All Questions
38,369
questions
-1
votes
0
answers
84
views
What would happen if I sign up for a credit card, but never use the card? [duplicate]
Amazon is offering $200 to sign up for their Prime Visa card. (I have Amazon Prime) (I have never had a credit card before only debit) What would happen if I sign up for the card and get approved but ...
- 11
0
votes
1
answer
58
views
Where can I look up total returns of stocks, ETFs, and mutual funds? [closed]
I'm looking for a free way to look up total returns of various stocks, ETFs, and mutual funds. FinanceCharts.com lets me save lists of stocks and ETFs and view total returns for various time periods, ...
- 133
14
votes
3
answers
5k
views
Which mortgage should I pay off first? Same interest rate and mortgage length
tl;dr:
I have two amortized mortgages; one big and one small.
The conditions (interest rate and mortgage length) are exactly the same.
Which should I pay off first?
I have always heard that you ...
- 143
-1
votes
1
answer
98
views
How to solve amortization schedule where 10% of the interest is paid back on 4th payment
I am trying to find an algorithm to solve this amortization schedule:
P = 1000, term = 12 months, Interest=5%, calculation based on actual/365.
10% of the total interest of the loan is added to the ...
- 11
0
votes
1
answer
178
views
How do I report ATM card abuse?
My ATM Card was taken by a friend and transferred all my money to another bank as fundraising.
How can I get the details of the bank the money was transferred to?
0
votes
1
answer
64
views
In a divorce is there a benefit to selling stocks?
During a divorce when splitting up an account holding stocks is it better to sell all stocks and split the proceeds or to split the stocks? My husband sold all the stocks in the account which caused a ...
- 11
1
vote
1
answer
68
views
If the highest federal tax rate is 33% and the highest provincial tax rate is 25.75%. why is the marginal tax rate 53% rather than 58.75% (Quebec)?
If I understand correctly, the total tax is basically the sum of federal taxes and provincial taxes, so for Quebec this should give a marginal tax rate of 58.75% (33% federal and 25.75% provincial). ...
- 145
1
vote
2
answers
83
views
Home in escrow but decide not to buy
I am in escrow on a home that I planned to buy with another person. I planned to pay 3/4 of the price in cash and he got a loan for 1/4 the price of the home. Since entering escrow we no longer are a ...
- 11
2
votes
0
answers
55
views
Time Limits on chargebacks when large company assures me refund is in progress
Short version:
Company rep has told me "refund is in progress" for a purchase I made with my credit card, however, it's been over a month, and I have not seen the refund. When or should I ...
- 211
1
vote
0
answers
47
views
How to tell what the net amount in a payment from an employer should be?
I had parted ways from a former employer. I had worked full time and my pay rate was always the same. There were some complicating factors and the timing and amount of the last few payments were ...
0
votes
1
answer
117
views
Going through a divorce and I’m in dire need of a new vehicle. Can I purchase one with a co-signer?
I’m currently going through a divorce in Mississippi. Non contested papers have been drawn up and sent to my wife. My vehicle has bitten the dust. Can I purchase a vehicle with a co-signer and keep it ...
2
votes
1
answer
52
views
Can Schedule A medical expenses offset long term capital gains?
My elderly parents have recently started incurring very significant expenses for in-home care. They are considering selling a vacation home with a long-term capital gain to cover their caregiving ...
- 133
1
vote
1
answer
106
views
Are interest and penalties due to the IRS when there is an automatic extension due to emergency?
I just got a letter from the IRS, saying that I owe them a small amount of money. I live in California, where we had an automatic extension to the due date until October 15, so that is when I filed. I ...
- 113
2
votes
2
answers
310
views
Do Americans usually accept a stained dollar bill?
I'm not American, but have visited the US a couple of times. I think in one of those trips I got this $100 bill:
As you can see, it has some dark stains, but it didn't bother me at the time and I ...
- 125
-3
votes
1
answer
214
views
Bank sent int'l transfer to wrong beneficiary using wrong currency - when returned it was $2200 less because of conversion fees. Who's at fault?
At the end of May '23 I walked into my local WF branch with the instructions from WISE Bank on how to wire 72,000 euros to their Belgian branch. This was my first international transfer. The banker ...
0
votes
1
answer
75
views
Will a negative reward points balance of a credit card incur interest?
If I have a credit card with a negative reward points balance (say due to a returned product), and if I let the reward balance remain negative, will this eventually incur interest charges?
A negative ...
- 1,569
0
votes
2
answers
218
views
Why do companies pay a dividend when they can buy back and retire shares to increase their share price?
