 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 ...
-2
votes
2answers
71 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
51 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
34 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
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0answers
18 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
45 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
39 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
54 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 ...
4
votes
3answers
401 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
28 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
36 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-...
-1
votes
0answers
62 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
23 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
64 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
982 views

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

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
53 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
151 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
42 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 ...
0
votes
1answer
139 views

Paying USD 1000 towards the principal on my mortgage

I bought a home worth 200,000 paid 20% down, my interest rate is 4%, 30 yr fixed Remaining Loan 160,000. Initially, lets say I pay around 1000 USD (200 toward my principal and 800 towards my interest)....
1
vote
0answers
43 views

Interest rate quoting conventions in financial markets

I'm aware that there exist different day count conventions for rates depending on the market but I'm still confused when it comes to the way interest rates are quoted on the market. Example if LIBOR ...
0
votes
2answers
50 views

How to calculate daily return and cash when holding a futures position?

I have a futures trading strategy and want to calculate the daily return. I need this to get the Sharpe ratio of that strategy. The daily return of my strategy should be: EOD ...
3
votes
1answer
94 views

Redeeming minuteman savings stamps the old-fashioned way?

We just found in our house two books of 10¢ Minuteman stamps, face value $2.90.  I see that they are sold as collectibles for a wide range of prices. But I am curious whether there is still some ...
2
votes
4answers
113 views

Monthly budget - deferred expenses from savings vs Income? How to manage?

Background: My wife and I have put a monthly budget together using the Google Drive Budget Template. Pretty standard - Income section and Expenses section with rows allocated in each. It makes most ...
0
votes
1answer
34 views

Are profits made from equity investments subject to income tax on top of CGT?

I want to invest in a stock ETF, but I'm wondering if any profit I make from these investments is subject not only to the 20% Capital Gains Tax but also counts towards income and thus subject to ...
0
votes
2answers
237 views

How to plan investment and retire at an age of 45? [duplicate]

I am a recent grad who just began working for a 'big 4' software engineering firm. I earn a good salary and I would like to invest 75% of it efficiently so that I can retire early at age 45. ...
3
votes
2answers
180 views

Is it illegal for builders to only work with local lenders?

I'm a month from closing on a new construction home and I changed my lender from a local lender that was untrustworthy and not giving a deal. I got a notice that the the builder wont approve the new ...
0
votes
0answers
34 views

Tax efficient clothing company setup in the U.K [on hold]

I’ve setup a private limited company via companies house before. I’d like to know if I should do the same if I intend on creating a clothing company. Is there a better way?
0
votes
2answers
26 views

How well do Treasury bond Futures correlate to their hypothetical underlying bond?

How well do Treasury bond Futures correlate to their hypothetical underlying bond? If the price of the future is most tightly related to the current CTD, whose maturity varies widely, how can the ...
1
vote
2answers
129 views

How do ETF commissions work?

Let's suppose that I live in the UK, and that I have £10000 invested in Vanguard's VUSA. This ETF has an ongoing charge of 0.07%. This, added to the 0.15% account fee, it's a 0.22% total. That means ...
2
votes
2answers
38 views

Is the UK ISA's tax relief applied to ETFs that hold stocks of non British companies?

Is the ISA's tax relief applied to ETFs like VUSA (S&P 500 index tracker), which holds stocks of countries other than the UK?
0
votes
0answers
85 views

Is it wise to purchase a new car when faced with big repairs? [duplicate]

So you are frugal, and understand that driving to work is not an exercise in style. Therefore you hope for your car to get to 250,000 miles. However, parts start to break down at 150,000 miles and you ...
1
vote
0answers
40 views

Covered Call With Stock At Loss

I bought shares of Macy's at $29. The stock is now $16 and I'm thinking of exiting the position and taking the loss. I was thinking of writing 25 Nov 15th $16.50 covered calls at 11 cents. I'd ...
4
votes
2answers
96 views

No-Deductible plan or High Deductible HSA plan?

The Company I work for is offering two Insurance options starting this year. One being the No-deductible plan I am currently on, and the other being a 1500$ deductible plan with an HSA that they will ...
0
votes
1answer
92 views

Is it true that some “depreciated” capital expenditure is not really expenses? [on hold]

To invest in companies I need to know more about net income and expenses. For our scenario, let's assume the company gets the item for sale for $2 million and sell it for $3 million. So the "gain" is ...
1
vote
1answer
88 views

Is money rotation a profitable Game?

Some of my colleagues are insisting me to join a group of 10 colleagues ( namely, A, B, C,..., J) in a money rotation game. Each member has to deposit Rs 10,000 per month into a money pool. Amount ...
0
votes
2answers
145 views

Hedging a major sell off

Inspired by What is the relationship between taxes and annual liquidation of the markets?, If a major fund wanted to sell off enough stock to significantly affect market prices, could they hedge the ...
0
votes
2answers
57 views

Total Income tax and self-employment tax

I worked as a full time employee (W4 taxes were deducted by the employer) and I was self-employed (independent contractor - 1099MISC i.e. no taxes were deducted by the employer) for some months of the ...
1
vote
2answers
50 views

Premium to price ratio - Seemingly simple option research not so much

I would like to identify call options with weekly expiration dates that pay the most premiums relative to the underlying stock price. For example: As of 11/12/2019, TSLA has a price of ~350 per ...
0
votes
2answers
63 views

Bonds - Yield to maturity

In bonds, we assume that coupons are reinvested at the same rate as the current yield rate. Where do we go and invest the coupons? Assuming the YTM is 10%, the coupon rate is 10% and the per value ...

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