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3k views

What is the formula for calculating the amount of money I end up with in a given period (salary and compounding effect)?

I'll give a concrete example (couldn't find a similar question): Let's say I have an amount of money M at time t = 0 (first month). Every month, I get a given amount (let's say constant) of R On my ...
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1answer
93 views

Home Ownership Entitlement [closed]

I need some advise please. Me and my girlfriend bought a house together. The cost of the property was R720 000.00. I gave R500 000 cash and she got a bond registred in her name for the remaining R220 ...
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1answer
181 views

Is it legal for Shutterfly to expire their Prepaid Plan in CA, USA

Sorry if this is off topic, but thought it was the best site for this question: I was just on Shutterfly and noticed that I had an expired prepaid plan. I live in California and remember there are ...
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2answers
175 views

Is it possible to split a bought price made with a credit card into some monthly payments?

I'm from Brazil and here the thing works like that: If you buy a 300-dollar TV, but the limit of your credit card is 200 dollars, you can split the payment into 2 or even into 12 times. Since, each ...
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1answer
254 views

Withdrawing money abroad

I am visiting europe but i am using my local bank in my home country. My home country bank cut international withdrawal fee every time i withdraw, thts fine but what i wanted to know, when is it good ...
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2answers
185 views

Using simple moving average in Equity

I have read about simple moving average. However I am still not able to analyse on how to use it in equity(Stocks). I have read about many SMA, 5 day SMA, 10 day SMA and 200 day SMA. However want ...
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2answers
2k views

How can I find out the credit rating of a company

I have shares in RIOCAN (REI.UN.TO) and I am wondering if it is possible to lookup the credit rating of this company? I only found this one but it seems like an old one, I cannot tell the date: http://...
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1answer
100 views

Do health insurance premiums go up as you age?

If I buy private health insurance at the age of 40, and start off with a monthly contribution of 200$ (for example), then does the amount of premium change when I reach 50? Since at 50, my medical ...
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2answers
749 views

Is forward P/E calculated using current price(if yes, how useful is it)?

From my understanding, F1/F2 P/E is calculated using forward estimated EPS. And It seems to be impossible to predict future price (otherwise everyone just follow the Est. price) However, if it's ...
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1answer
666 views

Tax implications of dad paying cash for my home, and me paying him back?

My father found a better loan than us, so we are thinking about him giving us the money for the house, we pay cash for the house so we get it under our name, and then we pay to him every month for the ...
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1answer
76 views

What duration bonds are held by the ETF XBB

I am looking at the bond etf XBB. This ETF mostly holds Canada govt bonds. What I don't understand is what is the duration of these bonds held by the fund?
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1answer
93 views

How do I see all outgoings in one Gnucash report?

I can use the P&L or Income Statement reports to see expenses for a month, but it doesn't include the mortgage payment since I set this up as another account, rather than just an expense. I'd ...
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1answer
86 views

Deal with stock PSEC

I bought PSEC 3000 shares one month ago. Recently I found some rumor about it. Today's the deadline - if you owned PSEC as of 11:59 yesterday then you have to send the IRS 10% of the value of your ...
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1answer
103 views

Sell Stock using Limit

I'm starting out as a small time investor and had some fun buying 10 shares of a stock at $14.50 per share. Right now, the stock is at 16$ (up from it's $13.20 low that I bit to early on). The stock ...
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1answer
90 views

Does a 401k contribution help you contribute to a Roth IRA?

I have read some pretty poor threads on this site after doing some searches. I would like the following questions answered with the relevant documentation. Suppose I made $125,000 in the United ...
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1answer
2k views

Capital Gains Tax for State of Iowa: No distinction between short-term vs long-term gains?

I'm trying to figure out how much (if at all) do I have to pay for some long-term (and short-term) capital gains made in 2014, to the State of Iowa (where I reside). This is the instruction given: ...
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1answer
116 views

Why does the Fidelity Canadian Bond Fund have such a high beta? How is it measured?

