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Why would that be relevant? What the tax man says is completely irrelevant. If the tax man says houses are investments, does that mean we shouldn't live in them? Bitcoin was designed to be a currency, and can be used as a currency. And houses were designed to be lived in, and can be.
Generally no, for 4 reasons. ---------- First, the 'loss' margin much larger for lotteries than insurance. Lotteries often take 50% or more. Insurance I don't have firm numbers for, but I would expect much closer to 10%. ----------- Second, adverse selection. You generally know more about your situati...
My parents have control of my money and see everything I can do. What should I do?
Why would that be relevant? What the tax man says is completely irrelevant, except for tax. If the tax man says houses are investments, does that mean we shouldn't live in them? No, it just changes how the tax is calculated. Bitcoin was designed to be a currency, and can be used as a currency. And houses were des...
My limited understanding is that a stock's share price typically goes down on its ex-dividend date by the amount of the dividend. If that's true, why are dividend equities generally considered good investments? It sounds like investors would just break even each time a dividend is issued because the value of their eq...
If an investor does not need an income stream, do dividend stocks have advantages over non-dividend stocks?
Just for clarification, a stock's share price drops by the exact amount of the dividend on its ex-dividend date. When trading begins anew that morning, the stock may go up, down or be unchanged. You are correct. Investors just break even each time a dividend is issued because the value of their equity goes down by...
Living sometimes in Canada and sometimes in France, I use both Questrade and Degiro. My question relates to the following stocks: - OTCMKTS: SFTBY (SoftBank on OTC Markets - with Questrade) - FRA: SFT (SoftBank on Frankfurt Stock Exchange - with Degiro) I don't understand why these two stocks **didn't incre...
Why has SoftBank increased less on the Frankfurt Stock Exchange than on the OTC market?
1. Unfortunately, just **suck it up** until you are 18. :-/ 2. You won't believe me now, but when you are **ancient** (like, 27) you will look back and wish you had "bit your tongue" and just sucked it up, to keep a good relationship with your parents. 3. Really you can't officially move out until 18. **But real...
There is a lot of confusion here. "Currency" is simply ... * Currency is just money that is **commonly and generally used** (in a given time and place) That's all it means. For example, Euros are *not* currency in New York. But of course Euros are currency in Lyon. In Calais (it's a town in France very cl...
There is a lot of confusion here. "Currency" is simply ... * Currency is just money that is **commonly and generally used** (in a given time and place) That's all it means. For example, Euros are *not* currency in New York. But of course Euros are currency in Lyon. In Calais (it's a town in France very cl...
If you measure risk in a way that is independent of position size, then changing the position size does not affect the risk. What if you measure risk in terms of a fraction of the amount invested? What if you measure risk in terms of a fraction of the potential gain in particular scenarios? What if you measure...
In my most recent payroll (which included bonuses), I messed up my contribution % for pre-tax and after-tax 401k. I ended up with $10k in pre-tax and $44k in after-tax (+4k in employer matches), when my intent was to do $10k and $23k. The issue is that this already puts me at the full $58k limit for 2021 instead of ...
Living sometimes in Canada and sometimes in France, I use both Questrade and Degiro. My question relates to the following stocks: - OTCMKTS: SFTBY (*SoftBank* on **OTC Markets** - with Questrade) - FRA: SFT (*SoftBank* on **Frankfurt Stock Exchange** - with Degiro) I don't understand why these two stocks **...
I have a bank account in the US and a bank account in Lithuania. The latter is identified with an IBAN and a BIC. How can I transfer money from my US bank account to an IBAN+BIC number without any fees? Notes: 1. If the exchange rate isn't the market rate, this is obviously a fee. My bank account in Lituania ...
How can I transfer money from a US bank account to an IBAN+BIC number (European bank account) without any fees?
I am currently living in the UK after many years in the US. I want to **safely** transfer some money from my US bank (Ally bank) to my bank account in the UK. (Ally Bank doesn't do international transfers, so I need to find another way of doing this.) I had a bad experience doing this with Transferwise last year (I ...
How do I safely transfer money from a US bank to a UK bank?
In 1977 my grandfather passed. In his will he left his grandchildren stock he purchased at a local bank. The will stated that the stock could be claimed when the youngest of us reached 18 years of age. My grandmother passed in 1978 and left us the same stock in her will as my grandfather had wished. We never knew about...
