All Questions
37,304
questions
-3
votes
2
answers
155
views
Are there any downside in investing in a municipal money fund instead of purchasing municipal bonds assuming the money fund's yield > muni bond yield?
I wonder whether there exists any downsides in investing in a municipal money fund instead of purchasing municipal bond, assuming the money fund's yield (tax-free) is higher than the muni bond yield (...
- 10.8k
1
vote
1
answer
182
views
Is a 11% increase in rent reasonable in Canada for 2023?
There was a major renovation in my apartment complex, I did accept my rent increase, but I am wondering if I should have. My reasoning was that the rent increase in the previous years were reasonable ...
- 191
5
votes
2
answers
332
views
How should I invest if I have much disposable income and cash on hand?
I'm a 29-year-old living in Europe and I'm looking for some investment advice.
I’m fortunate enough to be earning roughly $28k per month after tax, and I currently have about $400k in cash sitting in ...
- 151
18
votes
4
answers
6k
views
Bitcoin scam: how screwed am I? [duplicate]
I was sent contact information from an agency for a job. After a ton of emails, the person seemed legitimate, and they then sent me a check for the work and supposedly to book flights and such for ...
- 191
-1
votes
4
answers
401
views
Insurance Fees on Withdrawal on Trade Account [duplicate]
The company is called Anvex Trades and they are based out of the UK. I have seen many inconsistencies in this account manager, and I can see it right through her lies. Yes, shame on me for falling for ...
- 355
0
votes
0
answers
15
views
Tax treaty details on RSU (W8 Form)
I am working from India in US based org and got the RSU, wo need to fill the W8 form and need help on below:
Please select the Article, Paragraph, rate of withholding and income types claimed below:
15
votes
1
answer
3k
views
Could very old employee stock options still be accessible and viable?
When I was much younger, I worked for a local dot-com startup. As part of our bonuses we received 'stock options' a few times.
Given my state of naivety at the time, I had no idea what they were or ...
- 2,869
0
votes
0
answers
53
views
Understanding the numbers in discount backed value
I'm reading Warren Buffett and the Interpretation of Financial Statements and quote:
As stated earlier, in 1987 Warren started buying shares in Coca-Cola for an average price of $6.50 a share against ...
- 307
0
votes
2
answers
309
views
pending recession: keep money in 401k or savings account?
Husband and I are on Social Security.
I have a 401k of about $225K, not a lot.
With the impending recession, probably during Q2 2023, husband wants me to withdraw $$$ (e.g. $8K) from 401k and put it ...
- 109
0
votes
1
answer
69
views
What's the difference between markups and "commissions, transaction fees and contract fees" when purchasing individual bonds on the secondary market?
I read on forbes.com:
It can be difficult for investors to know the true cost of individual bonds on the secondary market, as prices frequently include markups. In addition, it’s entirely possible to ...
- 10.8k
0
votes
0
answers
70
views
Help me understand the risk of an indefinite halt to trading a security
Because of the indefinite halt to trading Russian securities in March last year, I want to understand this kind of risk better.
Of the various non government entities like stockbroker, stock exchange,...
1
vote
0
answers
84
views
Selling property abroad and transferring the money in the UK
I am a UK citizen and there is a property in Greece that my family wants to sell. It is an old property which I (and three more family members) inherited and paid taxes normally. The facts:
The ...
- 207
0
votes
1
answer
59
views
Dual insurance question
Here is the scenario: I am about to retire from the state of CA, but I will retain my State of CA health insurance (PPO--Anthem PERS Gold). I am going back to federal employment, and I have several ...
1
vote
1
answer
35
views
Understanding the "long-term corporate interest rates" and equity bond in the quote
I'm reading Warren Buffett and the Interpretation of Financial Statements and quote:
Consider this: With long-term corporate interest rates at approximately 6.5% in 2007, Warren’s Washington Post ...
- 307
0
votes
1
answer
67
views
bond etf: stock or bond?
I have a question how bond etf works as I can’t understand all the mechanics. When I buy stock, I bet on its price appreciation. I assume higher volatility as it can go up and down but I am free to ...
- 323
0
votes
0
answers
34
views
Convenience of Italian tax-advantaged retirement account
In Italy, as in many other countries, we have specific tax benefits for contributing to certain financial instruments geared towards retirement.
We can contribute up to 5,000€/year and subtract that ...
- 101
16
votes
7
answers
6k
views
Switching ISP to save money good idea?
My ISP (Spectrum) recently raised the price of my monthly internet bill to $70+. There are competitors in my area going for the $50 range with equal or faster speed. Is it possible to "haggle&...
