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31
votes
7answers
8k views

First time buyer- How to decide how much to put toward a deposit?

I live and work in the UK, and am starting to look seriously into buying my first house. I have thought about looking to buy a few times over the last few years, but ended up deciding not to for ...
0
votes
0answers
33 views

The goal is to become an equity research analyst. Currently in college and looking for advice [closed]

I’m in 3rd semesters of my 2nd year at college studying Finance. I plan to get my CFA after I graduate while working full time. Is there anything I can do to better my chances of landing an equity ...
44
votes
10answers
13k views

Can I claim only part of the full amount of a check?

I received a long awaited check today (USA) written for $X. For complicated reasons (we had some dispute about how much was owed for what), I only want to accept $Y from this person for this service, ...
2
votes
1answer
126 views

Is it standard that a mortgage company won't pull your credit report while you're living abroad?

I'm going to be moving back to the states soon after living in Canada full a few years. I called wells Fargo to look into getting a mortgage today, and they told me that they will not pull my credit ...
3
votes
1answer
182 views

Bank transfer to fake or fraudulent recipient

I have made a bank transfer from my UK account to another UK account but then I have realised that the recipient's name was fake and I got scammed. I requested my bank and the recipient's bank the ...
1
vote
1answer
113 views

Why is Thrift Savings Plan restricted to U.S. civil servants and uniformed service members?

From what I can tell, TSP is pretty close to a 401(k) plan (and similar to an IRA) except the government restricts who can participate. Thrift's funds have much lower fees than many of the 401(k) or ...
1
vote
1answer
71 views

European Etfs following sp500 while European markets are closed [duplicate]

The are ETFS that are traded on the EU stock exchanges that follow the SP500. My question is if for example at 3pm New York time (when European markets are closed) the Sp500 crashes 15% how this will ...
-1
votes
3answers
572 views

Sugar daddy needs pictures of my credit card — scam or not?

I met this guy. I've been talking to him for two weeks. I'm too shy to meet him. He wants to pay my credit card. To pay it he needs a full picture of both sides on my credit card. Do I give it to him ...
4
votes
0answers
50 views

Using an estate agent's solicitor

I know using a mortgage advisor connected with an estate agent is a bad thing to do. It reveals to them how much money you have and means you risk paying more. However, I've now reached a state where ...
0
votes
0answers
9 views

ULIP investment

I am from India. I have a ULIP(Unit Linked Insurance Plan) which Premium cost me Rs X00000 per year which I started in June 2019. Plan name is ICICI PruSignature. The plan is for 5 years and I have ...
2
votes
2answers
274 views

55+ communities bulding in Florida

I'm a non US citizen; my father and I are looking to invest in an apartment in Florida. I have found 55+ communities that are on our price range. But I’m not 55. Can people under 55 live in a 55+ ...
1
vote
1answer
52 views

Is it possible to use the credit card BIN to find the bank's ABA?

I am trying to determine the correct institution ABA based on the credit card's BIN. There are several resources which can determine bank's name and some other info based on the card BIN but many ...
0
votes
1answer
71 views

Better understand of discounted cash flow

I try to understand about DCF. reading this article https://www.investopedia.com/terms/d/dcf.asp in Alternative Investments part, can't figure out what's the calculation is used to get to $289,157.47 ...
7
votes
1answer
3k views

What's the purpose of mileage verification in auto insurance?

I believe it's every year that my auto insurance company has me fill out one of these "mileage verification" letters to submit the mileage of my vehicle that they hold an insurance policy with. What ...
0
votes
1answer
106 views

What are the specific vulnerabilities of large-index tracking ETFs to sudden market moves such as crashes?

For instance, are tracking errors likely to increase during a financial/market crash and thus pose a risk to ETF investors who count on effective replication of the underlying index at all times ?
0
votes
0answers
92 views

If a personal loan was made in one state, and they now live in a different state, and you live in another state, which state do you file?

I loaned a friend money. He then vanished. 18 years later I found him. He lives in a different state then where the loan was made. I also live in a different state. I know there are time limits, but ...
0
votes
0answers
32 views

Can't file 1098-T electronically on Turbotax or Credit Karma

Historically, I've been able to claim the American Opportunity Credit that would give a surplus refund of $1000 to help with school while being a full time student and not working
3
votes
2answers
126 views

Are index fund expense ratios “priced in”?