Suppose that I am a SEK investor and own a stock of a Chinese company listed in HKD in Hong Kong. What is my actual currency exposure in this case? Is my exposure the same as if I would own this in CNY? Or foes the currecy HKD make a difference?
In most cities around the world rent is skyrocketing. More and more people want to live in cities and real estate is a limited resource. So why aren't more skyscrapers built to provide more living spaces for people? They have been built since the 1900s and aren't absurdly expensive to build. But in most european cities...
Why aren't raising rents fixed by building more skyscrapers?
One argument against investing in the sense of "putting money knowingly and deliberately at risk" is that **the psychological effects can be immense and are extremely hard to quantify**. This means that in any sort of risk analysis these psychological effects represent a dangerous, potentially fatal unknown variable. ...
One argument against investing in the sense of "putting money knowingly and deliberately at risk" is that **the psychological effects can be immense and are extremely hard to quantify**. This means that in any sort of risk analysis these psychological effects represent a dangerous, potentially fatal unknown variable. ...
One argument against investing in the sense of "putting money knowingly and deliberately at risk" is that **the psychological effects can be immense and are extremely hard to quantify**. This means that in any sort of risk analysis these psychological effects represent a dangerous, potentially fatal unknown variable. ...
I want to buy put options as I blv the price of the underlying asset is going down. In the linked video [here][1] at around 1:10 there is a bit saying that for short positions, you 'sell to open' to enter and 'buy to close' to exit, while for long positions you buy to open and sell to close. But then at the bottom o...
**It avoids building castles in the air** Extremely simplified there is two factors contributing to a stock price. The first part is a fundamental value, based on the company's earnings, its dividend, the expected future growth. Analysts make this look like an exact science by computing two digits behind the comma b...
In 1977 my grandfather passed. In his will he left his grandchildren stock he purchased at a local bank. The will stated that the stock could be claimed when the youngest of us reached 18 years of age. My grandmother passed in 1978 and left us the same stock in her will as my grandfather had wished. We never knew about...
There are two types of shares that you are talking about: **H Share** - HKD traded at Stock Exchange of Hong Kong, held by a Hong Kong nominee service (Think ADR) **A Share** - CNY (Onshore, not to be confused with Offshore CNH) traded at Shanghai and Shenzhen Stock Exchange; can be purchased by Qualified Foreign...
Suppose that I am a SEK investor and own a stock of a Chinese company listed in HKD in Hong Kong. What is my actual currency exposure in this case? Is my exposure the same as if I would own this in CNY? Or does the currecy HKD make a difference?
There are two types of shares that you are talking about: **H Share** - HKD traded at Stock Exchange of Hong Kong, held by a Hong Kong nominee service (Think ADR) **A Share** - CNY (Onshore, not to be confused with Offshore CNH) traded at Shanghai and Shenzhen Stock Exchange; can be purchased by Qualified Foreign...
I want to buy put options as I believe the price of the underlying asset is going down. In the linked video [here][1] at around 1:10 there is a bit saying that for short positions, you 'sell to open' to enter and 'buy to close' to exit, while for long positions you buy to open and sell to close. But then at the bott...
Bitcoin is often referred to as cryptocurrency. In [this article from the BBC][1] the headline is "Digital currency Bitcoin has risen to a new record high of more than $50,000" It can be used to pay out of Visa card, Mastercard, used on Paypal and even to buy Teslas. Yet, it is subject to capital gains tax in ...
* Not all ground is structurally suitable for building skyscrapers (or requires *deep* and expensive pilings). * You can *easily* build a two- or three- story apartment building with framing lumber or concrete blocks. Skyscrapers? Not so much. They require highly-specialized iron workers/ * There's a reason people...
To start off, I don't know the correct term for this situation, which limits my research options. I have looked for 'conditional loan', 'conditional reimbursement' and such, but none of the results resemble my situation. I recently bought an item for my home office. My employer reimbursed me. However, the reimbursem...
How to budget a 'conditional reimbursement'?
I accidentally made an excess contribution to my HSA (or my employer or HSA custodian made a mistake, it's still not clear). I know what I need to do to correct it, but I'm curious, _why is that allowed to happen in the first place_? The HSA custodian _knows_ how much I've contributed at any given point in time, and...
Why are excess HSA/IRA/401k/etc contributions allowed?
