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votes
1answer
56 views

Is there a way to use an ANZ Visa card overseas without a mobile phone for Verified By Visa?

I'm an Australian travelling in Asia on a budget. I've always travelled without getting local SIM cards so no phone. I rarely make purchases online. About four months ago I bought a flight online ...
0
votes
0answers
49 views

Market-Making Game Strategy [on hold]

Further to https://www.trade2win.com/threads/market-making-interview-games-and-questions.160886/ and https://math.stackexchange.com/questions/1227122/market-making-card-bet-game, I thought that it ...
-1
votes
1answer
168 views

Does the IRS notice if the same estate is left sequentially to a series of spouses? Does it care?

Sorry if this is too frivolous. Just tell me nicely if it is. It is very hot, and my mind drifted -- as whose would not? -- to estate taxes. As many of us know, in the US, any amount may be left ...
0
votes
1answer
82 views

How is Barclays Everyday Saver interest rate calculated

I searched online and they said it's 0.25%-0.30% per year. But since my balance is ever-changing, how do they really calculate the interest? Do they just snapshot your balance on a certain day of a ...
1
vote
3answers
304 views

Is it free riding if you buy and sell the same stock on the same day

Suppose you have $0 balance in a cash account. You buy ABC for $1000, and sell it for $1050 on the same day. Is it a free riding violation?
-2
votes
0answers
148 views

Sold house behind on mortgage paid 23,000 more towards loan [on hold]

How come I owed $247,000? When I sold my house and behind on mortgage. When the house was sold, I had to pay $273,000 to the bank. How come nothing was paid down on the loan??
1
vote
2answers
83 views

Bid and Ask in Stock Market

Further to the discussion on "Can someone explain a stock's "bid" vs. "ask" price relative to "current" price?"Chris W. Rea answered: In a stock market, the bid and ...
1
vote
0answers
51 views

When Does “External” Data Qualify as Material Nonpublic Information?

For the sake of example, let's say company X is a publicly traded company that manages a chain of department stores. I go to each storefront and setup security cameras to monitor customer traffic, ...
0
votes
1answer
51 views

How to benefit from different forward rates

This is an exam question that I cannot answer using my textbook so I came to this site for help: Assume that I can buy a 2, 2 forward rate of 11% at the stock market, that is in two years I can ...
2
votes
5answers
236 views

What should one do to not lose the value of his money over time

I live in Europe with my parents. I work and I have around 18k € (US$ 20k) in my bank account. I know that money loses its value over time and I wonder what I can do with that money and my income ...
1
vote
0answers
17 views

1031 Exchange Scenario

I'm looking to sell a single family rental property for $400K and buy two with a 1031 exchange. I should have about $150K to put down. I may look at turning one of the new properties into my primary ...
0
votes
2answers
71 views

Do the rebalancing costs of leveraged ETFs really outweigh the leverage?

I read the answers from the following two posts describing why daily leveraged ETFs are a bad idea to hold in the long term: Investing in a leveraged index ETF for retirement. Risky? Why are daily ...
2
votes
4answers
220 views

Do extra mortgage payments typically go directly towards principal?

I have a 30 year mortgage and I'd like to make extra payments each month to speed up the amortization schedule. I thought this would be better than taking out a 15 year mortgage as it gives me some ...
-1
votes
0answers
15 views

Can the New Development Bank by BRICS countries compete with World Bank or IMF? [migrated]

The BRICS countries have created the New Development Bank with an initial pool of $100 billion. What factors will determine if the NDB can ever compete with World Bank, ADB or the IMF?
1
vote
0answers
67 views

How to treat a bonus for tax purposes if moving states

I moved from NY to a tax-free state in December of 2018. In January of 2019, I received a cash bonus from my employer. Despite not living in NY anymore, the company withheld NY state income taxes for ...
4
votes
2answers
400 views

How can I convince my friend not to send money to scammers?

I have been in contact with a guy from Ethiopia for a while. He is desperate to leave the country as soon as possible. Recently he started chatting with some person who claims to represent a ...
0
votes
2answers
50 views

Trust vs. Foundation vs. DAF

Is there a mechanism by which you can put aside a lump sum of money (before or after your passing) wherein the money can just sit and earn interest in a safe investment in perpetuity and disbursements ...
0
votes
1answer
116 views

Is it possible to get a VISA card without support for cash advances (debit)?

