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votes
1answer
165 views

How to prepare for a war [closed]

I understand that the value of investments in debt, equity, paper currency, bonds, and in physical properties all go down if the country gets into a major war. What is the best strategy to be prepared ...
1
vote
2answers
137 views

How to manage money with no expenses [closed]

Suppose a person has $165K in his checking account and has no expenses (e.g living with parents, home cooked meals, etc.). What would be the best way to distribute/use this money? Should some of it be ...
1
vote
1answer
230 views

Sold Calif. house for more than we paid, but moved to more expensive Calif. house. Do we owe tax?

Bought house [A] in May 2019 for $590k. In 2021, bought house [B] for $915k in July and sold house [A] for $754k in Dec. Moved from A to B july/aug 2021. UPDATED 1/15/2022... Both houses were our ...
0
votes
1answer
222 views

Why are the deductions so high on my payslip

My base salary is approximately £110,000 and I also get an annual bonus of approximately £30,000 paid in January. This December my employer gave out a flat bonus amount of £750 grossed up, so I was ...
0
votes
0answers
31 views

Moving NASDAQ assets when changing banks

I have a Polish bank account and I'm able to buy shares from NASDAQ. It looks like my bank has a trade agreement with NASDAQ. What actually happens when I buy shares from NASDAQ? Will my ownership be ...
7
votes
3answers
3k views

Credit card charge off : Can creditor take away the electrician's toolbox and the car even if the car was paid off a long time ago?

Here is the situation: Suppose a person owes a credit card company $10,000, can't pay it any longer, and after 6 months, the credit card company decides to charge off this credit card. Suppose that ...
0
votes
0answers
81 views

How to evaluate equity requirement for a stealth startup?

I was asked for salary expectations at a stealth startup. How to go about deciding on the amount of equity when there is no information on their numbers (sales, valuation, etc.) online?
1
vote
2answers
153 views

Should I increase my policy limits when the rebuild costs greatly exceed the mortgage?

I recently changed providers for my home insurance and as part of the process, they sent somebody to conduct a driveby inspection of the property to verify that there weren't any factors which would ...
0
votes
1answer
52 views

How to calculate actual dollar values from the fibonacci extension on Trading View

Can someone tell me how to calculate these fibonacci extension values? For example, this extension is from 300.50 to 89.29. Now, when I look at the .786 or .618 values, I figured you just multiply ....
1
vote
1answer
85 views

Company exceeding Index weight percentage cap

I was looking at the Index MSCI World SRI Select Reduced Fossil Fuels where it says: The Index is float-adjusted market capitalization weighted and a 5% capping with 10% buffer is applied on issuer ...
0
votes
1answer
51 views

Do you pay VAT for a b2b between a EU country and a candidate EU country (Albania)?

As a self-employed in Albania, I want to have a business-to-business (b2b) relation (I will sell them my service) with an Austrian company. Does the Austrian company have to pay VAT in Austria for my ...
4
votes
3answers
408 views

Private sale: Buyer requests receipt for payment before payment was transferred. How does this scam work?

I am selling something on ebay Kleinanzeigen (German equivalent to craigslist in the US). A potential buyer first acted like a private person in writing, rather young at age, maybe even a teenager. ...
0
votes
1answer
114 views

Does inflation erode stock earnings or are stocks a good inflation hedge? - Intelligent Investor Book Question

I've come across this in the beginning of the book "The Intelligent Investor", by Benjamin Graham: How well did Graham’s forecast pan out? At first blush, it seems, very well: From the ...
0
votes
2answers
178 views

Diverting work income through my unprofitable LLC

I have an LLC that doesn't make money, and I have a full-time job. I'm considering having part of my income from my employer go to my personal bank account (to save for retirement), and the rest go ...
0
votes
1answer
128 views

Do you qualify for Medi-Cal if you are wealthy and just don't work?

If I'm reading the descriptions of Medi-Cal correctly, low income alone is enough to qualify you for free medical coverage. So, if you are taking a sabbatical, working on your own startup (that isn't ...
2
votes
2answers
223 views

How are so many stocks tradable via Frankfurt that are not listed there?

For example, Stellantis says it is listed on Milan's Borsa Italiana, Euronext Paris, and New York Stock Exchange (source). Still it has a ticker symbol FRA:8TI and is tradable at Frankfurt. How is ...
0
votes
1answer
40 views

What does "existing balance sheet cash" mean for a company, as compared to actual cash and cash equivalents?

