All Questions

Filter by
Sorted by
Tagged with
2
votes
1answer
1k views

How converted stock is taxed due to an acquisition

Private company A was bough by a public company B. All unvested A's common stock (result of early exercise) will be rolled into B's restricted stock (with the same vest schedule). Is this taxable ...
5
votes
4answers
24k views

How does a high share price benefit a company when it is raising funds?

A company about to raise money desires a higher share price, because that will permit them to issue less shares for the amount of money they need. If the share price drops, they would need to ...
6
votes
2answers
5k views

Investment time horizon: When is it acceptable to withdraw money from investments?

I have received a windfall of 300K dollars. I am 23, have no debt, college educated. I want to have a mini retirement when I am ~40 years old. I plan on managing a diversified portfolio of index ...
3
votes
1answer
21k views

How to calculate the interest on my security deposit to my landlord?

Quoted from http://www.oag.state.md.us/Consumer/landlords.htm#deposits, here is the way to calculate the interest on security deposit a landlord in Maryland pays to his tenant: The landlord must ...
2
votes
1answer
318 views

Most beneficial currency exchange method for Chinese travelling to USA?

I will be traveling to the United States soon. My money is all in Chinese renminbi. My understanding is that I have 5 options available for converting my RMB to USD: Buy USD from Chinese banks and ...
3
votes
1answer
10k views

Online Trading Software: What does blue vrs red highlights mean?

I'm trying to understand the following table in terms of colouring. I realise this is specific to a particular product but a lot of other products seem to use red, blue, black as a color code scheme ...
5
votes
5answers
2k views

Should we pay down our HELOC or pay extra towards our mortgage?

We have a mortgage at $207K at 5%, a HELOC balance of $7500 at 3.25% and a credit card balance of $3300 at 13.9% APR. In savings we have $116K and in a mutual fund we have $21K My plan was to take ...
6
votes
1answer
14k views

What happens to dividends on stock held in TFSA or RRSP account?

What happens when dividends are paid out on stock held in TFSA or RRSP accounts? Do the payouts get put back into those same registered accounts? Are they considered 'contributions' into those ...
4
votes
1answer
4k views

How do I export or sync data from TD Ameritrade into Google Finance or another online Finance site?

I'm tired of TD ameritrade's web experience and open to other websites or programs that could pull TD-ameritrade information into an easier to view online interface.
2
votes
1answer
4k views

How can I get a loan secured with free and clear land?

I own a piece of vacant land free and clear. I have an immediate need for cash and would like to take out a loan secured by my property. The land was last appraised at $980,000. I cannot pay a ...
4
votes
1answer
3k views

Indian citizen wants to work as a freelancer for Europe. How to pay tax in India?

I got an offer to work as a freelancer for a European company. In Europe, it's like you need to set up a small legal entity on your name but is this the same in India? How can I do freelancing in ...
0
votes
1answer
143 views

Are bank accounts (same bank) accessible from outside of the U.S

This is a bit of a subjective question, perhaps more of a safety concern. I currently bank with Citibank (U.S), and since I know they have branches in other countries, could bankers in those other ...
9
votes
2answers
255 views

Credit Consolidation, Credit Settlement

I've done a little research but I would like to have actual feedback from people. I am currently behind on credit card payments and I am not sure exactly what to do. The interest rate is high and I do ...
3
votes
1answer
2k views

UK: Is there a difference between Renter's, Tenant's and Contents Insurance?

I'm in the UK, needing to get some insurance for my possessions, and I'm getting confused by the terminology in trying to do so. When I search for tenant's insurance or renter's insurance, I can ...
2
votes
2answers
1k views

Is it smart to move private (euro) savings to a different currency?

Lately, I'm hearing a lot of talk about the euro's impending demise (I don't know how true that is by the way). And it's making me a little bit worried about my savings. I don't have a lot of savings,...
0
votes
1answer
2k views

can I buy moneypak card on someone else's behalf?