I am looking at some Canadian bond funds (recommendations welcome) for my RRSP. Relatively safe, and with a dividend yield ~ 3% is good enough. While looking at Fidelity bond funds, I came across this ...
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1answer
93 views

Buy and sell stock at specific earnings

I have been invested in a telecom stock for the past year. I buy the stock at ~$5.00 and sell the stock at ~$5.15. I'm roughly on a bi-weekly rotation - sometimes shorter depending on how the ...
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2answers
1k views

What strike to choose if I want to sell weekly calls against a long LEAP put

I am looking at this strategy of selling weekly calls against long LEAP put options The strategy seems good to me. Quite an improvement over the regular collar strategy. What I do not get is why ...
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1answer
123 views

Rate used for approval on a 5/5 ARM?

When applying for a 5/5 ARM with a 2% cap each adjustment, a 6% lifetime cap, that starts out at 2.5%, what rate will the lenders generally use to qualify you for the loan when computing your debt to ...
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1answer
226 views

Historical Stock Price Quote on delisted stock without knowing stock symbol as of quote date

looking for historical stock closing price (as of 2/20/2006 or last trading date before) for Sierra Pacific Resources which later became NV Energy (NVE) and was purchased by a Berkshire Hathaway sub ...
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1answer
764 views

I own ASPIRO shares (Jay Z's new company). Now that it is going private, what about my shares?

I bought shares from ASPIRO ASP.ST at $1.05/share. Now, the company is going from public back to private in a couple of days! What does this mean for me as a public shareholder? And what can I do, ...
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1answer
33 views

'When the rising rate cycle gives way to a decline in borrowing costs, bond funds will …'?

[Source:] Bonds fall in value when rates rise, and this will be reflected in the unit price of bond funds. When the rising rate cycle gives way to a decline in borrowing costs, bond funds will rise in ...
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1answer
77 views

Always invest in a bond ETF with at least inflation protection?

I abbreviate: inflation-protected bonds = IPB (I choose this term because I don't want to limit this question to US TIPS); yield to maturity = YTM. Whenever deciding to invest in a bond ETF, should ...
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1answer
345 views

1 EIN doing business under multiple business names

I have 2 small business LLC's registered in Wisconsin, each with their own EIN. Call them Company A LLC and Company B LLC. I'm converting Company A LLC into an S Corp. Company B LLC will have it's ...
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1answer
325 views

Payment default penalties on annuities

Scenario You have an investment/retirement annuity through a broker with a life insurance company in which you have payed 10% of your salary for the past 4 years. The company you are working for is ...
0
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1answer
81 views

What is the big deal about the chinese remnibi trading hub that opened in toronto

Reading this new release is all the hype because these folks will give a better exchange rate between CAD and yuan than the kiosks at the airport?
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1answer
80 views

What margin is required to initiate and maintain a short sale

If I short 100 shares of a stock trading at 20$, what is my initial margin and my maintenance margin that I need to maintain with my broker? I have a REG T margin account.
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1answer
73 views

2014 Tax Fee For One Month Without Healthcare

Confirming that I understand this link correctly about paying taxes on every month I was uninsured, and that nothing has been changed in the last week. I went one month without healthcare when ...
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1answer
168 views

Check expiry date

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?
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1answer
405 views

US citizen to receive money from mother British Overseas Citizen as gift money

My mother is a UK British Overseas Citizen residing in India. She wishes to gift money from UK account via bank transfer to my sister in USA who is unmarried yet. What amount wl my sister have to pay ...
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2answers
92 views

Risk and reward of a synthetic option position

I am trying to understand option synthetics. This article mentions: For example, if your stock is at $100 per share and the you sell a 105 Call and buy a 105 Put, you have zero risk (and zero ...
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1answer
406 views

Defaulting on early termination charges out of a phone contract

I was wondering what the consequences are: is your credit history ruined, or merely dinged? Is the blow recoverable? Can the carrier try to get the money back in court? I assume you'll wind up ...
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2answers
901 views

Avoid exorbitant costs when forced to break a lease

Assume Joe's employment contract and hence USA visa have ended, therefore he is forced to leave the country and break the apartment lease. The leasing company is demanding the remaining 6 months of ...
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3answers
5k views

new car loan vs use mortgage loan to pay for car

We have a mortgage loan for 3.5% and just got a car loan for 1.49%. My husband thinks we should pay off the car with our mortgage loan instead of using the car loan because we can claim mortgage ...
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1answer
174 views

Extend warranty on current car or trade in for new cheaper car?