I am trying to determine something a bit niche that may not have an answer. I have asked professors, financial advisors, and random people. The best answer I have gotten is "I do not know, maybe ...
- 13
0
votes
0
answers
11
views
Does Liberalised Remittance Scheme (LRS) apply on Private Limited company - India
I own a small Private limited company in India. And I just received some inward remittance from abroad. Where my bank charged me for using forex services provided them which is almost towards the 1% ...
- 101
2
votes
1
answer
133
views
How is the Underpayment of Estimated Tax penalty determined?
My understanding is that if you pay at least 90% of your current tax year obligations, pre-deductions, or 100%† of your obligations in the previous tax year, you avoid the penalty.
I was just sent a ...
- 230
-2
votes
2
answers
81
views
Titles and double booking entry not valid after move new pc [closed]
I moved my Gnucash files between PCs. I transferred all Gnucash files at my particular location that I consider for further moving process and keep them particularly in a folder then transferred them. ...
- 97
7
votes
6
answers
7k
views
Paying $185k back rent to sister - can I claim in taxes?
My sister bought my mother’s home from under me. It was a two family home. My sister lived in one apartment and I lived with my mother and two kids in the other apartment. My mother never asked for ...
19
votes
1
answer
6k
views
Friend accidentally Venmo'd me rent as a commercial Venmo transaction. What are the tax implications of this?
I pay the full rent to our landlord and my friend sends me his share. When using Venmo, he accidentally ticked the 'goods and services' option which marks it as a commercial transaction. He sent me $...
- 301
14
votes
5
answers
10k
views
A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?
I got contacted by someone on Telegram with the user name "." with the following message:
I am a citizen of Uzbekistan, my child is sick with gout, so can you
put 10 dollars on my card
...
- 257
0
votes
1
answer
117
views
I want to reinvest in a stock after 2 years of not investing
I currently hold a stock (X) in which I have a 200% profit (invested about 2 years ago). I want to invest on the stock again. However, if I invest money in the stock now, the profit reduces as the ...
3
votes
2
answers
1k
views
How to maintain NAV (Net Asset Value) for family fund
I have a Google Sheet which consolidates multiple funds in which I am invested. I also track my trades in the same sheet and update the profits to track XIRR returns overall.
This is working fine for ...
- 141
0
votes
0
answers
23
views
Calculate growth rate for stock that went from negative profit to a positive value [duplicate]
I'm trying to calculate the compound growth rate of operating margin, in a 5 years span:
compound growth rate = 100% * ((M1 / M2) ^ (year - 1) - 1)
M1 = current operating margin
M2 = operating ...
- 453
0
votes
2
answers
88
views
Understanding the weight of stocks in S&P 500 indexes
I'm reading about S&P 500 stock list here,
https://www.slickcharts.com/sp500
It looks like each stock has a different weight, e.g MSFT has 7% but V has 1%, why is that? What's the problem of being ...
- 453
0
votes
2
answers
144
views
What options do I have as the primary owner of a vehicle someone else drove daily?
Back story and its a long one!
I live in NH and my sister lives in MA.
My sister bought a car with my dad as cosigner but he passed away not long after. Because of this my sister needed a new cosigner ...
- 1
2
votes
1
answer
87
views
In what cases is it profitable to sell currently-held bonds in favor of buying newly issued bonds?
Assuming there is no arbitrage, and say the Federal Reserve hiked rates from, say, 2% to 3%. I am holding a US treasury bond with a YTM of 2% (before the drop in price due to the rate hike).
If I am ...
- 161
7
votes
2
answers
2k
views
No Cost ETF - Is there a trap here
I have noticed that Fidelity has some no cost ETFs. That is, they do not charge a management fee. I have bought some Vanguard ETFs because they have a very low management fee. I consider both Fidelity ...
- 1,540
-6
votes
1
answer
240
views
What's app crypto romantic scam?
didn't have...and then I could tell he was frustrated because it seemed like he just dripped the conversation. I tried to contact him a few times, I can see that he saw the message, but there was no ...
0
votes
0
answers
23
views
Should I include institution holdings percentage in security analysis?
I'm trying to understand the impact of Institutional Ownership in security analysis, e.g 94% float shares of CROX are owned by institutions, https://www.nasdaq.com/market-activity/stocks/crox/...
- 453
0
votes
3
answers
100
views
Should I include negative values to calculate the average PE ratio?
I created a computer program to analyze the stock market. I need to calculate the average PE ratio of each stock market sectors, e.g Health Care, Energy, Utilities.
However, many companies listed have ...
