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8 views

What's the purpose of mileage verification in auto insurance?

I believe it's every year that my auto insurance company has me fill out one of these "mileage verification" letters to submit the mileage of my vehicle that they hold an insurance policy with. What ...
0
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0answers
23 views

What are the specific vulnerabilities of large-index tracking ETFs to sudden market moves such as crashes?

For instance, are tracking errors likely to increase during a financial/market crash and thus pose a risk to ETF investors who count on effective replication of the underlying index at all times ?
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0answers
19 views

If a personal loan was made in one state, and they now live in a different state, and you live in another state, which state do you file?

I loaned a friend money. He then vanished. 18 years later I found him. He lives in a different state then where the loan was made. I also live in a different state. I know there are time limits, but ...
0
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0answers
5 views

Can't file 1098-T electronically on Turbotax or Credit Karma

Historically, I've been able to claim the American Opportunity Credit that would give a surplus refund of $1000 to help with school while being a full time student and not working
1
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2answers
32 views

Are index fund expense ratios “priced in”?

I'm coming from a Robinhood "day trading" mentality, so I'm used to public advantages being "priced in", more or less. It seems like many people pick index funds based on their expense ratio. I would ...
3
votes
1answer
26 views

Is it okay to write “non-resident” for non-resident alien spouse's SSN?

I live outside the US with my non-resident alien spouse. I want to file as married filing separately. However, in online tax preparation software, it always forces me to enter an ITIN or SSN for my ...
0
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1answer
9 views

F-1 to H-1B Tax Filing Status - 5 Calendar Years?

I came to the US to study on an F-1 visa in August 2014 and graduated in May 2018. Since then, I have been working on an F-1 OPT visa. In 2019, I applied and received my H1B visa - specifically, my I-...
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0answers
15 views

Income-Tax and Side-Hustle Providing Internet Related Services

I'm looking at starting a side hustle that provides solely software related services. Like web-hosting, app development, etc. In the near future, I'm not looking for any sizable profit (or any for ...
0
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1answer
5 views

How can one use one's old FBAR form data to populate a new FBAR form?

How can one use one's old FBAR form data to populate a new FBAR form (Report of Foreign Bank and Financial Accounts (FBAR) on FinCEN Form 114)? I tried exporting/reimporting the form data between ...
0
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1answer
32 views

Why are ABT and VIIX negatively correlated

I did some research on ABT. I ran a correlation across thousands of assets compared to ABT and found that ABT and VIIX had a correlation between -.53 and -.58 depending on the source. ABT makes ...
1
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2answers
52 views

Other means of paying property taxes

Probably my question is related to one of my previous ones, but it is most likely not the same. If a foreigner who doesn't live in the US as main residence and therefore doesn't have tax residence ...
0
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0answers
73 views

Any tricks/hacks for exorbitant daycare costs?

The $5000 FSA limit is a joke given the daycare costs in our area. Is there any way to use more pre-tax money to pay for daycare ? Daycare is by far our biggest expense for the year. Any advice to ...
6
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3answers
2k views

My (buyer's) agent is the seller's agent for the house I want

My wife and I have been looking for houses for a few months through an agent who was recommended by a friend. We've mostly found houses by ourselves and Zillow and had him organize walk-throughs, ...
0
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1answer
81 views

Open Money Transfer card in my name for family member's debt

My sister and brother in law have a single joint bank account with an arranged overdraft of £3,000 and they are, for all intents and purposes, maxed out on it. This means they are incurring charges of ...
1
vote
2answers
65 views

UK - letting agency / landlord responsibility to provide documentation for a heating system

This question is based on renting a property via a letting agent in the United Kingdom. I am renting a small flat as I've sold one house and am considering my options before purchasing another. I ...
0
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0answers
40 views

How to start learning accounting on my own? [closed]

Could anyone suggest good books or lecture notes to learn accounting? My background is mathematician and I studied computer science. Now a work practice in higher education institution asked to ...
0
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0answers
15 views

How long must an insurer retain records of opt-outs for, in Canada? [closed]

Sister studied at a university in ON, Canada, and opted out of their student union's health insurance. The insurer replied that they closed the account and can't access any record of opt-outs. How ...
1
vote
1answer
94 views

Why isn't the highest savings account interest rate in Canada matched by other Deposit Institutions?

