All Questions

Filter by
Sorted by
Tagged with
-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 ...
Wolfy Rutten's user avatar
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, ...
KnowItAllWannabe's user avatar
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 ...
genbatro's user avatar
  • 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 ...
Hiroshi's user avatar
  • 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?
Adesanya Gbenga's user avatar
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 ...
Barbara 's user avatar
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). ...
qwerty_99's user avatar
  • 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 ...
Barbara 's user avatar
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 ...
Rboreal_Frippery's user avatar
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 ...
StumpTheCheff2's user avatar
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 ...
Joey Harrington's user avatar
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 ...
KnowItAllWannabe's user avatar
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 ...
Wesley's user avatar
  • 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 ...
sourcream's user avatar
  • 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 ...
Tommy Young's user avatar
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 ...
Zuriel's user avatar
  • 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 ...
Tree-Koala 's user avatar
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% ...
Saurabh Gupta's user avatar
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 ...
asgallant's user avatar
  • 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. ...
maxemilian's user avatar
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 ...
Marianne Wigglesworth's user avatar
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 $...
rsn's user avatar
  • 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 ...
Scz's user avatar
  • 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 ...
Spell Blade's user avatar
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 ...
Raj Pawan Gumdal's user avatar
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 ...
daisy's user avatar
  • 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 ...
daisy's user avatar
  • 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 ...
Amanda's user avatar
  • 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 ...
rb612's user avatar
  • 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 ...
Bob's user avatar
  • 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 ...
user126028's user avatar
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/...
daisy's user avatar
  • 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 ...
daisy's user avatar
  • 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 ...
kbsbng's user avatar
  • 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 ...
SuperElectric's user avatar
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
riya's user avatar
  • 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 ...
SuperElectric's user avatar
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,...
SuperElectric's user avatar
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’...
Enter4343's user avatar
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 ...
pf_init_js's user avatar
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 ...
Marlin Zaid's user avatar
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
Natty's user avatar
  • 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 ...
MARIA's user avatar
  • 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 ...
Bob Tway's user avatar
  • 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 ...
LitRan's user avatar
  • 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 ...
SolExplore's user avatar
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?
CodeCamper's user avatar
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.
sfnagle's user avatar
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 ...
Nosjack's user avatar
  • 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 ...
Jeff Schaller's user avatar

15 30 50 per page