- 2,003
-2
votes
4
answers
258
views
Will mortgage rates in the future be lower? [closed]
Currently we have mortgage rates in 6-7 percentage rage. This is relatively low when it comes to history. Yet everyone keeps telling that the rates will be lower so even if I buy a house today I can ...
- 323
21
votes
6
answers
17k
views
Am I being scammed after paying almost $10,000 to a tree company not being able to withdraw my profit without paying a fee
I was contacted by a woman on Instagram who told me I could make a $50,000 profit after sending in $500. This has been going on since August 2022. The senior trade manager told me that my account had ...
- 355
0
votes
0
answers
42
views
S&P 500 eps calculation
I am trying to calculate the eps for S&P 500 in order to validate the data I parsed (I got eps for 430 companies Q3 2022 year). I used different sources: seeking alpha API (is not connected with ...
0
votes
1
answer
133
views
What are the downsides, if any, of purchasing bonds on the secondary market instead of the primary market?
Let's ignore the transaction fees from my broker, which tend to be higher for the secondary market. Are there any other downsides of purchasing bonds on the secondary market instead of the primary ...
- 10.8k
1
vote
3
answers
287
views
Confirmation email and shipment sent for order I did not place - but not charged for it?
I received an order confirmation email completely out of the blue recently, thanking me for a $200 purchase of CBD gummies. This was not caught by a spam filter and went to my regular inbox. See below,...
5
votes
1
answer
410
views
Does the pro rate rule on taxes for backdoor Roth IRA conversion apply if you have multiple Roth NOT traditional IRAs?
This is a follow up of the question here about rolling over traditional IRAs to 401k.
The pro rata rule looks at the amounts in all your traditional IRAs when you do a backdoor Roth conversion. Does ...
- 705
0
votes
0
answers
46
views
How to trade European style option on Fidelity?
My goal is to sell European-style put options on TLT. How can I go about doing that on the Fidelity platform? So far I have been able to find an index that tracks atm putwrite strategy - PTLT index ...
- 101
1
vote
0
answers
35
views
Capital Gains on selling a redeveloped house in India
I am an NRI trying to sell my house in India. My house was redeveloped in early 2000s while I was an Indian resident. I got possession of the said flat in around 2006 when I was still an Indian ...
0
votes
1
answer
44
views
Does a limit buy marker order ABOVE a price threshold exist?
Contrary to a classic limit buy order, I would like to trigger a market buy order only once the price exceeds a certain threshold. Does such an order type exist?
(From what I understood, if I send a ...
- 3
4
votes
1
answer
207
views
IRA to HSA transfer - do the funding limits apply?
A person has $60,000 in his traditional IRA with a cost basis of 0. He has the right kind of health insurance. Can he do a one time transfer of the $60,000 to his HSA? That is, do the normal HSA ...
- 1,324
2
votes
1
answer
82
views
I'm self employed and I 1099 someone on my Schedule C. This person also happens to watch my kids as daycare, can I double dip the expense?
I am self employed and I have a worker that I issue a 1099. This person helps me around and picks up my kids and watch them as childcare service. I know I can deduct the 1099 income as an expense on ...
- 21
1
vote
1
answer
58
views
How shall one take into account the accrued interest when purchasing a bond on the secondary market?
For example, I'm looking at the following US Treasury bonds ordered by decreasing yield to maturity (YTM) on Charles Schwab:
If I simply want to maximize the returns, assuming no default risk, should ...
- 10.8k
0
votes
1
answer
50
views
H1B married to F1 visa now has H4 visa and both have been in the US for 5 years and both are working can file taxes as married filing separately?
If recently married with both spouses have been in the US for 5 years and both work full time in the US as a H1B and H4, can we file as residents married filing separately? Both have a social security ...
- 21
1
vote
2
answers
29
views
Do RSU / ESPP Sales Go On Form 8949 As Capital Gains And Losses?
I have a series of RSU + ESPP sales within the past calendar year. All RSU and ESPP that have vested and been awarded have been reported as ordinary income via a W2. My company uses ETrade for ...
- 635
0
votes
1
answer
44
views
How to find out whether a dissolved company has been traded in stock markets?
https://en.wikipedia.org/wiki/Ameriquest_Mortgage
I see the above company dissolved some years ago. I don't know whether its stock was traded in the stock market or not. How can I find this ...
- 31
0
votes
2
answers
57
views
IRS CP45 letter with $400 Reduction in Estimated Payment Credit
I received a letter last April with identifier CP45 from IRS after filing for tax year 2022. I understand this is regarding the IRS indicating they won't apply a tax overpayment to this year's (2023) ...