I screen shot this website. I'm assuming these Deposit Institutions ("DI") are almost perfectly competitive, because CDIC covers them all to $100 K, and transferring money between banks (cheques or ...
0
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0answers
16 views

How does ASEQ Studentcare work as “plan administrator” to insure Canadian students? [closed]

Their website advertises that they cover Canada's top unis like UBC, Mcgill, UT, Queens. Our Role Defining “Plan administrator” Your student Plan helps cover the cost of important health-...
0
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1answer
43 views

Does the concept of “Swap Point” exist in Forex trading in the UK?

I've just started learning about forex trading. Forex brokers in Japan offer a system called "Swap Point". In my understanding, this value is determined based on the difference between the interest ...
0
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3answers
205 views

Why do some savings accounts have a maximum balance?

Example: https://www.hustlermoneyblog.com/hsbc-direct-savings-review/ (mirror): Maximum Balance: $2,000,000
0
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1answer
62 views

PayPal Donate button - Issues [closed]

I'm trying to implement and test the Donate Button by PayPal, and I've faced the issues with it. I'm having a Personal account as a person, not as a non-profit organization. Everything seems like ...
0
votes
1answer
51 views

PayPal Donate Button - Fees [closed]

I want to accept donations as a person, not as a non-profit organization, using a Personal account. I've found that there is a Donate button but couldn't find any of the taxes and fees info. Is there ...
2
votes
0answers
49 views

How does an ETF that tracks a foreign stock index work? - Potential arbitrage opportunities because of time-zone? [duplicate]

Suppose I live in the US and want to buy an ETF share traded in the US. I would already know how Chinese stock market performed by the time the US market is open because of the 12-hour difference. ...
1
vote
1answer
82 views

Why does my routing number (IBAN) come up as invalid

I am trying to wire funds and my routing number to Citibank, which is 122401710 in Las Vegas Nevada, is coming up invalid IBAN when I go to wire funds. When I called Citibank they told me that I ...
0
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0answers
20 views

What are the different compensation schemes available for trading performance

In the past year we've worked on automated trading bots. We now have a working solution that has been working consistently well in a live situation for months. The trading is purely on crypto-...
0
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2answers
69 views

Why can’t I seem to purchase this option?

I’m using Robinhood, and I’m new to options trading. A co-worker is teaching me about options trading, and recommended I start with cheaper long term options to learn with since I’ll lose less money ...
1
vote
1answer
62 views

Consequences with liquidity issues for an index fund or ETF?

In the media in recent months, there were mentions of liquidity risk of index funds and ETFs (sparked by some statements by Michael Burry). My question is if there is a mass sell off by the public of ...
-2
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2answers
159 views

If someone deposits money into your account for you to keep can they cause you more money problems off of that or steal more than money from it?

I met this girl online. We hit it off quick, and we want to meet later. Her story is a little weird, but some of it could be true. Anyway she wanted me to get an account so her dad could send her ...
1
vote
1answer
44 views

TurboTax had me file for a 1040 instead of a 1040NR. Is there a way I can change this?

It's my first time filing for a US tax return. I used TurboTax, filled up all the necessary information, and I got the result showing a form 1040, which means I got zero amount. I am from the ...
1
vote
3answers
39 views

Price difference between Acc and Dist ETFs

There can be huge differences between the prices of the accumulating and distributing versions of ETFs following the same index. For instance, as of 17 Jan 2020, the NAV of the accumulating version ...
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0answers
25 views

What is study material about solvencyⅡ [closed]

Because of change of my department,now I need to study solvencyⅡ. I can find some materials.. but I would like to study following order. First step: I would like to know Overall view. Second step: ...
0
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0answers
12 views

Confusion on CRISIL Rating

Which is better CRISIL 5 or CRISIL 1. Problem arises when PAYTM MONEY shows under top rated funds with CRISIL 5...but CRISIL rates funds 1 to 5, 1 being the best performer. I am confused?
0
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2answers
129 views

S&P 500 only returns 1.26% (after UK inflation)… am I wrong?