What all information is needed when you buy a greendot moneypak prepaid card at Walmart in the US. Can I buy it for a friend using cash (not a credit card or something) and just give her all the card ...
5
votes
1answer
40k views

Correct method of recording bank transfer in double-entry accounting

What is the correct way to record the transfer of funds between 2 accounts of the same type (ie checking account to savings account)? Since they are both debit accounts, wouldn't crediting one and ...
4
votes
1answer
264 views

Buying Large Amounts of Inflation-Protected Treasuries (TIPS)

We are selling our current property, and will be renting in the short term while looking for a property to purchase. We have some equity in the current property, so will get a payout at closing. To ...
-1
votes
3answers
617 views

Are binary options really part of trading?

I watched many videos and read many tutorials about binary trading. If I really understood it, you bet that a quote/currency/stock market/anything will rise or fall within a period of time. So, ...
4
votes
1answer
805 views

How do I treat the income from an ESPP I sold now that I am a non-resident alien?

I worked in the US in 2009 and was granted an Employee Stock Purchase Plan (ESPP), which I exercised. Then later I left the US and sold the stock, which is a qualified disposition. Now I am going to ...
2
votes
5answers
529 views

Can dividends be exploited?

Apple announced a dividend of $2.65/share on August 16th. I was thinking... could somebody buy, say 1,000 shares of Apple, receive the dividend, and then sell the shares right back? http://www....
0
votes
1answer
717 views

Evidence for/against negative correlation between commodity futures, stocks

I've heard that stocks and futures are negatively correlated over the medium term - e.g. that if stocks experience a brief rise, futures tend to fall, and vice versa, but they move together in the ...
3
votes
2answers
333 views

In a bond, what is the current yield?

What is a current yield and does it matter if you're holding a bond until maturity?
4
votes
2answers
140 views

Recurring Electronic Personal Payment Service?

Is there a service available that allows automated recurring payments for personal transactions? I have used paypal for one time transfers to friends, but would like to be able to set up a weekly or ...
3
votes
3answers
6k views

Why would this FHA refinance cause my mortgage insurance payment to increase so much?

I have a 30-year fixed loan at 5.25%, of which I still owe $184,000. Current payment is $1463/month including PMI, escrow, taxes, etc... and I've been in this loan for 2 1/2 years. Current appraised ...
3
votes
2answers
268 views

How are gains in an IRA taxed vs a Roth IRA?

If I have $10k in an IRA, trade stocks with it until my retirement it accumulates (with no additional contributions) to $100k and withdraw it, how are the $90k gains taxed? How does this differ from a ...
6
votes
4answers
1k views

What are the advantages of using credit card to pay most of expenses?

If I will pay most of my expenses via credit card, then is it correct to assume the following points? 1) My saving account interest rate will increase by somewhat (interest is calculated upon ...
3
votes
2answers
232 views

What kind of trade is this?

For the purposes of this question, I own 100 shares of XYZ at $100.00 a share. I'm just now getting into order types in my research ... I know in some cases I can utilize "one order cancels the other"...
3
votes
1answer
270 views

Are Previous Home Owners Eligible to be Defined As First Time Home Buyers?

According to the U.S. Department of Housing and Urban Development (see link), it seems that previous home owners who haven't owned a home for over 3 years can be defined at as a "first time home buyer"...
2
votes
1answer
781 views

Filing federal taxes for C-corp with no income

I started a startup in November, established as a C corporation. We made a single payment to a lawyer to have him file the papers and write the bylaws (payment was from my personal account). We didn't ...
2
votes
2answers
3k views

Is there a way to immediately see credit card transactions in a mobile app?

The Simple app immediately shows transactions as they are made. I'd love to have this for my credit card too. I think I can get 80% of what I want with Mint. What other options are there? Are there ...
0
votes
1answer
78 views

How will a company restructuring itself into a REIT impact me as a shareholder?

One of the stocks I own is considering changing into an REIT. The company normally does government consulting and construction. Any thoughts on the pros/cons of it? I know that this decreases their ...
2
votes
3answers
2k views

Are IRAs condusive to short term trading?