- 215
2
votes
3
answers
591
views
Best Way To Pay Taxes on Dividends and Capital Gains?
My dividends and capital gains are now a large enough percentage of my total annual income to be a tax burden and require advance tax planning, so what's the best way to pay the additional tax due:
a) ...
- 37
1
vote
1
answer
86
views
How to pick an initial investment mix
Assume I have a task at hand to construct an investment portfolio. At first I need to allocate the main parts and choose small/large caps, emerging markets, fixed income etc. I would think there are ...
- 323
1
vote
1
answer
62
views
What accounts for the difference in yield to maturity (YTM) between brokered CDs and US Treasuries?
Looking at the Charles Schwab table below dated 2023-02-24 on the yield to maturity (YTM) for different brokered CDs and bonds, I see that for when the maturity is 1 year or higher, brokered CDs have ...
- 10.8k
2
votes
3
answers
156
views
What is the way to get money managed without hiring a personal financial advisor?
What is the way to get money managed without hiring a personal financial advisor? I do not think I need any personalized approach, I'd rather have a target retirement date and I would like to get ...
- 323
0
votes
1
answer
66
views
What does a portfolio manager for an ETF do?
When I check a particular fixed income ETF it usually shows me the portfolio managers for it. May I ask what is their role? I think every ETF has a benchmark, say a bond index. Now the fund is ...
- 323
24
votes
9
answers
7k
views
Where to put an inheritance of $1.4 million upon first receiving it
Sometime in the next year, I will receive an inheritance of 1.2 to $1.4 million. I am concerned about the safety of money in a bank with threats to USD thanks to fiat vulnerability. I live in the ...
- 281
-1
votes
0
answers
16
views
Registration of new company in India by working in another company
I'm working in a software company in India. Shall I register the new company on my name as private limited without quitting my job and will it affect my job as I need to work parallelly? And will it ...
0
votes
1
answer
188
views
Bank accounts closed unexpectedly, funds missing
Wells Fargo bank closed my accounts and haven't sent me my funds. I keep getting run around about who to call; what can I do?
- 1
0
votes
1
answer
112
views
What happens if I place a stop limit sell order with a $1 limit?
Let's say I am looking to sell a Bitcoin on Coinbase if the price drops to a certain level. This sounds like a perfect use case for a stop limit order. So I set my stop price at the level that I want ...
- 103
1
vote
1
answer
50
views
What's the difference between "Frais de gestion annuels (max.)" (~expense ratio) and "Total des frais sur encours" (~expenses on outstanding amounts)?
I see two fees on the ETF report below:
Frais de gestion annuels (max.), which can be translated as expense ratio.
Total des frais sur encours, which can be translated as total expenses on ...
- 10.8k
1
vote
2
answers
119
views
Why are preferred shares in the Korean market traded at a discount?
According to the answers here, voting rights don't really matter when it comes to the price of shares. Also, I am not sure about the US market, but in the Korean market, a preferred share usually pays ...
- 211
-4
votes
1
answer
106
views
How can I minimize possible future ties to economics and live as stress-free as possible on an economic level? [closed]
I have no other way to phrase this but for some reason, even the meer mention of most personal finance topics sets off panic attacks (probably a lack of understanding or ability to comprehend the ...
- 95
0
votes
1
answer
152
views
Should I Buy a Cheap Apartment in Manhattan? [closed]
I am a recent college graduate and have been offered a job in Manhattan with a salary of $160,000. I am planning on living in the city for at least the next 10 years, and I am trying to decide whether ...
1
vote
2
answers
58
views
FBAR: should I guess the approximate highest amount
I inherited a German investment account and the bank does not have the highest amount during the year because of market fluctuations. They have stated in a letter to me, that they can not provide me ...
- 11
1
vote
0
answers
29
views
how much will it cost me to exercise my HUT.WT.A
I have invested in HUT8 warrants over last 14 months I would like to exercise them to convert to shares in stock.
My HUT.WT.A are expiring June 15/2023.
My broker Questrade enquired with Hut8 investor ...
- 11
4
votes
2
answers
580
views
What factors to evaluate in a bank or credit union when investing certificate of deposits in the US?
How do I evaluate a bank or credit union for its financial strength and trustworthiness before investing in their certificate of deposits in the US?
- 443
1
vote
2
answers
96
views
How to structure a company/entity that accepts money from friends/family to invest and gain interest/dividends/gains?
I have a few interested friends and family that are looking to invest money. They come with various backgrounds/experiences in investing but given a connection they are willing to try a different ...
- 1,896