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A recurrence expression for the balance `b` in year `n`
b[n + 1] = (b[n] + d)*(1 + r)
where b[0] = a - d
resolves to
b[n] = (((r + 1)^n)*(a*r + d) - d*(r + 1))/r
So with a = 1000
d = 200
r = 0.035
e.g. b[3] = 1529.96
This works for all `n` exce... |
A recurrence expression for the balance `b` in year `n`
b[n + 1] = (b[n] + d) (1 + r)
where b[0] = a - d
resolves to
b[n] = (((r + 1)^n) (a r + d) - d (r + 1))/r
So with a = 1000
d = 200
r = 0.035
e.g. b[3] = 1529.96
This works for all `n` exce... |
I'm curious: Say if you could buy a property or choose to rent and the mortgage per month on the property is similar to (or even lower) than the rent in your area, is there any reason to not buy?
Assuming you are not looking to move and stay in the area long term.
|
Very similar experience.
I think you will not be able to change this company; the are either sloppy or intentionally do it this way (to force you into their own insurance). Once you accept that they won't change, no matter what you do, you have only two options:
- refinance to another company. It might not be a deal... |
The 'bet' you placed with an option is typically motivated by your believe that a certain movement (or non-movement) in the underlying stock is coming.
Often, the option trader _still_ believes it is coming - just a bit later - otherwise he would have already sold the options, right? If the options near their expiry ... |
Suppose you rent an apartment with a one-year lease. Near the end of that one year, the landlord informs you that you will not be able to rent that specific apartment. You can choose another identical apartment in the building, or move somewhere else. Assuming all other costs to be equal (moving, changing utilities, ad... |
It's not as black and white as you suggest. Perhaps one believes that the current bet is still a good one but prefers to alter the trade's parameters after price movement. Options offer you the ability to tailor the risk/reward to your liking and adjustments (rolls) achieve that.
A simple example. XYZ is $100 and... |
Suppose you rent an apartment with a one-year lease. Near the end of that one year, the landlord informs you that you will not be able to rent that specific apartment. You can choose another identical apartment in the building, or move somewhere else. Assuming all other costs to be equal (moving, changing utilities, ad... |
I have two retirement accounts that will both get split after my divorce that just got finalized. One is a Roth IRA, the other a 401(k) account.
Is it possible to cash out money because of the divorce without paying the penalty ?
What are the taxes that need to be paid on both ? Do I have to pay capital gains on... |
Are there penalties for cashing out retirement accounts after a divorce? |
What market conditions would tip the scales for you to make borrowing from your own 401k a 'good' idea? The self-loan would help to increase the down payment and reduce PMI. Financially there is a lot at play: cost of PMI without the larger down payment; the 'double-tax' condition on the 401k loan; currently low mortga... |
When is it 'ok' to borrow from a 401k to purchase a house? |
Does the Pattern Day Trader (PDT) rule apply on all brokers? or some brokers can ignore it |
Pattern Day Trader (PDT) rule apply on all brokers? |
Does the Pattern Day Trader (PDT) rule apply on all brokers? |
The risk in taking a large 401K loan comes from the speed of what one must repay the loan if one changes jobs. This can happen by choice, or not, and the risk has been substantially lessened with the new tax laws enacted by President Trump. One used to have 60 days to repay a loan, and it has now been extended until ... |
Suppose I'm taking losses in a set of individual stocks (X, Y, Z ...). What are the US tax implications if I sell all of them, harvest losses for tax purposes, and select an ETF E with significant exposure to X, Y, Z and buy immediately. Would that trigger wash sale? |
If I have some money saved up, in our current economy what would be the best way to invest lets say... $1000-$3000 dollars? Or would it be best to just save this money? Any and all advice is welcomed. Thank you. |
Need Advice on what to invest in? |
SOLVED - What's the right way to process a customer's overpayment? |
I haven't found a definite written answer, probably because it is implied. However, I'd really love confirmation if anyone can verify my assumption, before I make a decision.