Since IRAs are only taxed when you take the money out when you retire, are the normal tax implications of short term trading non-existent? Thereby making it extra beneficial to do your short term ...
2
votes
2answers
13k views

FHA Loan - Less than 2 years employment history

Background: I & the wife are looking to buy a house priced at $250k via an FHA loan. One of the requirements for the loan is that we have a 2 year continuous employment. I have a 1 year gap in ...
8
votes
1answer
314 views

Smart Investments With No Risk

I have a chunk of money, around $20,000. I don't want to touch it until I am ready to buy a house, which could be anytime within the next 2-5 years. What would be the smartest way to make some money ...
4
votes
3answers
3k views

How do collection agencies work

I wanted to understand how companies decide to send accounts of customers to collections and then, how the collection agencies settle. My understanding was that in any company, that has receivables, ...
5
votes
1answer
856 views

How do I compare contract hourly rates with permanent/employed yearly rates, (in UK)

I am thinking of contracting, but do not know how to compare contract (inside and outside IR35) with permanent rates, within the United Kingdom (specifically England). So far I have considered: That ...
2
votes
1answer
837 views

Any smart way to get the interest down on our student loans?

Trying to figure this out. I have a student loan $24,000 at 6.55% with Nelnet, and my wife has $48,000 at 5.2% with Mohelo. We have a home worth $220,000 with $40k in equity, and the rest at $180k at ...
2
votes
2answers
250 views

Have 20% equity in house, but bank requires a principal payment for refinance

We are trying to refinance our mortgage. The mortgage has a balance of $123000. Our house was appraised at $266000. If we did the math correctly, we have $53200 in equity which gives us ...
0
votes
1answer
393 views

What are the requirements for setting up a solo 401k?

I'm leaving a job that has a 401k for a startup that has no 401k. I can switch to using a traditional IRA but the max contribution per year is 5K, so that would cut my tax-deffered savings per year ...
2
votes
2answers
189 views

Buying silver in China

Here in China, the national bank allows one to buy silver on something called RMB/SLV market. I'm given a bid and ask: at the moment both are around 5.7 RMB. I'd like to buy some silver, but I don't ...
2
votes
1answer
729 views

What kind of account should we open for a young child who was given some money?

My son, who is 7 months old, inherited a little bit of money (in the range of $10K - $20K). What's the best type of account that we should open for him? The money wasn't given as "college" money, so ...
5
votes
3answers
2k views

The spread goes to the market maker, is the market maker the exchange?

I understand that the bid-ask spread is the difference between the price a buyer is willing to pay and the price a seller is willing to take for an asset. I also understand that this difference goes ...
3
votes
2answers
624 views

How are minimum payments calculated for auto loans, education loans, etc.

I'm working on a calculator and I have a good handle on Mortgages (amortization) and Credit Cards (daily average, apr, multiply between 3-5%), but I'm not sure how to calculate minimum payments for ...
0
votes
2answers
692 views

Is it possible to create a self-managed superannuation fund to act as a mortage offset? (Australia)

I have forced investments via Australia's mandatory superannuation scheme. The value of this is about half the value of the remaining mortgage debt on my own home. If I had access to this money, I ...
5
votes
3answers
13k views

What is the equation for an inflation adjusted annuity held in perpetuity?

What is the equation relating an initial investment, a fixed rate of return, an inflation rate, and a perpetual payment adjusted for that inflation rate?
24
votes
1answer
3k views

Will the popularity of index funds cause a pricing bubble in the stocks that make up an index?

I can't help but notice the popularity of index mutual funds over actively managed funds. I think all the arguments are sound, but I have one worry: Index funds are run by buying the stocks listed in ...
1
vote
5answers
2k views

What is an ideal number of stock positions that I should have in my portfolio?

Is there a certain number of stock positions that one should keep in a portfolio? For example what makes more sense ? Option 1: $10,000 spread among 5 solid stocks, if you find new stock then remove ...
0
votes
1answer
343 views

83(b) and long term capital gain

I have been in company A for ~10 months and I have been granted X amount of ISOs (Incentive Stock Options). Though, none of those ISOs have vested yet. Now company B just bought company A (deal is ...
11
votes
3answers
3k views

What happens to 401(k) money that isn't used by the time the account holder dies?

What happens to un-withdrawn 401(k) funds upon the death of the account holder? Can they be transferred to an heir? What are the tax implications (if any) of this?

15 30 50 per page
1
530 531
532
533 534
609