I have a VISA card from a major USA bank. I always ask if I can have a card without support for DEBIT (cash advances). I'm wondering if VISA even allows that. In case you're curious for the reason ...
-1
votes
1answer
184 views

Are there any bills that do not need to be paid at all? [closed]

Do all bills need to be paid, or are there any types of bills that do not need to be paid at all? Here are some examples that I can think of: A bill that claims a service that I never received. A ...
1
vote
1answer
39 views

Australian exchange rate qustion

Can a person in America lend money to a person in Australia in order for them to benefit from the exchange rate. I want only my initial amount lended to be returned. Are there any consequences to me ...
0
votes
1answer
54 views

US press releases API [closed]

This is more an IT/Stock question, but does anyone know of a source where I can bulk download earning press releases for US (NASDAQ/NYSE stocks)? Similar to what seeking alpha have: If you scroll ...
1
vote
2answers
116 views

How to choose an Online Investment Platform?

TL;DR: Although I know all the things I want out of an online investment platform, I have no idea how to find which platform best offers those things. I have spent some time organising and planning ...
0
votes
0answers
102 views

How to prevent my phone number being searched online? [closed]

Recently, read an article about phone number being used to hack into one's account. https://nyti.ms/2P8kKZ4 What needs to be done to prevent my phone number being searched? (Return invalid hyperlinks ...
1
vote
1answer
136 views

Unrecognized debit card charge

This monday i got an email from my bank saying that i have an unrecognized charge from my debit card. That is an old debit card( about a year and a half i no longer use), with no money in the account,...
2
votes
1answer
196 views

What happens to small bills if they are unpaid?

I understand that bills are sold to collection agencies if they are unpaid. But what about very small bills then? For example, say if there is a bill of less than $10.00, will the company bother to ...
1
vote
2answers
192 views

Short selling a stock?

If a broker manages a client account, are they able to swindle money out of a client's account if they short sell stocks in that account? My mother had a friend who handled her Schwab account. He ...
0
votes
3answers
135 views

Does yield curve inversion refer to the shape of the curve, or just its sign?

Yield curve inversion has recently been talked about as an indicator for recession. Mostly, I've heard this described as "10-year Treasury rates fall below 2-year Treasury rates." I would expect ...
1
vote
1answer
53 views

Indian Resident gift from India to me who is US citizen

I'm an US citizen. My friend and relative who are Indian citizens want to transfer USD 50,000. They will send in two transactions of 25,000 each. Transfer is from their Indian bank account directly to ...
24
votes
11answers
9k views

What should I do with the stock I own if I anticipate there will be a recession?

I want to preface this with saying I am not asking if there will be a recession because I recognize that this is impossible to answer. I am asking if I feel there will be a recession, what should I ...
0
votes
0answers
138 views

What's are things I can do with my extra money that I'm not thinking of?

Here's a brief description of my situation. I'm 26, have 2 houses, few side businesses and a normal w2. One house is rent-free since family lives there and pays half the taxes and keeps it maintained....
0
votes
0answers
46 views

Chart of Accounts - Does a Bank Account also belong to a chart of accounts? [closed]

I'm writing some computer software that display profit and loss. I'm confused if a Chart of Accounts includes all bank accounts, e.g banking, credit card, cash, etc. Could someone point me in the ...
1
vote
1answer
92 views

Question about a quote from The Intelligent Investor

I am having a bit of trouble understanding the following quote: Companies that are inherently speculative because of widely varying earnings tend to sell both at a relatively high price and at a ...
0
votes
0answers
57 views

How can I research the total debt of all countries? [closed]

I am from Europe. I looking for numbers on the total debt from all countries. I have been searching for hours, but I couldn't find anything unfortunately. How would I research statistical data about ...
0
votes
1answer
54 views

Which option to invest savings on home ownership? [closed]

I have savings of ksh 1m to invest in a residential plot(1/8th of an acre) - not built - in the suburbs of Nairobi city - say 30km from the city (Kitegela). the plots cost from 2m-3m, is this a good ...
2
votes
3answers
327 views

What's the rationale for the advice 'don't try to time the market'?