Say I bought 10 shares of a stock at $10/share, for a total cost of $100. Now the stock is worth $20/share. Can I sell 5 shares, effectively ... |
Can I avoid captial gains tax if I sell only the amount I put in and leave the rest? |
Consider I made 3 transactions in 3 different months (bought 100 shares twice and then sold 150) and the quote for the asset was, respectively, $10, $20 and $3.
Which is the "correct" profit I have when I sold 150 shares: $2,000.00 or $2,250.00?
[![enter image description here][1]][1]
[1]: https://i.stack.... |
What is the correct way to calculate profit? |
I recently graduated college in the US, and my loans went into COVID-19 forbearance. I'm not required to make payments until January 2021, but I have been witling away at them for a few months since graduating. My loans have only accrued minimal interest. I have a combination of subsidized, unsubsidized, and parent plu... |
Should I consolidate my loans amidst political talks of forgiving student debt? |
> would consolidating my loans disqualify me from receiving this kind of aid?
No one knows any details about what any hypothetical loan forgiveness plan would or would not cover. Would the Government actually pay the lenders the forgiveness amount? Or would it be through some sort of tax credit. No one knows at this... |
> would consolidating my loans disqualify me from receiving this kind of aid?
No one knows any details about what any hypothetical loan forgiveness plan would or would not cover. Would the Government actually pay the lenders the forgiveness amount? Or would it be through some sort of tax credit. No one knows at this... |
I know of a business that charges $100 for a repair.
They charge $50 on acceptance of the job, then $50 on delivery.
One could issue two invoices, tying them together with a job for the customer. Post the first invoice immediately and process the payment. The second invoice remains unposted until the repair is co... |
Half down; half on delivery - How do you invoice that? |
As mentioned above, they do indeed have databases, though it might take a brave (careeless) payor to be willing to assume the payee just from name similarity. There ARE more similarities available to raise the confidence of success though: the first coming to mind being the account number structure of different busine... |
Okay so last year my uncle came to learn that someone was able to draw out $15,000 from his account. This guy was good. Someone successfully made replicas of the checks my uncle would use. The placement was right, the font, the stock, was even printer in micr ink. What’s worse is they didn’t deposit it, they straight c... |
What if a counterfeit check had no mistakes or errors? |
Last year my uncle came to learn that someone was able to draw out $15,000 from his account. This guy was good. Someone successfully made replicas of the checks my uncle would use. The placement was right, the font, the stock, was even printer in micr ink. What’s worse is they didn’t deposit it, they straight cashed 5 ... |
Last year my uncle came to learn that someone was able to draw out $15,000 from his account. This guy was good. Someone successfully made replicas of the checks my uncle would use. The placement was right, the font, the stock, was even printed in micr ink. What’s worse is they didn’t deposit it, they straight cashed 5 ... |
I buy (call) option of AMAG stock and they send me a message like this.
[Picture message][1]
[1]: https://i.stack.imgur.com/k8SRT.jpg
What should I do? Are they going to pay me? The expiration date is 11/20 and I don’t know what should I do. Please help. |
I bought a (call) option on AMAG stock and Robinhood send me a message like this:
![Screenshot of message][1]
What should I do? Are they going to pay me? The expiration date is 11/20 and I don’t know what should I do. Please help.
[1]: https://i.stack.imgur.com/k8SRT.jpg
|
I have received a $50 gift card for my birthday, and I've been thinking on how I should record it in my books, using double-entry accounting. I don't think it would make sense to classify as an expense any money that I spend using the gift card, since I'm not really losing any money. By that same logic, I don't think t... |
How should I record a gift card? |
Can I avoid capital gains tax if I sell only the amount I put in and leave the rest? |
Tailored Brands (TLRD before, TLRDQ after the bankruptcy), owner of Men's Wearhouse and Jos A. Bank, filed for Chapter 11 back in August. It's about to emerge from bankruptcy later this month (end of November). According to [this news article](https://www.retaildive.com/news/tailored-brands-looks-to-exit-bankruptcy-lat... |
Why is there heavy volume in a penny stock about to become worthless? |
> What is to stop people from doing this like they did my uncle?