> Why are excess HSA/IRA/401k/etc contributions allowed? Sometimes they aren't allowed, e.g. Vanguard makes sure that the customers don't over-contribute to IRAs: [![enter image description here][1]][1] So it depends on how good/bad your financial institution is. Also note that they can't check whether you ove...
What you are missing is that the price of the stock tends to *rise* the amount of the dividend between the announcement and the ex-dividend date. This has been shown to be empirically true in many academic studies. In addition, this increase is 'real' i.e. it's based on actual trades and not on regulatory rules. The...
I want to buy put options as I believe the price of the underlying asset is going down. In the linked video [here][1] at around 1:10 there is a bit saying that for short positions, you 'sell to open' to enter and 'buy to close' to exit, while for long positions you buy to open and sell to close. But then at the botto...
This article: [The Run-Up Before Ex-Dividend Date][1] about the may be of use for you. I am not advocating or confirming the conclusions but the logic is relevant: > * Price anomaly: the price of a dividend-paying stock tends to drift up before the ex-dividend date. * At the aggregate level, this upward drift take...
What you are missing is that the price of the stock tends to *rise* the amount of the dividend between the announcement and the ex-dividend date as explained in [this article](https://www.investopedia.com/articles/investing/091015/how-dividends-affect-stock-prices.asp) the section titled *The Effect of Dividend Declara...
I was looking into the options of leveraging my main index fund by a certain amount and was recommended to use Degiro's inhouse credit product "Debit Money". Current annual cost: 1.25% pa Alternatively, I could short a standard money market ETF, which currently yields just about -0.5%, ie would pay half a percent wh...
What you are missing is that the price of the stock tends to *rise* the amount of the dividend between the announcement and the ex-dividend date as explained in [this article](https://www.investopedia.com/articles/investing/091015/how-dividends-affect-stock-prices.asp) the section titled *The Effect of Dividend Declara...
May I ask for your opinion on option trading volume numbers? A recent example might be DNN (Denison), a call option,expiration Mar 19, strike $2.50 Yahoo says in the option chart that the volumes were 85m Feb11, and 64m Feb16 (yesterday). On Barchart Premium I found volumes 338k for Feb11 and 206k for Feb16, w...
I recently went to the bank to deposit several thousand checks I saved up. They refused, told me to contact corporate. Is this normal? Do banks have some limit on accepting huge amounts of checks for a personal account? I'm pretty sure a normal bank branch only processes a few checks a day so any more would be overw...
**It avoids building castles in the air** Extremely simplified: there are two factors contributing to a stock price. The first part is a fundamental value, based on the company's earnings, its dividend, the expected future growth. Analysts make this look like an exact science by computing two digits behind the comma...
The IRS declares in many documents that: "ITINs are IRS assigned numbers issued only for federal tax administration purposes" and "ITINS do NOT Serve as identification outside the federal tax system". However, FTB disallows Dependent Exemption Credit if the dependents do not provide SSN or ITIN. Only if you...
Is CA FTB not in breach of IRS rules by demanding ITIN?
When someone naked short sells, who do they pay the interest to? If they never locate the shares, then there isn't a shareholder to pay. Do they pretend to pay interest? Do they actually pay interest? Who collects it?
I am a long time - Long Position holder but am moving into more aggressive trades. I am not really looking to do "day trades" but rather in a 2 day to 90 day position. With this context in mind and the fact that I am very new to this my question is this... Which reports should I be reviewing on a regular basis? (...
I am a long-time *long position* holder, but am moving into more aggressive trades. I am not really looking to do "day trades" but rather in a 2 day to 90 day position. With this context in mind and the fact that I am very new to this my question is this... Which reports should I be reviewing on a regular basis? ...
So I have this service business that I've been working on the backend (planning, relationships, coding etc) for a couple of years but I don't know how I can get the time/money to launch it. I work 40 hours per week, and with commuting and getting ready etc that's about 45 hours. When my business goes live, I need to ...
How can I get my startup off the ground?
I have this service business that I've been working on the backend (planning, relationships, coding etc) for a couple of years but I don't know how I can get the time/money to launch it. I work 40 hours per week, and with commuting and getting ready etc that's about 45 hours. When my business goes live, I need to...