- 453
1
vote
0
answers
22
views
Is personal loan interest deductable from other income / income for capital gains
Say I take a personal loan and invest that amount on P2P lending platform, or in a high yeild FD, or in the stock market. Is the loan interest that I pay for this loan eligible to be deducted from the ...
- 95
1
vote
1
answer
62
views
How do I model the diversification benefit of adding something to my portfolio?
Question
How can I quantify the marginal diversification benefit of adding a particular holding to a portfolio?
Context
In this question, I asked about manually replicating a world-tracker ETF by ...
- 121
0
votes
0
answers
40
views
Settlement period change in 2024
There is a settlement change in May 2024. Does that change applies to
Stocks/ETF
Options
Mutual Funds
- 1,245
0
votes
0
answers
48
views
Does dividend tax witholding mean that ETFs aren't necessarily great for personal pensions overseas?
Question
For tax-shielded personal pensions (US IRAs, UK SIPPs), should one prefer to "manually replicate" ETFs by holding stocks directly instead of buying ETFs, to avoid US withholding tax ...
- 121
1
vote
1
answer
101
views
How can TIPS have negative real yields?
In this Investopedia explainer about TIPS, it says:
The yields on TIPS are often negative. This is because after taking into account the effects of inflation, the real yield is negative. For instance,...
- 121
0
votes
3
answers
290
views
Does the owner of a company effectively "give up" a portion of his company on IPO?
I’ve been trying to understand IPOs by reading some questions about it on this forum.
As I understand it, if I’m the owner of 100% of the company and decide to go public with, say 10% of my company, I’...
- 25
2
votes
1
answer
63
views
(canada corporate tax) Assets dont add up to liabilities and equity due to rounding errors. How to fix?
My accounting software (waveapps) and all my invoices/receipts/bank statements rounds up to the cent. But all of the underlying T2 schedules and forms from the Canadian Revenue Agency are rounded to ...
- 501
0
votes
1
answer
93
views
PURCHASES IN DUBAI WITH USA DEBIT CARD
I'm working in Dubai constructing a building for a company there, but I use my US bank account to buy materials and tools. Do I have to pay VAT at my bank in the USA or do they just add VAT ...
0
votes
0
answers
79
views
I just found my Euro Disney S.C.A share certificates
I've been trying yo find out how i can sell my Euro Disney S.C.A shares. I know Euro Disney brought back the shares in 2017
- 1
0
votes
0
answers
66
views
Are all my sources of income considered when calculating the repayment of my student loan?
Actually, I have two questions.
I have a student loan income-based repayment, from my studies in the UK. Are any other income sources rather than my salary considered?. For example, a rent I get from ...
- 1
3
votes
1
answer
339
views
In the UK, if I pay tax on both PAYE and Self-Assessment, where will my savings interest be taxed?
Like a lot of people in the UK fortunate enough to have savings, the higher interest rates mean that I will be getting more than the £1000 tax-free allowance on savings interest. Unlike a lot of ...
- 1,281
0
votes
1
answer
23
views
Calculating Bond YTM for different maturities
I'm a bit confused on how to calculate the YTM of a bond with less than a full coupon's worth of periods remaining.
If I have a bond with 7 months to maturity with the next coupon payment due in 1 ...
- 1
1
vote
0
answers
48
views
Gnucash Quote data from other than Alphavantage
As on today, Alphavantage seems to throttle 25 requests/day on free account.
As we see other provides like Fool/Fidelity Direct etc,
Can somebody help configuring gnucash quotes retrival with source ...
- 93
0
votes
1
answer
79
views
Can buying mortgage points reduce a rate below the applicable federal rate?
And if that is possible how does this prevent the bank from avoiding paying imputed interest. Additionally could points be purchased to bring a rate to zero or a negative number?
- 101
0
votes
1
answer
77
views
Chrysler money factor
Are Chrysler dealers allowed to negotiate the money factor on a lease deal? I want to negotiate a lease deal so I need to know how hard to push on the capitalized cost.
- 1
2
votes
1
answer
252
views
Any problems with paying essentially $0 towards student loans and counting on forgiveness?
I recently signed both my wife and I up for the new SAVE IDR plan for our student loans. This put our total monthly payment from $350 to $0... I am eligible for PSLF so my loans (about $24k) will be ...
- 8,456
2
votes
1
answer
69
views
Can a prior-year deposit be included in a current-year tax credit?
I'm hoping to replace some older windows with energy-efficient ones. The new windows would qualify for the Energy Efficient Home Improvement Credit. The concern I have is timing: the company I'm ...
- 129