I'm coming from a Robinhood "day trading" mentality, so I'm used to public advantages being "priced in", more or less. It seems like many people pick index funds based on their expense ratio. I would ...
3
votes
1answer
89 views

Is it okay to write “non-resident” for non-resident alien spouse's SSN?

I live outside the US with my non-resident alien spouse. I want to file as married filing separately. However, in online tax preparation software, it always forces me to enter an ITIN or SSN for my ...
0
votes
1answer
30 views

F-1 to H-1B Tax Filing Status - 5 Calendar Years?

I came to the US to study on an F-1 visa in August 2014 and graduated in May 2018. Since then, I have been working on an F-1 OPT visa. In 2019, I applied and received my H1B visa - specifically, my I-...
0
votes
1answer
62 views

Income-Tax and Side-Hustle Providing Internet Related Services

I'm looking at starting a side hustle that provides solely software related services. Like web-hosting, app development, etc. In the near future, I'm not looking for any sizable profit (or any for ...
0
votes
1answer
13 views

How can one use one's old FBAR form data to populate a new FBAR form?

How can one use one's old FBAR form data to populate a new FBAR form (Report of Foreign Bank and Financial Accounts (FBAR) on FinCEN Form 114)? I tried exporting/reimporting the form data between ...
0
votes
1answer
91 views

Why are ABT and VIIX negatively correlated

I did some research on ABT. I ran a correlation across thousands of assets compared to ABT and found that ABT and VIIX had a correlation between -.53 and -.58 depending on the source. ABT makes ...
1
vote
3answers
115 views

Other means of paying property taxes

Probably my question is related to one of my previous ones, but it is most likely not the same. If a foreigner who doesn't live in the US as main residence and therefore doesn't have tax residence ...
0
votes
0answers
162 views

Any tricks/hacks for exorbitant daycare costs?

The $5000 FSA limit is a joke given the daycare costs in our area. Is there any way to use more pre-tax money to pay for daycare ? Daycare is by far our biggest expense for the year. Any advice to ...
23
votes
6answers
13k views

My (buyer's) agent is the seller's agent for the house I want

My wife and I have been looking for houses for a few months through an agent who was recommended by a friend. We've mostly found houses by ourselves and Zillow and had him organize walk-throughs, ...
0
votes
2answers
235 views

Open Money Transfer card in my name for family member's debt

My sister and brother in law have a single joint bank account with an arranged overdraft of £3,000 and they are, for all intents and purposes, maxed out on it. This means they are incurring charges of ...
1
vote
2answers
127 views

UK - letting agency / landlord responsibility to provide documentation for a heating system

This question is based on renting a property via a letting agent in the United Kingdom. I am renting a small flat as I've sold one house and am considering my options before purchasing another. I ...
0
votes
0answers
54 views

How to start learning accounting on my own? [closed]

Could anyone suggest good books or lecture notes to learn accounting? My background is mathematician and I studied computer science. Now a work practice in higher education institution asked to ...
0
votes
0answers
29 views

How long must an insurer retain records of opt-outs for, in Canada? [closed]

Sister studied at a university in ON, Canada, and opted out of their student union's health insurance. The insurer replied that they closed the account and can't access any record of opt-outs. How ...
2
votes
2answers
143 views

Why isn't the highest savings account interest rate in Canada matched by other Deposit Institutions?

I screen shot this website. I'm assuming these Deposit Institutions ("DI") are almost perfectly competitive, because CDIC covers them all to $100 K, and transferring money between banks (cheques or ...
0
votes
0answers
36 views

How does ASEQ Studentcare work as “plan administrator” to insure Canadian students? [closed]

Studentcare's website advertises they cover Canada's top unis like UBC, Mcgill, UT, Queens. Defining “Plan administrator” Your student Plan helps cover the cost of important health-care ...
0
votes
1answer
57 views

Does the concept of “Swap Point” exist in Forex trading in the UK?

I've just started learning about forex trading. Forex brokers in Japan offer a system called "Swap Point". In my understanding, this value is determined based on the difference between the interest ...
1
vote
3answers
292 views

Why do some savings accounts have a maximum balance?