I read that Li-Cycle (LICY), a Li-ion battery recycling company, is increasing the size of a large recycling plant. To do this: The Company estimates that the Hub will require a total capital ...
3
votes
1answer
63 views

Public Service Loan Forgiveness - How is loan payment pause handled?

I have student loans totaling $14,000. I began repayment 9 years ago, but took deferment while in grad school for about 18 months, and then CARES act automatically put my loan into forbearance in ...
0
votes
1answer
88 views

Are public companies allowed to make their Earnings Forecasts?

Are US public companies allowed to make forecasts about their Earnings? If so, what are they called? I've been searching through Annual Reports for this and can't find it. I've looked for: Guidance $...
3
votes
3answers
313 views

Is a company 401k better than a IRA?

Company is moving to a poorly rated 401k provider. If I keep the money in company 401k I can take advantage of dollar cost averaging with poor fund choices. If I rollover to an IRA I can invest as I ...
1
vote
1answer
96 views

How does one trade IPO stock on the first day of trade?

As one cannot get into IPO before it does public, how can one trade IPO stock on the first day of trading? I understand one can place orders in a public market. But trading in a public market on the ...
32
votes
4answers
9k views

Will the Government come after my daughter's assets if I can't pay my student loans?

I’m 60 years old. Got my masters degree finally. Now i cannot find a job. No one would hire me. I applied 1000 applications. Still no luck. I have $10,000 student loan. How to handle this? I live with ...
2
votes
0answers
132 views

How does “Velocity Banking” actually work?

I’ve seen this mentioned a few times now in various financial articles, but it smells like some kind of “system” a gambling addict would come up with to “beat the house”. Doing a web search on it, I ...
15
votes
4answers
6k views

Is it a good idea to make one additional monthly payment to a mortgage?

This is an oversimplified scenario (the numbers, dates and interest rate may not be accurate as I am only asking about the strategy): I have a mortgage with a monthly payment of $1,000 and it is due ...
15
votes
2answers
6k views

Money Order shredded by HOA, what do I do?

The HOA (Homeowners' Association) we are dealing with charged an NSF (Non Sufficient Fund) Fee and said they weren't able to cash the money order and since this is regarding a payment due in September,...
2
votes
1answer
64 views

Should I wait until after my LLC's effective date to purchase equipment?

I'm starting an LLC with an effective date of January 1, 2022. I would like to purchase some computer equipment ASAP so I can hit the ground running in January, but I won't have my LLC's bank account ...
1
vote
2answers
64 views

End of year Tax for S-Corp holding January payroll

To my understanding of S-Corps in the US, at the end of the year all money left in the corporate account is "profit." This money is distributed to the owners who pay income taxes on it. ...
1
vote
0answers
78 views

If I meet my Out-Of-Pocket Maximum, but not my deductible then what happens to my medical bills?

Out-Of-Pocket Maximum is the amount you pay including any cost sharing payments such as coinsurance, copayments and deductible amounts. Usually copayments don't get counted toward deductibles and ...
-1
votes
5answers
234 views

What current tax bracket is used for Roth 401(k)? What happens if it's incorrect?

When contributing to a Roth 401(k), you get taxed on it immediately. But we know that, in general, your company won't know your exact tax rate and brackets; it'll only have an approximation—that's why ...
30
votes
6answers
10k views

Is it a scam if a non-Amazon merchant sends two items from Amazon when I ordered one?

During Cyber Monday I was searching for a specific camera as a gift for a family member. I found it available at a merchant I had not heard of before for around $100, which is $25 cheaper than Amazon....
2
votes
2answers
47 views

What are the accounting rules around payment of dividends for loss making companies (VOD)

Vodafone (LSE:VOD) has been loss making and has negative retained earnings (Accumulated losses). What are the accounting rules that allow Vodafone to pay a dividend - From the UK Government's website: ...
1
vote
1answer
32 views

How to find information for premium increase trends?

