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If the goal is to have a diversified portfolio (more towards the safe, conservative, long-term side), should you include assets that hold value, but are not productive per se, like gold, silver, coins, cryptocurrency, art? Intuitively I don't see the advantage in having something that's not productive. Even if compa...
Are Gold and similar assets a good way to diversify your portfolio to protect value?
Buying a house with my new partner as Tenants in common. How do we work out what is fair for us both?
Do I have to pay taxes on a home warranty refund check?
> Intuitively I don't see the advantage in having something that's not productive. IMO this is completely wrong. All that matters is that the price goes up. Imagine an utterly, utterly useless asset, such as say Apple stock. (Apple make - wait, Apple *have made* by Foxconn - by any measurable standards ha...
I live in the United States and due to the COVID-19 pandemic my employer closed our offices and required everyone to work from home since March of 2020. My employer has provided a small stipend to cover home office expenses twice over the last year but I have never submitted any kind of expense report for any home offi...
> If the goal is to have a diversified portfolio (more towards the safe, conservative, long-term side), should you include assets that hold value, but are not productive per se, like gold, silver, coins, cryptocurrency, art? No. There are some issues with the stuff you mention - There is nothing produced by a coin...
In [my previous question][1], I explained that the IRS still has yet to process my 2019 return, my first filing, which means I won't receive any 2021 stimulus (EIP 3) if its calculation is based upon my 2019 income. I have significant income from foreign bank account interest. I have an idea of how much it should be...
Is it legal to estimate my income in a way that causes me to overpay tax but file timely?
Consider the following screenshot from Thomson Reuters Eikon with the freshest price targets for Sberbank (Russia's most expensive bank): [![enter image description here][1]][1] As you can see, the price targets range from +12.36% to 57.31% compared to the current price. I see two possible interpretations of thi...
Why analysts' estimates may differ significantly from market prices and should I follow their recommendations?
> If the goal is to have a diversified portfolio (more towards the **safe, conservative, long-term side**), should you include assets that hold value, but are not productive per se, like gold, silver, coins, **cryptocurrency**, art? The five you listed are *speculative* investments, which are the complete antithesis...
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. Can ...
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 can I budget a 'conditional reimbursement'?
The major way to predict stock prices is analyzing the fundamental value of the company, based on growth, earnings, dividends, etc. As an example, an analyst may conclude that a company should be worth 20 times it earnings. He may expect that the company will grow next year by 5% and increase the earning by 10% and inc...
The major way to predict stock prices is analyzing the fundamental value of the company, based on growth, earnings, dividends, etc. As an example, an analyst may conclude that a company should be worth 20 times it earnings. He may expect that the company will grow next year by 5% and increase the earning by 10% and inc...
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 market 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. Can...
Do I have to pay taxes on the PPF (Indian Account) interest amount in USA even though I am not withdrawing or distributing?
Lets say I make 100k profit in selling some stocks. Can I use that 100k to start a Business without paying Capitol gains? The Business would be used to buy and sell properties. Maybe a bar.
Using Capitol gains to start a Business?
I am a student in Florida USA and an Indian citizen. My income earned while I am outside US is not taxable in US. However, will it be taxable if such income is deposited to my US bank account?
I am a student in Florida USA and an Indian citizen. My income earned while I am outside US is not taxable in US. However, will such income be taxable if it is deposited to my US bank account? The source of income will be a US company.
Using capital gains to start a business?
On my W2, I had $xx,xxx listed in both my Federal Wages as well as my SS and Medicare wages. My tax software running it's data checks said it was unusual since I had values in Box 12 (of which, I had multiple, including codes AA, C and DD). Did my employer miscalculate my federal wages on my W2?
Does it make sense for my Federal Wages and SS wages to be the same if I have nonzero DD values for insurance?
On my W2, I had $xx,xxx listed in both my Federal Wages as well as my SS and Medicare wages. My tax software running it's data checks said it was unusual since I had values in Box 12 (of which, I had multiple, specifically: codes AA, C and DD). Did my employer miscalculate my federal wages on my W2?
For BNB, I set it to trigger @ 260 and sell for 250. It was sold today @ 11:56 EST. I don't see that the price ever dropped below 260, so why did it execute the sell? What am I missing?!? This is the first time I've used a stop limit order. Do I do something wrong?
Why was my Stop Limit Sell Executed?
I think that there are two parts to your question. The first is: `Are Gold and similar assets a good way to diversify your portfolio to protect value?` Ignoring last year, for the past three recessions: - In 1990, it lost about 10% of its value. - In 2000, it did nothing. - In 2008 it dropped 30% from its peak ...
Suppose we have 3 crosses that are related. USD/EUR, CNY/EUR and CNY/USD. If two develop in some way, over say a month? Must the three develop in a certian one? Say if USD/EUR up and CNY/EUR down by same amount must CNY/USD be flat?
Other answers advise you to get legal advice, and I agree that doing so would be advisable. You ask about the 'fair' way to determine the percentage you each own. Ultimately, this probably doesn't have a universal answer, and it's up to you and your partner to find something that you agree on. For simplicity in ...
Suppose we have 3 crosses that are related. USD/EUR, CNY/EUR and CNY/USD. If two develop in some way, over say a month? Must the three develop in a certain one? Say if USD/EUR up and CNY/EUR down by same amount must CNY/USD be flat?
I am thinking of buying, two ETNs in Commodities Metals (Copper, Nickel). I am curious of risk factors for these. 1. Besides Barclays Bank going bankrupt during a market crash with unsecured ETN debts, and 2. slight difference between spot price due to contago/backwardization, Is there anything else I should ...
