All Questions
38,367
questions
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20
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What is the meaning of 'Repayment Credit' in banking
I had a FD in an Indian Bank. I told the bank to close my FD. While previously, whenever I closed my FD, my bank statement showed the transaction remark as Closure Proceeds but on this transaction, it ...
- 9
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votes
1
answer
49
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What is a "rolling balance"? (UK PSD2)
In the context of banking regulations (specifically the Payment Services Directive), what is a "rolling balance"?
In April 2023, the Financial Conduct Authority (FCA) released a document ...
- 216
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0
answers
18
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What is the correct way to calculate money factor for a lease?
I am trying to figure out the correct way to calculate the money factor for a lease that I'm considering at this time.
A few sources have indicated the correct way being as follows:
MF = LC / [(CC+RV)*...
- 518
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votes
0
answers
31
views
Option Volatility and Pricing : value of a stock option will also depend on whether a trader has a long or short stock position
Book: Option Volatility and Pricing
Chapter: Risk Measurement I
Topic: Change in interest rates can affect options
The value of a stock option will also depend on whether a trader has a long or short ...
0
votes
1
answer
95
views
Forming an LLC to reduce personal income
I'm working as a contractor for a couple people though I haven't formally formed my own business yet.
Is it possible to reduce my personal income tax while having the money go to the business?
Ex: I ...
- 101
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votes
1
answer
58
views
How does a stock's order book determine which trades to execute first?
Let's say for a hypothetical stock "S", the current bid and ask prices are $9.00 and $11.00 respectively. To my understanding, these prices are at the top of the order book and represent the ...
4
votes
0
answers
59
views
What happens when a public company fails to file their quarterly earnings reports?
I'm not a very experienced investor, but I recently came across some publicly traded stocks, such as FTCH and NEGG, that have both failed to file their quarterly earnings reports. FTCH for a single ...
- 1,420
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votes
1
answer
65
views
How do I report Interest on tax refund from India?
I live in the US. In 2022 I claimed foreign tax credit for the taxes I paid in India. In 2023 I received a tax refund from India with interest added and TDS on the interest deducted. How do I report ...
- 169
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votes
2
answers
106
views
How is 401k basis calculated? (Warning, wrong question.)
Normally if you sell one equity and buy another with that money, any gains or losses are reflected in your taxes at the time you do that rebalancing and you have a new cost basis on the new investment....
- 43k
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0
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43
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Can NJ's rebate program for electric vehicles be resumed just by the governor's direction?
NJ has a program which provides a substantial rebate on the purchase or lease of an electric vehicle. In addition, NJ doesn't charge sales tax on EV. Couple that with the federal rebate and EVs are ...
- 518
2
votes
1
answer
64
views
Difference in the Capital gain due to exchange rates
I am a US citizen. I inherited a property in India in 2018 and sold it in 2023 with no gain/loss in Indian currency.
But when I convert the cost and the sale price to US dollars, I get a loss because ...
- 169
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votes
0
answers
116
views
Unauthorized withdrawal of money from my savings account by Bank
I have a Savings Account in a Bank. The bank withdrew money (₹ 1,75,000/-) from my savings account by account without any authorization (no check, no withdrawal slip, or anything of the kind). My bank ...
- 9
0
votes
2
answers
152
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Suggestion to recover from a bad naked call
I sold a Jan 2026 CRWD $140 Call, and now the price skyrocket to 235 (I know, bad move)
How do one usually get out of this situation?
Many thanks.
- 3
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votes
0
answers
28
views
Choosing government bonds of similar maturity to hold to maturity, shall I just go for the highest YTM one
I wanted to buy some government bonds of roughly 3yrs to maturity and planned to hold it to maturity. My bank's app showed 3 bonds of that maturity but one is 0.1 percentage points higher in YTM.
Is ...
- 214
1
vote
1
answer
60
views
Can I deduct costs associated with rental improvements?
I have a back ADU (accessory dwelling unit) at my home in Portland Oregon that I rent out. I live in the main house and the ADU is a totally separate 800 square foot house with a separate address but ...
- 31
2
votes
1
answer
64
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What is China's version of SEC/Edgar?
I use this page in the SEC (SEC Edgar Company Search) to search for annual reports (10-Ks) for companies in the US.
What is the equivalent url that I would go to search for Chinese companies? For ...
- 513
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0
answers
64
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A person is under foreclosure now files title 11 but resides in another property [closed]
A person is under foreclosure. He now moves to another property. He then files a title 11 bankruptcy. He is able to stop the foreclosure case of the original property with the bankruptcy he filed. ...
