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55 views

should I sell my shares of pattern energy? [closed]

Today it was announced that pattern energy is to be bought by CPPIB for 26.75 a share. I currently have a position in PEGI at $27 a share, and the price is around that currently. Is there any reason I ...
0
votes
0answers
39 views

How to pre-pay lodging like on AirBNB? [closed]

What are the options for pre-paying lodging in its entirety in advance? Ideally I mean online, by credit, and without a lot of extra work - I am aware that most hotels offer some support of faxing ...
2
votes
3answers
461 views

What is an advantage of getting dividends from stock? [duplicate]

I have seen multiple questions on this site that mention how when a dividend is paid out, the price of stock drops by the same amount, which makes it so that getting the dividend does not actually ...
2
votes
1answer
96 views

Money type for dad's partial distribution from 401k?

My dad is 66, retired, and has around $75k in his 401k with ADP. He wants to pull $5k out of his account. ADP sent a form to fill out and I am helping him since he has some questions. On the form ...
2
votes
2answers
149 views

Roth IRA Rollover Transferred Twice?

Last week, I initiated a Roth IRA rollover from Brokerage A to Brokerage B. On Friday, the check from Brokerage A was cashed in by Brokerage B, and the funds became available at Brokerage B as of this ...
0
votes
0answers
53 views

Why aren't old income statements from All companies available? [closed]

For the last few days, I've been trying to track down a way to get all income statements from all public companies. I realized that on most websites you can't get more than 4-5 years of data (in paid ...
0
votes
1answer
86 views

loan and interest rate [closed]

A loan payment of $4200 was due 3 months ago, and another payment of $1800 is due in 6 months from now. When should a single payment of 5800.00 be paid to settle the debt if interest is to be 2%?
7
votes
1answer
2k views

What does it mean for money to be 'paid out in rates'? [closed]

Please see emboldened phrase below. Prof Richard Taylor, Damian Taylor. Contract Law Directions (6 edn, 2019). p 185. para 2. Indemnity for expenses incurred under an obligation An ...
1
vote
1answer
113 views

Why would creditors accept a comfort letter that can't be legally enforced, from borrowers that refuses to guarantee?

Prof Richard Taylor, Damian Taylor. Contract Law Directions (6 edn, 2019). p 65. Para 1. You might be wondering why businessmen bother to make an agreement if it has no legal effect—is it worth ...
3
votes
1answer
123 views

over contributed after-tax 401K

I have had two employers in 2019. Through both employers, I made around $18K pre-tax 401K contribution combined in 2019 (which is less than $19K limit). However, through employer match and after-tax ...
27
votes
3answers
15k views

50k job is offering 90k worth of shares. Scam?

This was a job posting on Linkedin, in the software industry. The rules are that you can sell up to 30k per year. But the job offers 50k (GBP) and it seems that offering shares greatly in excess of ...
35
votes
11answers
13k views

Possible executive assistant job scam

Someone reached out to my friend (whom I will refer to as Riley) over LinkedIn and invited them to a job interview. The job was for an executive assistant. The job description was vague and did not ...
3
votes
1answer
72 views

Wife's H4 is Pending. I am on H1B effective Oct 1 2019. Can I withhold taxes as 'Married'?

My Visa status changed from F1 to H1B effective Oct 31st this year. My wife came to USA in May 2019 on F2 Visa. Her H4 application is still in process and her F2 is invalid effective Oct 31st. I ...
0
votes
1answer
51 views

Recording rental deposit return minus cleaning fees

This is a question about Double-Entry Bookkeeping. I am having a hard time correctly recording the fact that due to shared cleaning fees I owe the subleasee less than the deposit he gave me. These ...
0
votes
2answers
74 views

How does trafigura hedges the price risk?

I wanted to know how does company like trafigura hedges against price risk? Example if trafigura agrees to sell say a barrell of WTI crude oil @ $56 3 months hence. How would they hedge it? Would ...
1
vote
1answer
78 views

Roth IRA excess contribution for current year

Just wanted to confirm - In the current year (2019), I contributed more that $6000, in fact almost double by mistake, as I did not realize my employer was deducting as well, I have both 401k and Roth ...
1
vote
2answers
72 views

401K loan repayment

401 K plan allows me to take a loan and repay it in monthly installments with 5% additional, which adjusts it for inflation, i.e., I do not have to pay any fees or interest rate for my loan. I know ...
0
votes
0answers
69 views

What happened to my “Pre-Paids” on mortgage closing?