Somebody had to look at the thief's ID, which of course could have been fake. The place that cashed the check should be held responsible monetarily. The police have to be notified so that a criminal complaint will exist. Then when they are caught the t... |
Last year my uncle came to learn that someone was able to draw out $15,000 from his account. This guy was good. Someone successfully made replicas of the checks my uncle would use. The placement was right, the font, the stock, was even printed in micr ink. What’s worse is they didn’t deposit it, they straight cashed 5 ... |
I'm reading the article https://seekingalpha.com/article/4389159-nio-behind-this-wild-pre-earnings-rally but don't understand some of the calculations and terms used in the article.
Could someone help me to understand?
1. Where can I find the IV is 200% in the Options Chain?
```Options are pricing in a significa... |
How to find price swing from option chart? |
> Now why on Earth would that happen? I'm puzzled. The stock is as good
> as worthless, its price should be $0.0, trading volume exactly zero.
> Or is there some hidden tax benefit in trading worthless penny stock?
> Or some other angle? Could someone provide some illumination?
People can be easily confused. They... |
> Where can I find the IV is 200% in the Options Chain? Options are pricing in a significantly large move, with IV over 200% for Nov. 20 expiry
Any decent broker will provide the implied volatility for options. Here's an [example](https://researchtools.fidelity.com/ftgw/mloptions/goto/optionChain?symbols=TRIT). So... |
I noticed that after I bought a house, I started getting junk mail with my specific mortgage amount on it pretty quickly, presumably sourced from public information. Will it also be public information if I either
1. Refinance. Will current principal be able to be determined?
2. Pay off mortgage completely. Wil... |
Is paying off mortgage public information? |
Options are sometimes adjusted to account for "corporate actions". Normally this occurs when a company "splits" their shares, so an option on 100 shares becomes an option on 200 shares (with half the strike) if a company does a 2-for-1 split. But it also occurs when a company is acquired (or merges) so that the stock o... |
For futures, such as oil futures, I understand that the oil companies would be the writers of the oil futures to lock-in selling price. In this context, these oil companies have the underlying assets, namely oil and they can deliver when fulfill the contracts.
For index futures, does it work similarly? i.e., are th... |
Options are sometimes adjusted to account for "corporate actions". Normally this occurs when a company "splits" their shares, so an option on 100 shares becomes an option on 200 shares (actually 2 contracts for 100 shares each) with half the strike if a company does a 2-for-1 split. But it also occurs when a company is... |
Who are the writers of index futures? |
So let's say I own some shares in a company and their stock rises and I want to buy more shares does my older price change to the new one? And if I sell just the amount I bought the 2nd time what happens? I would love it if you could explain it with an example. Thanks in advance |
So let's say I own some shares in a company and their stock rises and I want to buy more shares does my older price change to the new one? |
My dad just gave me $4200 to pay for the college semester, and he expects nothing in return. I would like to correctly record this using double-entry bookkeeping.
Normally, I would just pay for college first, and then he would pay me. When I do this, I credit $4200 from my cash account, and debit $4200 to an account... |
How should I record a reimbursement for college tuition? |
> I would love it if you could explain it with an example.
Say you go to the store and buy 10 apples for $1 each. You then go to the store the next day and the price has risen to $2. How much would you expect to pay for 10 more apples?