Are there any special tax provisions or incentives that PhD students should be aware of in order to grow their wealth or limit taxes during the duration of their PhD? Assume the student is a US citizen with no debt, sufficient savings, and earning a modest PhD stipend (i.e. ~$25k). For the benefit of future reader...
What personal finance tips should a graduate (PhD) student know or take advantage of?
I have a pseudo-account "Payables & Receivables" for this on my budget. In your situation, I would budget as follows: 1. First, buy the item with your own money and assign that transaction a category (needs to be funded with your own money). Because, after all - you are paying with your own money and now own the ...
I'm having troubles trying to find a way to buy shares from the Norway Merkur market as an Australian. The banks I contacted are not offering Norway shares. What'd the a good way to do the investment from Australia?
Norway Merkur market from Australia?
I'm having troubles trying to find a way to buy shares from the Norway Merkur market as an Australian. The Australian banks I contacted are not offering Norway shares. I'm struggling, and failed to find a way to buy Norway shares. What'd the a good way to do the investment from Australia? I don't have a Norway pass...
Let's assume this simplified case: - At the beginning of 2020, there is no money in my IRA. I _contribute_ the maximum amount allowed (for me 7k$, because I'm old) from after-tax money, and next day _convert_ it to IRA Roth. - Later in the year 2020 (and up to 4/15/2021), I consider to 'change my mind' and reque...
IRA to IRA Roth "Recharacterization" vs "Conversion", is there a difference in result?
Let's assume you contribute a certain deductible amount to your IRA on Jan/2, and invest it there. You really want the money in your IRA Roth at the end of the year, but you try to pick the best approach after the fact: - if during the year your investments go down, you convert the investment at some point in time, ...
Can I legally play this shell-game with the IRS by using “Recharacterization” or “Conversion”, depending on markets?
Browsing these forums for questions regarding Form 2555, for issues not mentioned in instructions it seems that there is no official answer. For example, during this year I got sick with the Coronavirus, and was sent to the US for treatment; however, I got sick pay from my company abroad during this time; therefore, f...
I wonder what happens if too many investors want to purchase a given ETF. On one side, the ETF share price is [approximately](https://money.stackexchange.com/a/135618/5656) the sum of the ETF holdings divided by the number of ETF shares, since deviations are corrected by [ETF Arbitrage](https://www.investopedia.com/art...
What happens if too many investors want to purchase a given ETF?
Browsing these forums for questions regarding Form 2555, for issues not mentioned in instructions it seems that there is no official answer. For example, during this year I got sick with the Coronavirus, and was sent to the US for treatment; however, I got sick pay from my company abroad during this time; therefore, f...
Browsing these forums for questions regarding Form 2555, for issues not mentioned in instructions it seems that there is no official answer. For example, during this year I got sick with the Coronavirus, and was sent to the US for treatment; however, I got sick pay from my company abroad during this time; therefore, f...
> Do banks have some limit on accepting huge amounts of checks for a > personal account? You have to check with your bank regarding limits on personal accounts. - They can limit the number of checks. - They can put a hold on the money if the amount is over a daily limit. - They can limit the number or size of ...
From what I know, F-1 students that need to pay capital gains tax in the US have a flat rate of 30%, "unless a tax treaty allows for a reduced rate" (according to the IRS). My question is, "does the US and Vietnam have any tax treaty that allows for a reduced rate, or are Vietnamese US-based students subject to the 30%...
Do Vietnamese F-1 students have a reduced capital gains tax in the US?
From what I know, F-1 students that need to pay capital gains tax in the US have a flat rate of 30%, "unless a tax treaty allows for a reduced rate" (according to the IRS). My question is, "does the US and Vietnam have any tax treaty that allows for a reduced rate, or are Vietnamese US-based students subject to the 30%...
Buffett isn't saying buy high at resistance and sell low at support. His reference to "buy when everyone is selling and sell when everyone is buying" means taking advantage of sell offs and vice versa. Consider some other quotes of his: > Whether we're talking about socks or stocks, I like buying quality merchan...
I'm having troubles trying to find a way to buy shares from the Norway Merkur market as an Australian. The Australian banks I contacted are not offering Norway shares. I'm struggling, and failed to find a way to buy Norway shares. What would be a good way to do the investment from Australia? I don't have a Norway p...
