All Questions
38,055
questions
0
votes
0
answers
14
views
Can a French plan épargne logement (PEL) be used to purchase a property located outside France?
I wonder the following: can a French plan épargne logement (PEL) be used to purchase a property located outside France?
https://www.service-public.fr/particuliers/vosdroits/F16140 does not indicate ...
- 11.2k
1
vote
0
answers
25
views
What is "IB Symbol" in Interactive Brokers?
What is "IB Symbol" in Interactive Brokers? Why is it sometimes different from the "Symbol"?
For example, in Xetra exchange, the iShares Core MSCI EM IMI UCITS ETF has Symbol IS3N, ...
- 151
1
vote
2
answers
61
views
If I receive goods as a form of compensation, can I sell those goods without being double taxed on them?
I recently got invited to participate in a program which sends people consumer products free-of-charge in exchange for a detailed, unbiased review of the products in question.
When enrolling in the ...
- 111
0
votes
1
answer
51
views
Deceased credit report. Any recommendations?
One day, my wife decided to check her credit report out of curiosity. To her shock, she discovered that one of the major credit bureaus had mistakenly marked her as "deceased." It was a ...
Score Cred10
2
votes
1
answer
20
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Money-Weighted Returns calculation clarification
I found out this is the calculation for the Money-Weighted Returns.
From what I understand, PVO can also be seen as "Present Value of the portfolio".
If this is the case, doesn't the right-...
- 121
3
votes
2
answers
745
views
Does a company have to have your login information to verify your identity
A loan company said they needed my logins to my account an has got a couple closed an also logged into my id.me an got it locked do they need my username and password an said he needed another cause ...
- 31
0
votes
3
answers
120
views
Is it legal for a credit union to debit an account based on the ACH Label, when a different account number was given?
My main credit union (Credit Union A) recently upgraded their ACH software. I have a car loan with Credit Union B.
Every month for over a year, the car loan payment has debited from my savings ...
- 357
1
vote
1
answer
25
views
Tbill Rollover Interest
I am buying 52 week t-bills with one rollover through Treasury Direct. Being OID interest based, when I reinvest, will I be investing the full maturity t-bill value in my reinvested t-bill or will I ...
-2
votes
1
answer
35
views
Tax character proportions in US partnership distributions
Bob and Alice form a partnership in the US. Bob is a US citizen. Alice is an Italian citizen residing in Algeria; in the US she pays no capital gains tax, but is taxed higher than Bob on dividends.
...
- 107
0
votes
0
answers
24
views
Is IBIS2 the same exchange as AEB in Interactive Brokers?
I am trying to buy some SPDR MSCI World UCITS ETF in Interactive Brokers. Its ISIN is IE00BFY0GT14.
When I search this ISIN in Interactive Brokers, I see in the search results that I can buy it from ...
- 151
-2
votes
0
answers
60
views
How is it possible in some payment applications to pay without logging in (via internet or sms)?
https://business.paytm.com/support/can-my-customer-pay-without-login-into-paytm-app-if-not-using-indian-mobile-no
There are some indian apps and nepali apps that allow to pay without loggin in:
via ...
- 91
5
votes
0
answers
50
views
I inherited a Roth IRA less than 5 years after a conversion, can I wait then take qualified distributions?
I inherited a Roth IRA from a parent. I am a designated beneficiary but not an eligible designated beneficiary.
IRS Publication 590-B for 2022, Distributions that aren't qualified distributions, ...
- 181
-3
votes
0
answers
123
views
How to make sure your algorithmic trade bot is reliable? [closed]
I've prepared an AI-based trade bot. I measure its performance using historical stock data from Yahoo Finance. However, I see return rates that I cannot rely on (e.g. on average 82% annual return in ...
- 1
1
vote
2
answers
167
views
For this I-bond calculation there's a tiny adjustment to the rate (fixed rate x semiannual inflation rate) it barely changes the rate.Why is it there?
From https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/#cerates
Composite rate formula: [Fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation ...
- 111
-4
votes
2
answers
93
views
Why is there a need of thirdparty gateway while transferring money from one bank to another?
As per this, there is always a middleman for transferring fund between two banks.
Why can't there be a direct communication between two banks? What problems would be arouse if there was direct ...
- 91
-1
votes
1
answer
212
views
If my company is going to be acquired for $50m, how can I avoid high taxes? [closed]
Let’s say for example I have a company that is going to be acquired for $50m and I own half it as a cofounder.
How can I avoid a large tax hit?
I know someone who received $25m from an acquisition and ...