Obviously you'd pay $2 each. What you paid for apples yesterday is irrelevant... |
Say I own some shares in a company and their stock rises and I want to buy more shares does my older price change to the new one? And if I sell just the amount I bought the 2nd time what happens? I would love it if you could explain it with an example. Thanks in advance |
Say I own some shares in a company and their stock rises and I want to buy more shares does my older price change to the new one? |
Square reported girlfriend's business income under her SSN, triggering IRS issues (2012). Does she have any recourse? |
I bought a second small (650 s.f.) house about 5 yrs ago initially with the intention of downsizeing into it. I changed my mind and I have allowed a good friend who has many problems to live there. I do not charge any rent , I pay all taxes maintenance repairs etc etc. I am OK doing this but how does the IRS see this w... |
I'm in Finland. I got my pay stub today, and discovered that my withholding rate for this year was calculated so that I actually overshot the maximum annual income last month. This just means that I pay a higher rate for November and December, and when I filled in the electronic form to request a recalculation the prev... |
Overshooting my withholding rate's upper limit; invest the extra early in the year or ask for recalculation? |
Santander failed to notify me of an interest rate decrease on my student current account from 3% AER to 1% AER, which I noticed a few months after the change. I submitted a complaint to them over the phone, and they called me back a few days later to say that they would compensate me by crediting my account with £25, w... |
How should I categorise/record an "account adjustment" on my current account? |
I'm in Finland. I got my pay stub today, and discovered that my withholding rate for this year was calculated so that I actually overshot the maximum annual income last month. This just means that I pay a higher rate for November and December, and when I filled in the electronic form to request a recalculation the prev... |
I'm in Finland. The way income tax works here is that my employer withholds a certain percentage of my salary up to an annual upper limit, and a significantly higher percentage of the salary exceeding that.
I got my pay stub today, and discovered that my withholding rate for this year was calculated so that I actual... |
I bought a second small (650 s.f.) house about 5 yrs ago initially with the intention of downsizing into it. I changed my mind and I have allowed a good friend who has many problems to live there. I do not charge any rent, I pay all taxes maintenance repairs etc etc.
I am OK doing this but how does the IRS see this ... |
According to the switching service's [FAQ](
https://www.currentaccountswitch.co.uk/helpandsupport/Pages/help.aspx), it's the new bank:
> **Who provides the guarantee?**
> As a participant of the Current Account Switch Service, your new bank or building society guarantees your switching process. Bacs, the people ... |
I'm recently engaged, which is good. But this presents a quandry.
I make 100% of the money for our household, and we've been living together for nearly 2 years now. Tax wise, this kind of sucks. My fiancé last year filed a tax return for $0, and I filed one for much more. Both were filed as *single*.
I did some m... |
I wish to buy several companies when they have initial public offering (IPO).
Instead of doing google, where is a central website that announces IPOs of companies? |
I sold 250 shares of a stock at a loss of (-1,000). 2 weeks later bought a single put contract (100 shares) n the same stock. If I sell the put option for profit a few days later, is this a partial wash sale? If so, how do I calculate it? |
Stock Sold at Loss, Will buying a Put Option Cause a Wash Sale? |
I'm recently trying to acquire an investment property (a single family house) in the USA. I have self-employment income and payroll income from the same company, my wife as well, and I also have recent payroll history with a different company.
I had refinanced my personal home with this bank only a few months ago, s... |
Can you sue a mortgage bank for having drastic differences between pre-approval and actual loan offer? |
I sold a stock at a loss in one account, and a few weeks later sold from another account once the stock went up. The stock I sold for a profit was purchased 90 days before I sold the stock for a loss. Is this a wash sale? |
Wash sale if I sale at a loss and in another account sale for a profit? |
I started a job in California this year. I am a resident of las vegas. I work full time in california and part time in las vegas. I have a home in vegas that has a mortgage. In california, I have to rent an apartment while working there. I travel to vegas to work every week and spend some time in the house. How s... |
I sold a stock at a loss in one account, and a few weeks later sold from another account once the stock went up. The stock I sold for a profit was purchased 90 days before I sold the stock for a loss. Is this a wash sale? (IRS) |
I sold 250 shares of a stock at a loss of (-1,000). 2 weeks later bought a single put contract (100 shares) n the same stock. If I sell the put option for profit a few days later, is this a partial wash sale? If so, how do I calculate it? (IRS) |
Suppose my 2020 income is $25k, and I have $15k in unrealized long-term capital gains in shares of company X. In 2021 and beyond, I expect my income to be $40k+. I consider the shares of company Y to have equal upside potential as company X. I live in a state which treats capital gains no differently than ordinary i... |
Best to harvest unrealized long term capital gains while income is low? |
I started a job in California this year. I am a resident of Las Vegas. I work full time in California and part time in Las Vegas. I have a home in Vegas that has a mortgage. In California, I have to rent an apartment while working there. I travel to Vegas to work every week and spend some time in the house.