In August I closed on a home purchase (not refi), it's now November. My closing included both prepaids and escrow. My "Section F" Prepaids included 1-year home owners insurance Prepaid interest ...
-1
votes
2answers
71 views

Ownership conferred by shares and ADRs bought through a broker

In the US, if one buys shares of some company, say Apple, through some broker, say Charles Schwab, does one actually become an owner of the company (Apple in this case)? I used to assume this was the ...
0
votes
1answer
29 views

How can I claim a Tax refund W8

I am a non us resident and I have invested in GE Bonds. I forgot to submit the w8 form and after i sold this bond i realized the irs withheld taxes. Now i have already submitted the w8 form. Will I ...
1
vote
1answer
32 views

Tax treatment of cash bonus for new rollover IRA account

Questions: Is this considered a contribution subject to things like yearly Roth contribution limits? Is there any special tax treatment? Such as the cash bonus in regular IRA becoming after-tax ...
0
votes
3answers
175 views
+100

US Tax Obligations for Multiple Trades of Stocks or Cryptocurrencies

Background I am trying to understand potential tax obligations for trading stocks and cryptocurrencies in the US. I was able to find the following information online: The IRS considers ...
0
votes
0answers
68 views

How to contact an investor for a business?

I recently opened a startup and I am preparing a well-crafted presentation of my idea for potential investors. I have to admit that I really don't know how to contact them. Finding them is ...
0
votes
1answer
41 views

Companies of La Paz Stock Exchange

Where can I see a list of companies listed on the La Paz Stock Exchange (Bolsa Boliviana de Valores or BBV)?
1
vote
2answers
140 views

Is it safe and smart to keep all your money in SAVINGS account in India? [on hold]

I am a Software Engineer by profession and passion. I am facing problems with chosing how shall I invest my money. I have worked for 3 years now, and have around 40 lacs INR total earnings which I ...
1
vote
2answers
112 views

Wire transfer to an intermediary bank account

I sent money from a bank that doesn't have a space for intermediary bank, so I put the intermediary bank statement information where the beneficiary bank information is supposed to be. I don't know ...
3
votes
2answers
256 views

What is the purpose of the first payment in car loans?

I'm in the process of buying a used car again. This involves taking a loan from the bank because I don't have enough cash on hand. The precise term for the kind of loan I'm taking might be "leasing", ...
2
votes
2answers
59 views

Can one file the US tax return (federal and state) electronically when they're no longer living in the States?

I am reading this from the IRS site: https://www.irs.gov/individuals/international-taxpayers/taxpayers-living-abroad … which says the following: Where to File If you are a U.S. ...
6
votes
1answer
257 views

Does giving money to your spouse to avoid tax make any sense?

In this well known scene from The Shawshank Redeption (content warning: language), Hadley is complaining because he is getting an inheritance, but he knows that the IRS is going to take a bunch of it ...
1
vote
1answer
29 views

Difference between CFTC COT report and COT legacy?

Does anybody know the difference between the CFTC COT report and the COT legacy report on https://tradingster.com/? Numbers are quite different between these two.
1
vote
1answer
140 views

What is a Mega Backdoor Roth IRA?

The so-called "Mega Backdoor Roth IRA" was coined in the following article in 2014: I don’t hear about new ideas very often, but here is one that a few people might find very useful. I call it the “...
1
vote
1answer
53 views

Does the concept of Fixed Deposit exist in the U.S. for foreign nationals?

There exists a pretty simple concept of Fixed Deposits in India where some banks pay up to 7% return per annum with a good deal of flexiblity. This is a good option for those who want to have a ...
0
votes
2answers
120 views

Check is made out to my business name and personal name - can i deposit it in personal?

