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14 votes
2 answers
9k views

I found out I was the primary on a car loan and not the co-signer

I found out 6 years after I thought I co-signed for a car that I was actually the primary. The notes were paid at first, my daughter ended up doing a voluntary repo. What can I do?
Shauna's user avatar
  • 165
-2 votes
2 answers
134 views

Why is the "cash flow statement" a thing? (It seems it can be deduced from the balance sheet and income statement anyway?)

The question is basically in the title. From what I see, once I have the balance sheet and income statement, I already have everything I need about my business. From what I've seen, when creating the ...
mmerprogra's user avatar
-1 votes
1 answer
119 views

Is Tiller a trustworthy for tracking personal finance & budgeting?

I want to track my personal transactions with spreadsheets and do budgeting there. I came across https://www.tillerhq.com, which seems to solve that perfectly. I want to be smart about who I expose my ...
andykais's user avatar
0 votes
0 answers
170 views

Can a 13 year old in the uk hire an employee?

I have a 13 year old child who would like to start a company as a sole trader, can he employ someone as his business idea involves having an employee.
Jhusky's user avatar
  • 1
1 vote
1 answer
185 views

How can I log onto the IRS website without using ID.me?

Several years ago when I went to log into my online IRS account they had added ID.me to their site and I have been trying ever since to get verified. I have many of the secondary documents proving my ...
DC_Lady's user avatar
  • 21
-2 votes
1 answer
163 views

Should I pay the current balance or the remaining statement balance to avoid paying interest on my US credit card? [duplicate]

I have a credit card. I used it to make a few payments. In my account, I see: If I want to avoid paying any interest or late fees, do I have to pay the current balance or the remaining statement ...
Franck Dernoncourt's user avatar
-1 votes
1 answer
40 views

How to Report Income State Tax on Dividend Income from Mutual Funds While Traveling for an Extended Period

I left Kansas in July 2022 and have not returned since. My income for the year 2022 is solely interest and dividend income from mutual funds, including emerging market and corporate funds. The sources ...
sami's user avatar
  • 111
1 vote
1 answer
90 views

How often do ETF's change holdings?

I realize all ETF's are probably on different schedules depending on who's managing them. My question is: is there a way to learn the schedule for when they modify their holdings? Let's take Invesco's ...
Jacksonkr's user avatar
  • 943
1 vote
1 answer
87 views

How to calculate how much more paying off a loan with extra principal payments saves vs extra payments?

So I recently wrote my loan provider on whether the extra online payments I was making were applied directly to principal and it turns out they were not, they were just treating it like extra pre-...
Nona's user avatar
  • 121
-1 votes
0 answers
129 views

How to avoid interest with T+1 in the scenerio given below?

In my brokerage accounts I keep fund in ETF like VMFXX ( the brokerage does not have it as default sweep option). Currently VMFXX has T+1 settlement. Currently suppose I have a GTC order to buy some ...
puzzled's user avatar
  • 960
1 vote
1 answer
124 views

When does the IRS typically announce health FSA contribution annual limits?

Based on this and this, as of November 6, 2023, the IRS still has not announced the health FSA contribution limits for the year 2024, even though most private employers have already begun their open ...
Very Tiny Brain's user avatar
2 votes
2 answers
122 views

Can only the individual version of this health plan be a High-Deductible Health Plan?

I'm looking at a health insurance plan that has a deductible of $3000, for each person enrolled. If you enroll one person, it pays out when that person has $3000 or more of medical expenses. If you ...
interfect's user avatar
  • 159
1 vote
2 answers
71 views

Exceeding UK annual pension allowance

Due to changing circumstances, I think I might exceed my UK pension allowance for the tax year 23/24. As I understand it, there is a tax charge for this at the marginal rate of Income tax. Is this tax ...
Rob's user avatar
  • 113
1 vote
1 answer
60 views

How to handle US financial accounts after leaving?

I moved out of USA in Oct 2023 after living there for 8 years as a temporary worker. I am not working in USA anymore (physically or remotely). I have the following accounts: Robinhood brokerage: ...
sam's user avatar
  • 151
1 vote
5 answers
416 views

If loans are sold at discount to other lenders, why isn't the same offer given to the debtor for payoff?

Let’s say I have a loan at 3% for 10years for $100,000. After one year rates in the Loan market rise and are at 6% for the same type of loan. Why wouldn’t the payoff amount of the loan be discounted ...
DungenessCrab's user avatar
1 vote
3 answers
330 views

Is this eRupee email from my bank a scam?

I received an email like this, supposedly from my bank. It is unclear to me if this email is just some kind of scam. On the one hand, GMail seems to have put a blue checkmark, indicating that the ...
Agnishom Chattopadhyay's user avatar
12 votes
7 answers
9k views

How can I receive money without giving away my identity?