- 99
0
votes
2
answers
75
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Types of options trading and which is more popular
For the average retail options trader do most buy options in the hopes of exercising it or do most buy options , resell and profit of the net of the premiums by doing so, much like buying and ...
- 39
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votes
2
answers
76
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Hedging with options
Online when I see people talk about using options to hedge, they always seem to talk about it in the put options sense.
For example you buy a stock expecting it go up, but then just to be safe you buy ...
- 39
0
votes
2
answers
1k
views
Have companies gone bankcrupt shortly after their stock going up?
Recently, Spotify, while doing 70M profit for Q3, laid off 1500 people, which could approximately double those profits (those people would have cost around 280M a year). This had their stock close up ...
- 117
1
vote
1
answer
85
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account activate plus stamp duty charge, is this a legit fee for bank transfers
A online bank account was set up for with a bank called cornerstone bank I was told before I could transfer any money or have access to the account that I needed to pay a fee called account activate ...
0
votes
1
answer
37
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Why are these bond portfolio prices equal (case study on 2012 Greek debt restructuring)?
Consider the following case study from Berk and DeMarzo's Corporate Finance.
My question is about the first sentence in the last paragraph:
Assume that participation in the swap was voluntary (as ...
- 111
1
vote
1
answer
43
views
Generic FV of PV Formula with equal inflation and savings rate
I’m trying to arrive at a formula that allows me to determine the future value of a present savings amount (P), given the following:
Period (p): e.g., Annual (p=1), Semiannual (p=2), Quarterly (p=4), ...
- 11
1
vote
0
answers
75
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Is this a viable strategy for avoiding the pro-rata rule for backdoor Roth while maintaining the superior investment options in my non-Roth IRA?
Assume that my 401(k) supports both reverse rollover from IRA and in-service rollover to an IRA. I am doing a backdoor Roth, and want to avoid the pro-rata rule. The general way to do this is to ...
- 230
1
vote
2
answers
81
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Why does NPV correspond to "cash in our pockets now" for risky investments?
For a positive NPV project with risk free cash flows and assuming access to a competitive money market, it is trivial to show (by appropriately borrowing or lending at the risk-free rate) that the ...
- 111
1
vote
1
answer
50
views
why do people say implied volatility is a better predictor of stock price than the actual stock price?
why do people say implied volatility is a better predictor of stock price than the actual stock price changes itself (ie historical data etc), even though implied volatility comes from the options ...
- 39
5
votes
1
answer
249
views
Canada/Ontario Principal residence exemption
I bought my house in 2013 and have been renting it to present time. I never lived in it. I am thinking of starting to live in the house in 2025 and 2026 and then sell it in 2027. What do I have to do ...
- 71
1
vote
1
answer
42
views
Question about offsetting options contracts
How exactly does offsetting an options contract work , for example if we're to go long on a call or put position in order to offset it i would need to short a call or put position, this eventually ...
- 39
2
votes
1
answer
108
views
The last 3 digits swift code entered wrong branch. I asked to recall the international transfer. Where is my money could be?
24 Nov 2023:
I send £9000+ from the HSBC UK to Cathay United Bank Taiwan. The money arrived to intermediary bank (CITI BANK UK) soon. And the HSBC app tracker shown the transfer is in progress for 5 ...
1
vote
1
answer
91
views
LMS Code for making international transfer
I have been asked to make advance payment of 85 usd for LMS code inorder to make international wire transfer. Why are they not deducting. Could this be a scam attempt by the bank.
The bank is ...
- 11
3
votes
1
answer
109
views
How to top-up my PayPal account balance above my bank account's daily limit?
I need to pay 3000 € at IKEA's e-shop*, but my bank account including its credit and debit cards allows only 1000 € per day at maximum user config for the account**. As the only payment option offered,...
- 131
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0
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31
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Do any Belgian banks offer "virtual" accounts/cards/investment systems/funds where I can put aside money for purchase budgeting?
In order to be fiscally responsible, I would like to put aside a number of small distinct amounts of my monthly salary for specific types of purchases. For example, currently I do my PC games ...
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0
answers
50
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What happens to your Costco home insurance if your Costco membership lapse? [duplicate]
If you bought a home insurance through costco but then you don't renew your costco membership, what will happen to your home insurance? Does the insurance premium go up?
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1
vote
1
answer
110
views
What happens to your Costco home insurance if your Costco membership lapse?