I have received a check made out to My Business Name My Personal Name My Home address Formatted like that. Can I deposit it in my personal checking account? Thanks!
2
votes
1answer
72 views

Do stop orders work in overnight trading

I directed my broker to place a 5% stop order on a stock in my portfolio selling in excess of $100/share. Some weeks later while still holding the stock the price dropped 30% in overnight trading. The ...
1
vote
0answers
76 views

Any ETF composed of high volatility stocks? [closed]

Question I am looking for American stocks showing high price variance (volatility) Rather than calculating historical price change to check the individual stock's variance, I would like to find a "...
5
votes
0answers
152 views

How to plan for “Final Expenses” for an elderly parent?

A number of years ago, my father purchased a pre-need funeral plan and cemetery plot for himself and my mother. As he is getting on in years, I am looking at what planning needs to be done so that ...
0
votes
2answers
61 views

Contributing to IRA account which contains pre-tax income from my rollover 401(k)

I am in my early 30s and I have recently rolled over my 401(k) fund from my former employer into a Traditional IRA account. All the money in this account is pre-tax income. I would like to contribute ...
0
votes
2answers
82 views

Can I day trade during the settlement period in a cash account?

I'm a beginner at trading. Can I day trade during the settlement period in my cash account?
1
vote
1answer
85 views

How do I sell or transfer forgotten about shares

I realized today in a moment of lucidity that I have outstanding shares from an employee share ownership plan from my previous company, Loblaws Canada. The shares are on a site called "Computershare",...
1
vote
2answers
232 views

How common is it among people who are successful investing in a second property to pay the down payment with a home equity loan?

Can someone share insight into how common it is among people who make a decent profit buying a second home to pay for it by making a down payment using equity against their first home? I am ...
2
votes
1answer
36 views

composition of ADR in comparison to home market

I want to know how one unit of ADR is constructed from the home stock. For example, I see a ADR for India's Tata motors . ADR is trading at about $12 and in home market it is about INR 177, but given ...
0
votes
1answer
51 views

Avoiding currency exchange fees on credit card security deposits

I recently did a warranty exchange with a $25 service fee: I gave $500 deposit on my VISA card. They shipped the replacement. I returned the old item. They refunded $475 to my VISA card. which from ...
1
vote
3answers
344 views

How much money do I need to generate $1500 per month in dividends for the rest of my life? [duplicate]

I am 29 years old. I do freelance work and I can save around $500/Month from that. In my country, $1500/month is more than enough to cover all living/health/entertainment expenses for me and possibly ...
5
votes
1answer
72 views

Lifetime ISA Eligibility

I am a director of a Limited company (SPV) which owns an investment property on a Limited Company Buy to Let. I am one of four directors, other directors are parents and sibling. I don't own a ...
5
votes
3answers
388 views

Employer will refund me the cost of college, should I risk going further into debt?

I’m currently working towards paying off my debt. It’s something I despise. I had some emergency hospital bills come in this year. That and I have two new cars that I bought and they have turned out ...
19
votes
7answers
4k views

What is the difference between money and currency?

Money is a medium of exchange, according to 1,000 ways to make $1,000. Currency, on the other hand, is the "promissory note or coin". You may say that currency is a US dollar bill in the USA. But ...
1
vote
1answer
55 views

payments received in one year paid out the next year (US IRS tax question)

If you have an agreement that 70% of the profits from an activity will go to a contractor, and you receive the 100% of profits in year 1, but to protect against credit card fraud, you hold those ...
5
votes
2answers
2k views

How often to check credit card statement

How often should a person check their credit card statement to make sure that they don't fall victim to a wrong charge or cc fraud?
0
votes
0answers
21 views

Ensure tax compliance before moving to US. Investments in Offshore mutual fund that holds US stocks

As a non-resident alien, a person has to fill a W8-BEN form. Non-resident aliens are subject to withholding tax on dividends from US stocks (is that Ok?). Should the fund have had withheld those ...
0
votes
0answers
22 views

Foreign moving to US with investment in offshore fund through third country broker

A person from country x has a broker that some years back recommended investments in y fund. Say this one: Amundi Funds II Pioneer U.S. Fundamental Growth https://international.pioneerinvestments.com/...

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