I am in the UK. I have won an online gaming competition in an extremely toxic international community. The prize is about $500. I do not wish to give any identifying details to this community. The ...
J. Mini's user avatar
  • 607
1 vote
0 answers
89 views

Is there any way to pay Vanguard account fees without it counting as an IRA contribution?

I have a small Vanguard traditional IRA that I maintain but don't contribute to. Because I want to continue to get paper statements, there is an account fee that I haven't paid for two years. ...
Jack's user avatar
  • 303
2 votes
2 answers
478 views

What is the correct Formula for calculating fund growth with fees

I am considering two different options for a roth IRA. A managed fund that has a higher historical growth rate but 1% fee and a self directed vanguard account, which would have a lower growth rate but ...
achyrd's user avatar
  • 123
1 vote
0 answers
57 views

Question about CC

I think I'm confused about parts of the CC process. If you're feeling charitable please help a brother out. My understanding: I buy 100 shares of ABC @ $25 (5 days duration) Sell 1 CC contract of ABC ...
bjl12's user avatar
  • 11
1 vote
2 answers
170 views

What are the risks of buying health insurance directly and not through the federal or state exchanges?

I'm self-employed and it's open enrollment time. My current health insurance was bought on the state exchange but the premium is going up 22% so that certainly encourages you to shop around. I've ...
Craig W's user avatar
  • 15.7k
4 votes
2 answers
307 views

How do I get the most money for selling an engagement ring?

I bought the ring fifteen years ago for ~$3,600 and we broke up several months later. I never took the time to research how to sell a ring. I realize I will likely not get the full amount back. Also, ...
user125877's user avatar
1 vote
2 answers
87 views

IRA withdraw penalties vs interest rates today

Here's a interesting point of view/question. With interest rates near 10% for loans these days - used car loans at 9.06% for someone with excellent credit - are we at a point where it makes more sense ...
user3260912's user avatar
0 votes
1 answer
105 views

Is it possible to deposit the check with the old business name into the new account?

Chase recently closed my business account without providing any reasons, possibly due to limited activity. They're sending a check with the remaining balance, issued in my old business name, "...
zeratul's user avatar
0 votes
1 answer
79 views

Can in-the-money covered calls be rolled indefinitely?

A bit of history: I worked at a company that granted me a bunch of META shares. So my initial cost for these shares is $0. I have never actually traded options before in my life. I find myself in a ...
Sonicsmooth's user avatar
3 votes
1 answer
144 views

Can you buy an annuity before age 55 in the UK?

I wish to retire young. To estimate how much I would need, I have hunted around the internet for any way to estimate how much an annuity paying £30,000 a year would cost for a 40-year-old man with no ...
J. Mini's user avatar
  • 607
1 vote
1 answer
121 views

Use HSA for medical expenses or save it for investment?

If investment growth using an HSA account is not subjected to taxes, then isn't it better to invest using HSA than investing on stock platforms like Fidelity or Robinhood? When I use the funds in the ...
Lacie's user avatar
  • 169
1 vote
0 answers
72 views

How do you measure the Accuracy of Implied Volatility?

Recently I've gotten hold of a list or rather a chart of 30-day Implied volatility and historical volatility for the same stock over the course of a year. With these data, I've thought there might be ...
Telefondemonen_se's user avatar
0 votes
0 answers
27 views

References/terms to search for regarding financial instrument universe selection

When attempting to profit off of the market in one way or another, an entity, be it a fund, individual investor, institution, etc., must first decide on what actual financial instruments are to be ...
QMath's user avatar
  • 101
-4 votes
1 answer
110 views

What's the best website to get the average base salaries for software developers? [closed]

I think Payscale seems to be the most accurate. For a senior developer in Canada, they claim that the median base salary is 100k in Montreal, which seems in line with what I see on online job boards ...
Sayaman's user avatar
  • 199
5 votes
2 answers
789 views

How to think about yield for a annuity of fixed number of years which pays a predefined cashflow each year

Let's say I have an offer to pay $1000 now and for the next 20 years, I will receive the following payments: Year 1: $10 Year 2: $20 Year 3: $30 Year 4: $40 Year 5: $50 Year 6: $60 Year 7: $70 Year 8: ...
pathikrit's user avatar
  • 173
-1 votes
0 answers
45 views

How to autofill ending balance with cleared balance when reconciling?

I am a new user and when I reconcile my transactions I get the popup to enter the ending balance and the ending balance defaults to the accounts "Present Balance." I want this balance to ...
user838494's user avatar
1 vote
1 answer
71 views

The meaning of "rate filing"

What does "rate filing" mean in the following paragraph? "The province is giving the AIRB new authority to tell insurers to return a portion of premiums to drivers if companies surpass ...
Maurice's user avatar
  • 111
1 vote
0 answers
39 views

Looking to resolve missing cost basis after transfer of funds to another brokerage

Back in 2021, I transferred all of my assets to a different brokerage. After the transfer completed, two of four assets have had an incomplete cost basis due to missing information for a very small ...
debarnacles's user avatar
1 vote
1 answer
81 views

What's the benefit of buying municipal bonds on the secondary market?