Three years ago I bought a new Mercedes GLK350 for $45,000. It gets about 19 MPG on average. It now has 49K miles on it, and the original warranty is ending. I have the option to purchase an ...
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2answers
243 views

Comparing historical performance of different accounts

I have several different investment accounts, and I'm trying to compare the historical performance between them. Some of the accounts are easy: I have a couple of different accounts that are invested ...
0
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1answer
144 views

Correct term for describing how “interesting” a stock is to buy

When I decide what stocks to place in my portfolio I do a series of technical and fundamental analyses and during each one I give stocks different numbers of "points", and I basically go for the ones ...
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2answers
287 views

Claiming residential energy credits on US tax return

I just did my 2014 taxes last night through Tax Act Online and I claimed an expense of $2,000 for improved insulation and $2,500 for replaced doors and windows on my house. I think those estimated ...
0
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1answer
771 views

What are the consequences of being classified as a day trader, in Australia?

I read in a question here advice on how not to be labelled as a day trader. I trade quite often, but not as much to be labelled as a day trader based on what I read, but I'd still like to know what ...
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2answers
3k views

Investing inheritance money to build a spec home

Last year I inherited several thousand dollars from my mom's estate. I paid off my mortgage and purchased a lot in my neighborhood. We are debt free as of this year. My husband is a builder and we ...
0
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1answer
236 views

Closed out old 401k. Rollover and cash out option. Received wrong amounts

I decided to cash out and rollover my old 401k. I requested a check for some amount after the taxes, and the rest be rolled over into my new 401k. However, instead I received 3 checks: 2 of which ...
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2answers
396 views

Can the beta of a stock be used as a lagging indicator for the stock w.r.t the market

I understand the beta of a stock to be the correlation between the stock's closing price and the closing value of a market index ETF (SPX), calculated over a period of time, (let us say 3 months). So ...
0
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1answer
128 views

What do mutual funds gain by being different from ETFs

This is what I understand on how ETS work vis-a-vis mutual funds: If I buy an ETF (SPY), then the ETF trust fund does not take my money and go out and buy the underlying stocks. I buy one share of SPY ...
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1answer
111 views

Should I use my primary home or the investment property for collateral on the mortage when buying an investment property?

I am buying a rental house in ocean city, MD. My primary home is PA. I do not know whether it is better for me to take mortgage on my primary house or part time rental house? Which give me more tax ...
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1answer
917 views

ITIN exception 1c- passive income bank letter

In order to apply for an ITIN using exception 1c, I require a letter from the bank as follows: 1(c) A signed letter from the bank on its official letterhead, displaying your name and stating that you ...
0
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1answer
314 views

tax consequences on selling rental property for citizens living abroad

We moved to New Zealand in 2012 renting out our house in Colorado from September 2012 until the present time. We want to sell it and heard that if we sell it within three years of renting it, it is ...
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2answers
1k views

Paid via PayPal with bank account, but was a couple dollars short

Paying for an item from a store in another currency. Last time I did this, to the same store, PayPal showed me the current USD charge instead of just the foreign currency before I actually hit submit, ...
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1answer
2k views

No withdrawal from paypal to Egypt, Udemy.com requires paypal. What should i do?

I am a constructor at udemy.com and from Egypt but the problem is that the only way to get paid is trough paypal and paypal does not withdraw money to Egypt yet. Is there any other alternatives i can ...
0
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1answer
105 views

Weird charge in insurance plan [Netherlands]

I've been living in the Netherlands as a student, since August, and the health insurance I had up to about a month ago was the European Health Insurance Card. However, at the end of December, I had to ...

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