0
votes
0
answers
59
views
Foreign student with unpaid taxes returning to the US - What are the risks?
In 2001 I was a foreign student from Haiti, I Studied in the States and my tuition was paid for by my grandfather, so I didn't apply for financial aid and no student loans.
After graduation I worked ...
- 1
0
votes
0
answers
61
views
Is there a formal distinction / definition of a “credit” vs a “refund”?
I’m working with an event organizer where they collect payments in advance for the event. The policies for the event host state that “any refunds due to attendees must be issued within 30 days”.
...
- 224
-1
votes
0
answers
49
views
ETF Authorized Participants and the taxes they pay when they sell low cost basis securities on the market
It is known that:
When the price of an ETF is lower than its NAV (i.e. Net Asset Value, the value of underlying securities, per ETF share), the Authorized Participants essentially buy ETF shares from ...
- 49
0
votes
1
answer
40
views
401k Contributions Guidance for Two-Member LLC in a Community Property State
We established an LLC at the beginning of this year, with just two members – my spouse and myself. We reside in a community property state and file our taxes jointly as a married couple.
Throughout ...
- 111
0
votes
1
answer
211
views
Is Bitcoin taxable?
A few months age the SEC has regulated bitcoin as a commodity. Quick googling tells me than commodity wages are exempt from taxes and it looks like if a company can fully operate in bitcoin ...
- 109
17
votes
4
answers
6k
views
Somebody sent me a check to deposit into my account, but I now think that it's a scam. will I get in trouble?
I am homeless and have been for the last 8 months. Finding work has been difficult as I am physically and mentally handicapped.
This girl on Facebook who was friends with somebody I know hit me up and ...
0
votes
0
answers
44
views
GnuCash: How to assign a checking account from which a bill will be payed
Description
I'd like to properly account for purchases (e.g. on Amazon).
In most cases, when I purchase an item the merchant sends me the package and only after a couple of days credits my bank ...
1
vote
0
answers
11
views
Canada GST/HST credit eligibility depends on last year's or current year's income?
The GST/HST credit is a non-taxable amount paid four times a year to individuals and families with low and modest incomes to help offset the goods and services tax/harmonized sales tax (GST/HST) that ...
- 1,350
2
votes
1
answer
67
views
Determining eligibility for Social Security, without my own records
Thanks in part to this site, I have a pretty good idea of what calculations the Social Security Administration will make (quarters of coverage and all that) when determining whether I'm eligible for ...
- 125
0
votes
1
answer
21
views
Does Selling RSUs Instead Of ESPP Shares Have a Material Effect On The 25K Contribution Limit For ESPP Shares?
I am at a company with an ESPP program that allows you to purchase up to 25K in shares at a 15% discount every calendar year. The 15% discount applies to the lowest share price within the past 6 ...
- 635
0
votes
3
answers
130
views
Dollar cost averaging buy and sell can be chaotic when reporting tax?
I was thinking that with dollar cost averaging buy, we actually can do the same thing when we sell: just sell $100 per day, just like we were buying $100 per day.
However, won't that cause a total ...
- 859
1
vote
1
answer
70
views
If APY factors compounding (while APR doesn't), shouldn't APY always be higher than APR?
So, from what I understand:
APR: rate advertised to borrowers (without compounding)
APY: rate advertised to lenders (with compounding)
So, for a loan with APR of 6%, that compounds monthly:
APY = (...
-5
votes
3
answers
110
views
Why aren’t amortized loans outlawed and replaced with a more equitable model to the borrower?
I completely understand that banks are in the business of making money and capitalism prioritizes profit above all other values. However why aren’t laws enacted that would ban amortized loans and ...
- 1
1
vote
1
answer
66
views
Recently my mother died - how to handle her living trust account - Does the date of trust formation change?
A few months ago, my mother died. She had a living revocable trust which reported its income to the IRS under her social security number. When she died the trust became irrevocable and I went to the ...
- 1,420
-1
votes
0
answers
90
views
Why is anyone buying Japanese bonds given that yield less than 1%?
As per the best data I can find online, Japanese 10yo bonds have a yield of less than 1%, which is lower than yields for US and German bonds. Additionally the yen is experiencing rapid inflation at ...
- 5,786
6
votes
4
answers
2k
views
Online shopping: order date vs shipping date vs charge date
I’m not sure how long this pattern has been going on but I just noticed certain charges on my credit card statement do not match the order date for my online purchases, particularly with Amazon.com. ...
- 1,373
0
votes
1
answer
49
views
How to plot bollinger bands on a candle chart?