H... |
In Bollinger Bands, one of the parameters is standard deviation. I was told that this parameter is usually set to 2. I searched around the internet, and nearly all websites say the same thing, but without explaining why. [Fidelity](https://www.fidelity.com/learning-center/trading-investing/technical-analysis/technical-... |
Why do Bollinger Bands typically use a standard deviation of 2? |
Unsure if this is in the right section of Stack Exchange but, I have a family member coming to the UK (from outside of the EU) in the near immediate future.
They will be bringing a painting with them that contains at least 100g of Amber, if not more. It's a gift.
Will they have to declare this upon arrival?
And... |
Unsure if this is in the right section of Stack Exchange but, I have a family member coming to the UK (from outside of the EU) in the near immediate future.
They will be bringing a painting with them that contains at least 100g of Amber, if not more. It's a gift.
Will they have to declare this upon arrival?
And... |
From your comment:
> My drivers license is from Las Vegas, Nevada, and I'm not registered
> to vote in either state.
I am working from the assumption that you will be able to prove you are a resident of Nevada and work in California. See [California Pub 1031][1031] for Guidelines for determining who is a Residen... |
Unsure if this is in the right section of Stack Exchange but, I have a family member coming to the UK (from outside of the EU) in the near immediate future.
They will be bringing a painting with them that contains at least 100g of Amber, if not more. It's a gift.
Will they have to declare this upon arrival?
And... |
For the sake of an answer,
1. In the abstract, yes, this is completely actionable. 100%. Their actions harmed you. Note that I'm not saying you will "win", but it's actionable.
2. In the US, the question "Can I sue?" is **in effect equivalent to asking** "Can I find a lawyer who will take on the case on continge... |
For the sake of an answer,
1. In the abstract, yes, this is completely actionable. 100%. Their actions harmed you. Note that I'm not saying you will "win", but it's actionable.
2. In the US, the question "Can I sue?" is **in effect equivalent to asking** "Can I find a lawyer who will take on the case on continge... |
Let's assume someone wanted to start a small, simple business. They go through all of the paperwork to get an LLC, they set up a business checking account and they are ready to go.
Such an individual would need to properly record and report any seed income they may deposit from their personal finances. There are pl... |
(I know this is 5 months late...)
> You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening.
Do you have a user account at https://www.chas... |
I have been researching options and I have noticed that call options move differently when the underlying goes asset up vs. down. Mostly negatively for the investor.
For example, I have narrowed my research to one type of example. Call options dated two weeks out. Now when the underlying asset (in this case SPY sinc... |
How do startups value their digital assets in their accounts? A website or a social media account that generates revenue? |
How to value digital assest for a startup? |
I'm a newbie here this is my first post. I would be appreciated if some one will help me.
I'm a bit confusing about EPS on earnings.
As a Example, Nvidia Oct 2020 Earnings,
- tradingview shows (https://gyazo.com/cac2c0e3a1d483cef7eb566c020db9fc)
- EPS Est. 2.58 vs Actual 2.12, -17.75% surprise
- Nasdaq ... |
How to value digital asset for a startup? |
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