I invest in the S&P 500 from the UK. I am trying to calculate what my investment pot will be in 25 years, adjusting for inflation. Unfortunately, my calculations point me towards an abysmal ...
0
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1answer
26 views

how to calculate profit of call option

I am trying to calculate the point at which exercising a call option would be profitable. I am looking at a call option for AAPL. The strike price is $320 and expires March 18th 2020. The price for ...
0
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0answers
21 views

Does the annual percentage yield (APY) take into account the expense ratio? [duplicate]

For example, the APY of SPAXX (Fidelity® Government Money Market Fund) is currently 1.84 for the past year whereas the expense ratio is 0.42%. Does that mean that the pre-tax yield is 1.84% or 1.84%-...
1
vote
1answer
58 views

Head of houshold: Domestic partner, and child, with joint checking

I am living with my domestic partner and our child, and she contributes about twice what I do into our joint checking account from which all bills are paid. Can she file as head of household? I think ...
1
vote
1answer
48 views

What's the meaning of “The agent quotes the bid price …”?

I'm studying an article about High-frequency trading. I'm very new at financial market so maybe my question is very simple. In the article writers said "The agent quotes the bid price...". What's ...
1
vote
1answer
47 views

Why does a short-term certificate of deposit (CD) have a significantly smaller annual percentage yield (APY) than a saving accounts in some banks? [duplicate]

I see on Ally Financial's website that a 3-month certificate of deposit (CD) has an annual percentage yield (APY) of 0.75% whereas the saving account has an APY of 1.60%. This surprises me because I ...
2
votes
1answer
61 views

How to tell the IRS about Roth IRA gains on early withdrawal?

I had to give some of my Roth IRA to my ex-wife, and didn't do it in the wisest manner. How now do I tell the IRS that only about $80 of the $3,570 that I sent to her are taxable and penalizable ...
0
votes
1answer
25 views

What is the possibility of an ITM covered call not being assigned?

I wrote 70, 1/17/20 Apple covered calls at $240. Apple went to $310. It is 1/18 and the calls have expired but I still have my stock. Why?
-1
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2answers
53 views

What to check in the Quarterly Financials to know the future price movement?

The following is the quarterly financials for AAPL. What financial result in the list can indicate the strength of the company and it is rightly valued? Does the stock price normally adjusts to the ...
2
votes
1answer
47 views

Buying and Selling options for the same stock multiple times in a day?

Is it normal that traders buy and sell options of the same stock on the same day multiple times? For example, in an event of a positive earnings release, the CALL options were bought and then sold it ...
0
votes
1answer
25 views

Do exchanges or brokers control bulk trade activities?

The following is the chart for AAPL for 1/17/2020. There were two dips before 1:15 PM and at 1:15 PM, the stock went up to close higher. I speculate that the reason behind the surge is the news that ...
0
votes
1answer
38 views

What's the wrong with the Yahoo chart showing the wrong price at different times?

The following are the charts from Google and Yahoo Finance for the AAPL stock. A few questions regarding the chart and the prices: The Google chart shows the price of 316.49 at 9:30 AM while Yahoo ...
0
votes
2answers
41 views

How do I bookkeep an Ecommerce website?

I have a multi vendor e-commerce website where I sell goods from 3rd party vendors. When an item is sold on my website, the money is stored in my bank account. Monthly, I transfer money earned to the ...
-3
votes
0answers
61 views

Past due on an account that i do not have, synchrony paypal

Keep getting auto calls, messages and now a letter from paypal credit c/o synchrony bank. They say i have a past due balance. I do not even have an account! What should i do?
0
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2answers
141 views

Most surefire way to keep yourself from using a credit card

I have gotten myself into trouble with credit card debt, $XX,XXXX. Never been very good with money, three cards decided to hand me stupid limits and now they're all maxed. The only upside is I'm ...
0
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0answers
70 views

Why do some monthly bond ETFs have no dividend in January?

For example, the following bond ETFs have monthly dividends except in January: 1) https://www.nasdaq.com/market-activity/funds-and-etfs/vteb/dividend-history: ------------...
2
votes
1answer
36 views

Russian taxes with dual citizenship

I'm a minor (17) who is considering using my birthright to be recognized as a Russian citizen, as my mother is one. If I apply as a minor this late, will I have to worry about taxes if I reside in the ...

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