Each year, I find that the premiums on the Affordable Care Act (ACA) Marketplace increase on my chosen plans by a large amount. Since I qualify for maximum assistance when I choose a plan, when a 1% ...
0
votes
1answer
48 views

How to price an ETF consisting stocks from different regions?

just out of curiosity, I would like to know how ETFs that consist stocks from various stock exchanges are priced. For example, if there exists an ETF that contain Apple (U.S.), Tencent (HK), and Rolls-...
2
votes
1answer
61 views

Two IRAs and RMDs

An investor, who is over 75, has two different IRAs. If the first IRA has an RMD of $4000 and the second IRA has an RMD of $6000, can he satisfy both RMDs by taking out $10,000 from the first IRA? I ...
7
votes
4answers
2k views

Minimizing taxes on dividends

I own stocks and ETFs in my taxable brokerage account at Vanguard, and these securities generate taxable dividend income every year, which is a problem. How do I fix it? It was a bad idea on my part: ...
2
votes
3answers
184 views

In theory, what effect should an increase in the national interest rate have on corporate bonds?

The Bank of England is soon to announce if it's going to put its interest rate up or not. I own a lot of UK corporate bonds. Specifically, I have a big investment in one of those unit trusts that ...
0
votes
1answer
136 views

Payment sent to wrong SWIFT code but right account number (not IBAN)

I've just had a payment sent to me via Wise, from US to UK, but after a week the funds hadn't arrived and I double checked the details. I bank with Nationwide, but the sender has used their ...
0
votes
1answer
130 views

Can You Cash A Bank Guarantee?

Can you cash a bank guarantee and if so where?
2
votes
2answers
164 views

What are decent premiums for physical silver / gold coins / bars?

This a question I have been trying to find an answer to in these last months, and don't seem to find an answer. My curiosity is simple: what are decent premiums for the products mentioned in the title,...
0
votes
1answer
57 views

Why ETF Actual Dividend yield differs after only 3 months

Will take IDVY.L as an example, dividends paid per share in September - 26.74p (30.91¢), projected dividends in December - 2.004p (2.35¢) - 13 times less. Another example - IUKD - 3 times difference ...
1
vote
1answer
95 views

Who's on the other side of very illiquid option contract trades?

So I've been short selling Deep-in-the-Money, far from expiration Put Options on an ETF for about a year now, to profit from upward price movements on the underlying and time premium decay. Volume for ...
4
votes
2answers
469 views

Is it a good idea to apply for a credit card with no annual fee, and use it only to get the welcome bonus? [duplicate]

Many credit cards have no annual fee and some welcome bonuses. For example, after one spends over a certain amount in the first say three months, the credit card user gets $200 reward. I am thinking ...
1
vote
0answers
97 views

Is it possible my school applied for a student loan funding for me?

I graduated from university a few years ago. I still have a huge student loan to pay. It's so big I started wondering how it happened. I've been diagnosed with a disability (minor dyslexia) and as ...
0
votes
1answer
39 views

Are Book Value and Shareholder Equity and Equity the same?

According to the Investopedia articles, all look to be Total assets - Total liabilities. Then are they the same? Investopedia: Book Value The book value of a company is the net difference between ...
0
votes
2answers
232 views

Can I rent the house that I currently paying to own? [closed]

I'm just wondering if it is legal or are there law that prohibits it, since I plan to buy a house and rented it out to someone so that they are the ones who will pay the house for me and I'm the one ...
1
vote
1answer
65 views

Studying Finance: What topic to study after TVM?

Sorry for posting 2 questions in a day here. I am new to finance, and I´m really enjoying learning. So I´ve covered the 1st topic of Financial Maths which is the TVM (but didn´t dive deep because my ...
-1
votes
1answer
105 views

Do I have to pay taxes If I withdraw from Paypal to other bank account than mine?

I have a Paypal account which is linked to my bank account (primary). In my country taxes are 40%. However, I want to withdraw money in Paypal to other bank account in other country (secondary). The ...
2
votes
1answer
38 views

Calculating portfolio returns from multiple stocks using XIRR

I am confused and would like some clarification. For around four years I have been building a portfolio of 30 stocks and I would like to calculate the portfolio returns as accurately as possible over ...
4
votes
3answers
1k views

Finance Test: How to solve for interest rate? (Annuities)

Hello thanks for helping me! Here's the problem: You are told that if you invest $11,000 per year for 23 years (all payments made at the end of each year), you will have accumulated $366,000 at the ...
1
vote
3answers
220 views

How to track the yield of my partner's investment in my house

My partner is moving in with me, and will start paying a percentage of the mortgage (based on our incomes). I already bought the house before we met each other so both the house and the mortgage are ...

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