Example: https://www.hustlermoneyblog.com/hsbc-direct-savings-review/ (mirror): Maximum Balance: $2,000,000
-1
votes
1answer
74 views

PayPal Donate button - Issues [closed]

I'm trying to implement and test the Donate Button by PayPal, and I've faced the issues with it. I'm having a Personal account as a person, not as a non-profit organization. Everything seems like ...
-1
votes
1answer
61 views

PayPal Donate Button - Fees [closed]

I want to accept donations as a person, not as a non-profit organization, using a Personal account. I've found that there is a Donate button but couldn't find any of the taxes and fees info. Is there ...
2
votes
0answers
53 views

How does an ETF that tracks a foreign stock index work? - Potential arbitrage opportunities because of time-zone? [duplicate]

Suppose I live in the US and want to buy an ETF share traded in the US. I would already know how Chinese stock market performed by the time the US market is open because of the 12-hour difference. ...
1
vote
1answer
113 views

Why does my routing number (IBAN) come up as invalid

I am trying to wire funds and my routing number to Citibank, which is 122401710 in Las Vegas Nevada, is coming up invalid IBAN when I go to wire funds. When I called Citibank they told me that I ...
0
votes
0answers
25 views

What are the different compensation schemes available for trading performance

In the past year we've worked on automated trading bots. We now have a working solution that has been working consistently well in a live situation for months. The trading is purely on crypto-...
0
votes
2answers
153 views

Why can’t I seem to purchase this option?

I’m using Robinhood, and I’m new to options trading. A co-worker is teaching me about options trading, and recommended I start with cheaper long term options to learn with since I’ll lose less money ...
1
vote
1answer
82 views

Consequences with liquidity issues for an index fund or ETF?

In the media in recent months, there were mentions of liquidity risk of index funds and ETFs (sparked by some statements by Michael Burry). My question is if there is a mass sell off by the public of ...
-2
votes
2answers
275 views

If someone deposits money into your account for you to keep can they cause you more money problems off of that or steal more than money from it?

I met this girl online. We hit it off quick, and we want to meet later. Her story is a little weird, but some of it could be true. Anyway she wanted me to get an account so her dad could send her ...
1
vote
1answer
60 views

TurboTax had me file for a 1040 instead of a 1040NR. Is there a way I can change this?

It's my first time filing for a US tax return. I used TurboTax, filled up all the necessary information, and I got the result showing a form 1040, which means I got zero amount. I am from the ...
1
vote
3answers
62 views

Price difference between Acc and Dist ETFs

There can be huge differences between the prices of the accumulating and distributing versions of ETFs following the same index. For instance, as of 17 Jan 2020, the NAV of the accumulating version ...
0
votes
0answers
26 views

What is study material about solvencyⅡ [closed]

Because of change of my department,now I need to study solvencyⅡ. I can find some materials.. but I would like to study following order. First step: I would like to know Overall view. Second step: ...
0
votes
0answers
16 views

Confusion on CRISIL Rating

Which is better CRISIL 5 or CRISIL 1. Problem arises when PAYTM MONEY shows under top rated funds with CRISIL 5...but CRISIL rates funds 1 to 5, 1 being the best performer. I am confused?
0
votes
2answers
182 views

S&P 500 only returns 1.26% (after UK inflation)… am I wrong?

I invest in the S&P 500 from the UK. I am trying to calculate what my investment pot will be in 25 years, adjusting for inflation. Unfortunately, my calculations point me towards an abysmal ...
0
votes
1answer
30 views

how to calculate profit of call option

I am trying to calculate the point at which exercising a call option would be profitable. I am looking at a call option for AAPL. The strike price is $320 and expires March 18th 2020. The price for ...
0
votes
0answers
23 views

Does the annual percentage yield (APY) take into account the expense ratio? [duplicate]

For example, the APY of SPAXX (Fidelity® Government Money Market Fund) is currently 1.84 for the past year whereas the expense ratio is 0.42%. Does that mean that the pre-tax yield is 1.84% or 1.84%-...
2
votes
1answer
112 views

Head of houshold: Domestic partner, and child, with joint checking

I am living with my domestic partner and our child, and she contributes about twice what I do into our joint checking account from which all bills are paid. Can she file as head of household? I think ...

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