If you bought a home insurance through costco but then you don't renew your costco membership, what will happen to your home insurance? Does the insurance premium go up?
- 177
1
vote
1
answer
172
views
Which Debt shall I pay first?
I have 2 debts
the first is my mortgage ($600,000) on 3.3% interest rate
and the other is my study loan ($60,000) on 7.0% interest rate
I made savings of $30,000 I want to use to pay my debts
Which ...
- 123
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votes
1
answer
47
views
Can you effectively reduce the cost of a long call on an index with a synthetic long and married put (e.g. replicate an XSP call using SPX options)?
Imagine you want to use periodic cashflows to purchase deep-in-the-money LEAPS (>1yr expiration calls) on SPX, but the size of the cashflows are too small to do so consistently (the cost of such a ...
- 103
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votes
1
answer
57
views
How do I get over-withheld tax from 2017-2022 back as an non-resident alien?
I’ve worked as a freelancer from Europe with an American art agency for years and still get some royalties.
In 2017 they suddenly changed the tax withholding from 0% to 10% this was not correct but I ...
- 1
0
votes
1
answer
55
views
Loan: calculate number of monthly payments with fixed annual interest, fixed montly payment, and 1 additional payment per year
The situation is the following. Consider a loan of 430,000 units (dollars or whatever).
The client will pay 10,000 units per month.
The client will pay an additional 70,000 units every 12th month of ...
- 111
5
votes
3
answers
911
views
Would funding a Fidelity HSA from a bank account instead of direct deposit incur extra taxes?
While opening a Health Savings Account with Fidelity, I was asked whether I wanted to add money to my account by either linking a bank account or directly depositing my paycheck. My understanding was ...
- 300
1
vote
1
answer
32
views
RSUs: Can the cost basis for sell-to-cover transactions be calculated using FIFO, or does it have to be LIFO?
My RSU vesting happens with an associated sell-to-cover transaction for tax purposes.
The page on my brokerage (E-Trade)'s website shows the cost-basis for this transaction as though it was calculated ...
1
vote
0
answers
73
views
How can I obtain a tax exemption certificate for a sign company that is located outside of the united states?
How can I obtain a tax exemption certificate for a sign company that is located outside of the united states. I have been purchasing machines for my print shop and they are being delivered directly to ...
user126383
-1
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0
answers
137
views
Gofundme prospective donor scam [closed]
I started a gofundme campaign and shared it on social media. I was contacted by several people wanting to market my campaign for a fee. I declined. That is not the issue. The issue is several people ...
0
votes
0
answers
120
views
What are some ways to be “fair” to multiple children with respect to college expenses? [closed]
I have three children and am heading into the college years. I would like to treat them equally when it comes to providing for college education, but I can't define “equally” to my own satisfaction. I ...
- 401
-2
votes
1
answer
63
views
Where do I find Post Money Valuations of Private Companies? [closed]
Where do I find Post Money Valuations of Private Companies?
Ideally a free website, but paid ones would be fine too.
Sometimes Crunchbase has them and sometimes they don't. For example, what is ...
- 513
1
vote
1
answer
276
views
Are "play games get cash" apps like Mistplay legitimate?
Lately, I see a whole bunch of apps which basically all have a theme of "play mobile games, and get free money by doing so". I think the most widely advertised is Mistplay.
At first glance, ...
- 640
1
vote
1
answer
80
views
Do Transaction Fees Count Towards Roth IRA Contribution Limit?
I'm using Interactive Brokers. I noticed that IBKR charges a transaction fee for the purchase of some funds. Does that transaction fee count toward the Roth IRA contribution limit?
1
vote
2
answers
39
views
NPV in trade projects
The question must be very simple but I'm still struggling.
Let's suppose that I have an import-export business. Then I have a discounted CF which is formed by subtracting all costs & taxes from ...
- 11
1
vote
0
answers
19
views
IBKR T&S FINRA on exchange
I've opened the T&S table in IBKR and I've seen in the "Exchange" column a lot of entries with the name "FINRA". I've googled what it is and it stands for Financial Industry ...
- 123
18
votes
4
answers
5k
views
What happens to non-cooperative shareholders when a company goes private?
I own a few shares in some large publicly-traded US company. This company gets acquired and "goes private". Am I required to give up my shares in the acquisition? What if, for whatever ...
- 453
2
votes
2
answers
277
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Co-signer or Buyer that is the question [duplicate]
My stepmother asked me to co-sign on a brand new car. I did it because I felt obligated.
When we got to the dealership they said her credit was so messed up to get the car I had to be the primary and ...