I joined USA with H1B visa starting from 15th Feb 2020 whereas my wife joined me on H4 Visa starting from 8th Aug 2020. So in this case I am a Resident alien but what would be the case for my wife? will she be a resident/non-resident alien, because she is on H4 hence won't be eligible for SSN. In my W-2, I have fill...
I filed for the first time on paper in 2019, and I have the certified mail receipt. I owed a balance, and the IRS deposited the check that I enclosed, but I didn't receive either of the 2020 stimulus payments, which I was eligible for, nor did I receive any correspondence from the IRS. I wanted to see my 2019 record...
Any advantage to refiing previous-year paper tax return that the IRS lost and that I have a paid balance on?
Like, I can keep 50% of my net salary a month (800$ for example), so I can just 800$*12 months, but this would be deadly wrong. Since probably I would keep it somewhere in the bank, with compound interest, also I'll keep something in gold, assets or stocks, or even crypto. Also, my boss will raise my salary by about 20...
How do you calculate your finances for 3-5 years in advance?
I can keep 50% of my net salary a month (800$ for example), so I can just 800$*12 months, but this would be deadly wrong. Since probably I would keep it somewhere in the bank, with compound interest, also I'll keep something in gold, assets or stocks, or even crypto. Also, my boss will raise my salary by about 20% in a...
> Is FTB, by requiring ITINs for Sate Tax purposes, not in breach of the > IRS rules that ITINS be used only for Fed Tax purposes? None of your quotes say that ITINs be "used" only for federal tax purposes. You only have a quote that says ITINs are "issued" only for federal tax purposes. Something can be issued for...
Last year my spouse applied for ITIN and it was received around September. This year, when I filed my taxes (jointly) via HR block software, I got an automated email from HR block saying that `you or someone listed on your 2020 return has an ITIN that expired`. I used my SSN so it's definitely for my spouse. I called t...
How to renew ITIN? How often it gets expired?
I filed for the first time on paper in 2019, and I have the certified mail receipt. I owed a balance, and the IRS deposited the check that I enclosed, but I didn't receive either of the 2020 stimulus payments, which I was eligible for, nor did I receive any correspondence from the IRS. I wanted to see my 2019 record...
Any advantage to proactively refiling previous-year paper tax return that the IRS lost and that I have a paid balance on?
I filed for the first time on paper in June 2020 for tax year 2019, and I have the certified mail receipt. I owed a balance, and the IRS deposited the check that I enclosed, but I didn't receive either of the 2020 stimulus payments, which I was eligible for, nor did I receive any correspondence from the IRS. I wante...
Any advantage to proactively refiling previous-year paper tax return that the IRS misplaced, and that I have a paid balance on?
What do I need to do to prepare for starting a business?
How do corrections work in the stock market? Why is the stock market down this week?
Can an international student holding student resident permit, invest in the German stock market? As international students are not allowed to start a business so does that restrictions also apply to investing in stock market? If so, what is the procedure?
I'm from Brazil and I already trade shares, options and futures here for ~5 years in the brazilian stock market. I began trading shares in the US stock maket a few months ago using the Passfolio broker, and now I'm trying to trade options and futures but my broker doesn't have options/futures in their platform. I'd ...
I filed for the first time on paper in June 2020 for tax year 2019, and I have the certified mail receipt. I owed a balance, and the IRS deposited the check that I enclosed, but I didn't receive either of the 2020 stimulus payments, which I was eligible for, nor did I receive any correspondence from the IRS. I wante...
I don't know if you are still looking for an answer to this question, but I received the very same message two years ago. The "unnatural activity" issue seems to come up a lot, and CouponCabin's refusal to explain it is par for the course. According to one website that I've visited, this "unnatural activity" could be t...
A few things. 1. Warren Buffet is himself bullish right now, but he's cycling money around to newer positions like $VZ, $KR, and $MRK. 2. The Buffet indicator is just 1 indicator and only takes into account a couple of variables, namely GDP and market capitalization. It isn't forward-looking, but it can be u...
My new partner (7 years new!) are buying our first house together. We are both in our late 40s and have been divorced for some years. I have more equity to put down to purchase the house, but he earns more money. We are therefore setting up the property as Tenants in common, but how do we work out what is fair for us b...
> In other words, if an investor does not need an income stream from > dividends, do dividend stocks have advantages over non-dividend > stocks? With the premise that you are not trying to setup an income stream from the dividend, then there is no advantage that comes from getting a dividend from a stock. If th...