Common investment advice is 'Don't try to time the market, just pick a risk profile and stick with it'. With the inverted yield curve and a fair bit of talk about an upcoming recession - it seems ...
3
votes
1answer
150 views
+100

Is the British student loan considered the same as a standard loan when applying for a mortgage abroad?

I am currently living in the Netherlands and I have quite the accumulation of UK student debt, currently it's sitting at around £50000 but based on my repayment schedule, it wouldn't affect my ability ...
-2
votes
0answers
30 views

Is there a free trading platform in India? [closed]

I am trying to find a free trading platform. Is there a way to do day trading buy Mutual funds or Index funds in India without paying brokerage like on can thru some platform in the USA?
0
votes
1answer
37 views

Small Business foreign exchange

I run a small Australian business that has the requirement to pay a relatively small but not insignificant (say USD10k-20k equivalent annually) amount of invoices in foreign currencies (EUR and USD). ...
0
votes
0answers
88 views

Why wasn't my wire transfer delivered to my client's account in Turkey?

I was told initially that an international wire transfer normally takes 2 to 3 business days to deliver to my client in Turkey, but it has been more than 10 days now since I made the transfer and I ...
3
votes
1answer
43 views

Ontario Capital Gains,are profits also part of taxable income?

Say I Sell my investment property house for 500k and bought it for 250k. Leaving me 250k profit. I'd be taxed on 50% of that correct: 250/2 = 125k taxable. and 125k Profit. Now my 125k is taxed ...
0
votes
1answer
294 views

How does this scam involving buying a used car cash-only work?

I'm in pursuit of a used car. I came across this 2010 Camry for 4200 CAD. The car is good, I test drove it in the city and on the highway and there are no problems with it as far as I can tell. ...
2
votes
1answer
114 views

Can my spouse/friend purchase a cashier's check for me?

I roughly understand that cashieir's checks lifts the money from your account at the time of issue and can be cashed by the named recipient. Can I use a Cashier's check issued to my spouse/friend ? (...
2
votes
2answers
158 views

How do I calculate what percentage I will own of my parents vacation home?

My parents own a vacation cabin that I would like to invest in. The cabin is worth $330,000 and they have a mortgage on it with a balance of $125,000. They took out $40,000 of their primary ...
1
vote
1answer
73 views

What is “IRS compliance testing” for terminated 401k plans?

I have a 401k through a previous employer. That employer recently ceased operations, and as part of that, terminated their 401k plan. As such, the employer directed myself and other employees to fill ...
1
vote
4answers
103 views

Locking in rates during yield curve inversion

While reading multiple articles about yield curve inversion, a common theme is that investors seeing an economic slowdown in the future which generally means lower interest rates so they want to lock ...
0
votes
3answers
216 views

Is losing money in the stock market exponentionally worse than gaining? [duplicate]

For example, $FB is $180 today. If it were to lose 50% of it's value it would be worth $90. If it was to then gain 50% back it would be worth $135. So the percentage change was the same but the ...
0
votes
3answers
62 views

Do under-withholding penalties apply to supplemental income?

I understand that while supplemental income is ultimately taxed the same as other kinds of income, it's withheld at a flat rate of 22%. If this causes a significant under-withholding, is the employee ...
0
votes
0answers
99 views

meaning of letter “f” after year in financial report [duplicate]

It's a report chart showing the evolution of construction sector through the years . The titles of the columns read: "2017", "2018f" and "2019f". Does this mean the numbers below the titles are not ...
-2
votes
5answers
575 views

Are my friends trying to scam me or help me?

Some people I know IRL are saying then can make me $10-30k per day, and they need all my bank info including the security questions. They also said that I don't need money in the account. Is this a ...
4
votes
3answers
151 views

UK Car Insurance Auto-renewal issues - premium doubled without reason

I recently received an Auto-renewal on my car insurance from my insurer. And it boggled the mind as it more than doubled the premium. It went from £960 a year to £1950. I caught up on the topic ...

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