I'm studying some indicators and I'm struggling with how these tools plot the bollinger bands upper and lower bands. Every source that I've found says the bollinger bands are calculated as follows:
...
- 103
0
votes
0
answers
65
views
What does Ben Graham mean with this
In the Intelligent Investor graham says :
” investor should be able to count on the current 3.5% dividend return on his stocks and also an average annual appreciation of 4%. As we shall later explain ...
- 1
5
votes
6
answers
2k
views
How can I find out what % of the health insurance premium my employer pays?
Let's say I pay $600/month (deducted from my paycheck) for the premiums in my PPO plan. Is there a public place to check how much of the premium my employer pay (without needing to ask them of course)?...
- 301
1
vote
1
answer
239
views
Can the Zelle notes be enough of a written statement when returning a portion of the security deposit for Colorado Statute 38-12-103.?
Can the Zelle notes be enough of a written statement when returning a portion of the security deposit for Colorado Statute 38-12-103.
- 11
10
votes
1
answer
6k
views
Dropship scammer hasn't billed yet - what's going on here?
A family member recently fell for a scammy online merchant who was advertising nice-looking goods at reasonable price. They ordered about $150 US worth of merch, then shortly after the order had gone ...
-2
votes
0
answers
47
views
How to value an APP in category X to raise capital? [closed]
I have spent 2 years developing web and mobile APP for category X.
I need to find the historical data on other successful APPs in category X to know how much they were valued at a similar stage of ...
0
votes
3
answers
152
views
Does taking a 401k loan have the same effect as a hedge against a down market?
I have a 401k balance in the low six figures.
I maximize my contributions every year to the IRS max and my employer has a 6% match. This results in about ~$35k of new money going into my account every ...
- 774
-1
votes
0
answers
50
views
Old Share Certificates [closed]
I have found some share certificates of shares I inherited in 1998. I think the companies may now be defunct or taken over. One is Johnson Fry Utilities, and the other is Williams plc. In both ...
4
votes
2
answers
1k
views
What is the difference between regular dividend and special dividend?
One implies ordinary income tax while the other is taxed according to capital gains tax, but how would you convince the IRS that your dividend payment is a special one and should be taxed at capital ...
- 375
2
votes
0
answers
14
views
Do I need to merge EPF amount of different companies?
I'm from India. Everyone is saying that there should be only one EPF account, what does that mean? I have a single UAN number and since starting my professional career I have changed 2 employers and ...
- 121
3
votes
2
answers
258
views
What is facilitiy fee in islam
Ethio telecom offer credit to his customer with rate of facility fee repayed at fixed date and also fee with daily charge. Is there a diffrence between the two term mean facility fee(service charge) ...
2
votes
3
answers
374
views
How to cash out golden handcuff mortgage
Like lots of folks I locked in a low interest mortgage a couple of years ago. If I don’t move there’s no problem but if I want to move and sell the house I’m forgoing a large financial benefit.
Is ...
- 288
1
vote
0
answers
56
views
Taxes Related to CD with Primary and Secondary Account Holder
I visited a Bank of America branch and the representative told me that I can open a Certificate of Deposit account with them and have my mother, a nonresident alien, be the primary account holder ...
- 11
0
votes
1
answer
52
views
Par value less than annual dividend for preferred stocks?
Hey I am just skimming through the chapter 18 of the book intelligent investor by benjamin graham with commentary Jason Zweig. Pg:447 It basically compares Real Estate Investment Trust with Realty ...
0
votes
2
answers
112
views
How do I hedge against continued rate hikes for a mostly bond portifolio?
I now have around $150k invested in a few mutual funds, whose holdings are mostly international and and investment-grade corporate bond. Now those funds are down 15% since the federal rate hike and ...
- 109
2
votes
1
answer
196
views
What can I do if I found an old uncashed check?
I was cleaning out a desk and found an old uncashed paycheck from 2013 ! Here's the thing, the check is for a little over $1600.00
Is there anything I can do to redeem this check?
- 21
0
votes
0
answers
48
views
Form L-8, Death in New Jersey and a TOD account
Consider the following hypothetical case. A parent (living in New Jersey) dies, in 2023, leaving all his money to his daughter, who is over 21, in the state of New Jersey. His sole assets are two ...
- 1,420
-2
votes
1
answer
78
views
Is there a way to transfer money from a vanguard settlement account to wise.com
One can not link a bank account to ones vanguard account if their name isn't on the bank account. So is there any way to transfer money from a vanguard settlement cash account to wise.com?
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