"Buy munis!", they say... "they're tax exempt!", they say... but are they? It looks like you're paying income tax on most of the Yield To Maturity (since interest rates have gone ...
RonJohn's user avatar
  • 50.6k
0 votes
2 answers
757 views

How Is Mark Zuckerberg Making Money?

According to this article [paywall], Mark Zuckerberg's Metaverse venture has seen $46 Billion in losses. In spite of this, Zuckerberg himself has increased his net worth by $59 Billion. But that's not ...
Zibbobz's user avatar
  • 4,374
28 votes
10 answers
9k views

Do you lose money if you don't use a plane ticket you won in a raffle?

My wife won 2 tickets from a major airline at the company she works for, after they did a employee only raffle that was free to enter. The problem: there is a caveat: the ticket must be booked for a ...
webyacusa's user avatar
  • 383
0 votes
1 answer
95 views

Is Implied- and Historical Volatility based on solely Business days?

I'm trying to compare historical and implied volatility for different stocks. Still, since I can't tell what these numbers are based on (for historical volatility) and referring to (for Implied), I'm ...
Telefondemonen_se's user avatar
0 votes
0 answers
64 views

How can I transfer money from local US bank to international bank in Asia, if the local bank can only issue a cashier's check, not a wire transfer?

I am an American teacher in China. I received an inheritance of a substantial sum of money back in November: a few hundred thousand dollars. Because of the pandemic I could not get back to the USA ...
user avatar
0 votes
1 answer
56 views

IBKR Trading Commissions for US stocks

I have a question regarding the commission for US stocks for IBKR pro (tiered and fixed). My first question is, what is the difference between tiered and fixed and how do you choose between the two ...
David's user avatar
  • 123
0 votes
1 answer
95 views

California car title transfer

I loaned a car to someone in California and I now want to transfer title to them for free. They will not sign the title transfer papers or return the car. I am concerned about my insurance liability. ...
Tony Walker's user avatar
8 votes
3 answers
2k views

Switching health insurance due to birth of baby

Expecting a baby in a few months and also working through Open Enrollment season. If I chose a low deductible plan for the beginning of 2024, and then switch to a high deductible plan after baby is ...
kk7534's user avatar
  • 232
1 vote
2 answers
547 views

Homeowner's insurance and alleged business misconduct

In the US homeowner's insurance usually also covers liability for unintentional acts, such as knocking over a vase in someone else's home. Suppose someone is accused of an act that would be a business ...
Gerard Ashton's user avatar
0 votes
1 answer
77 views

What all information should I take note of to file tax at end of year in Germany? (student visa)

From reading various articles, I find that one files the taxes at end of a calendar year. My question is, what all documents should I keep/ Information I should take note of by then, so I can have a ...
tryst with freedom's user avatar
0 votes
2 answers
163 views

Can I deduct driving expenses when I am driving for a ride share service and hoping to get a passanger?

Imagine a person is driving for a ride share service such as Uber. He is at his favorite spot waiting for his next passenger. He then gets a passenger and drives the passenger where he/she wants to go....
Bob's user avatar
  • 1,540
0 votes
1 answer
151 views

Buying back foreclosed property at auction

This is a theoretical situation, one that keeps making the rounds on Facebook (and probably other social media sites) of a "feel good" type of story, but I'm wondering if it has any basis in ...
computercarguy's user avatar
1 vote
1 answer
42 views

Dependent Care FSA prepayment in the same year?

My child's care is $1,900 a month. If I sign up for a Dependent Care FSA, I'm told that the funds are immediately available for use in the coverage year. Can you pay on January 1 2024, the full $5,000 ...
Evan Carroll's user avatar
0 votes
1 answer
39 views

Question about Google stock volume chart discrepancy

Let's take Disney stock for example: Go to https://www.google.com/finance and search for Disney. If I change the date range to 5 year, on October 20, 2023, the volume was 55 million. But if I change ...
ronald christenkkson's user avatar
1 vote
0 answers
125 views

Can an individual insure oneself against the potential liability placed on software developers by the Cyber Resilience Act?

I asked a question on law about the responsibilities placed on open source software developers globally who want or have to stop work by the forthcoming EU Cyber Resilience Act. The answer has ...
User65535's user avatar
  • 422
4 votes
1 answer
275 views

How can I open a student bank account when I am getting rejected for not having enough credit history?

I am presently a university student in the United Kingdom. I attempted to establish a student bank account through HSBC, but my application was declined due to a poor credit score. After some online ...
top ROOKIE's user avatar

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