Your question has intrigued academic researchers for decades. Here what a [survey paper][1] finds: - Analysts’ Forecasts are Optimistic - Analysts’ Forecasts Are Superior to Time-Series Model Forecasts - Analysts’ Forecasts are Inefficient [my comment - they overreact or underreact to information] - Most Ac...
> How do we work out what is fair for us both? You each offer various possibilities and fine tune one until you both agree that the terms are fair. Work out all details of property ownership, the sharing of ownership expenses, and equally important, a buy-out clause (or the ability to sell the property) should one ...
The starting point for assessing "fairness" is that the two of you are going to have equal *use and benefit* of the house while you both live there. If you do not *own* the house equally, then to be fair, one of you would need to pay rent to the other. To avoid having to set a rental rate, owning the house 50-50 is a s...
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...
I'm very appreciative of everyone who pitched in, and wish to reassure everyone that I too don't find this avenue of "forcing" my EIP 3 to be a particularly attractive one, if not just because it causes logistical headaches. To my question, though, I think the IRS wouldn't assess a penalty on my strategy. Here's wha...
Ii I own 100 shares of a stock at $40.00 per share. I would like to sell all 100 shares if the price falls below $36. But, if the stock were to double to $80 per share, I would like to sell 50 shares thereby recovering my initial investment an then remaining 50 shares. How would I enter transactions to work in this ...
Some personal investing brokers like Vanguard are ["backed" by Lloyds of London][1]: > To offer greater protection and security, Vanguard Marketing > Corporation has secured additional coverage from Syndicates at Lloyd's > of London for our brokerage clients....This coverage has an aggregate > limit of $250 milli...
Will Lloyd's of London really insure brokerage accounts up to $250 million?
> Will they really replace the entire investment up to $250M ? You snipped out the part that answers your question. https://investor.vanguard.com/investing/account-protection "This coverage has an aggregate limit of $250 million for all claims of securities **and cash and incorporates a per client coverage limit ...
Will Lloyd's of London really insure brokerage accounts up to $49.5 million?
Some personal investing brokers like Vanguard are ["backed" by Lloyds of London][1]: > To offer greater protection and security, Vanguard Marketing > Corporation has secured additional coverage from Syndicates at Lloyd's > of London for our brokerage clients....This coverage has an aggregate > limit of $250 milli...
I own 100 shares of a stock at $40.00 per share. I would like to sell all 100 shares if the price falls below $36. But, if the stock were to double to $80 per share, I would like to sell 50 shares thereby recovering my initial investment on then remaining 50 shares. How would I enter transactions to work in this man...
Some personal investment brokers like Vanguard are ["backed" by Lloyds of London][1]: Assuming a fraudulent loss in a individual brokerage account: - Will they really replace the entire investment up to $49.5M ? - What exactly are these terms and conditions (and how easily will they change them) ? - Who are ...
Your question has intrigued academic researchers for decades. Here what a [survey paper][1] finds: - Analysts’ Forecasts are Optimistic - Analysts’ Forecasts Are Superior to Time-Series Model Forecasts - Analysts’ Forecasts are Inefficient [my comment - they overreact or underreact to information] - Most Ac...
No matter how you cut it, the guy who earns more than you and presumably will be making most/all of the mortgage payments is paying more than you over the life of the loan so the only "fair" deal would be for him to get a proportional percentage of ownership BUT I bet you don't think that would be "fair". It might only...
Say I have a $5000 in wash sale losses 1099 **Wash Sale Loss Disallowed (Box 1g)**. Do I need to do anything at this point to try and recoup the loss? Assuming that I closed all positions shouldn't my Wash Sale Loss Disallowed be $0? Or was it because I didn't close the position at the end of the tax year?
Why is there Wash Sale Loss Disallowed on my 1099 when I close all positions?
Say I have a $5000 in wash sale losses 1099 **Wash Sale Loss Disallowed (Box 1g)**. Do I need to do anything at this point to try and recoup the loss? Assuming that I closed all positions shouldn't my Wash Sale Loss Disallowed be $0? Or was it because I didn't close the position at the end of the tax year? Can I ...
Hi so this is the first time i’ve properly been involved with a sugar daddy and he wants me to pay $50 for the USD to AUD conversion rate on pay pal. is this scam and should i just block him? i don’t want to get conned into anything
This is the first time i’ve properly been involved with a sugar daddy and he wants me to pay $50 for the USD to AUD conversion rate on pay pal. is this a scam and should i just block him? i don’t want to get conned into anything
(EDIT: This answer is based on the fundamentally different original question.) > Will they really replace the entire investment up to $250M ? You snipped out the part that answers your question. https://investor.vanguard.com/investing/account-protection "This coverage has an aggregate limit of $250 million for...
Regarding disparities in daily trading volume, all I can say is that Yahoo Finance is known for bad data and that Robinhood is a Mickey Mouse operation. Is that the case here? I don't know. If you want to check on the accuracy of option trading volume, do it in real time and compare brokerage firm numbers not second...
I am retired and rolled over my 401k. My husband has earned income for 2020. And he has retirement plan in his work. We already contributed $7000 each to Roth IRA. Can I contribute another $7000 to rollover ira for 2020?
From the 2/18 GameStop hearing: > Rep. Andy Barr: (02:01:32) [...] But Melvin lost $6 billion in 20 > trading days. Let me ask you about your risk management. **Did your > short positions exceed float?** What exactly does "Did your short positions exceed float" mean here?
What does "short positions exceed float" mean?
The idea of a "sugar daddy" or "sugar mommy" is that they give you money usually for sexual favours. Nothing particularly wrong with this in my view (others may disagree). Never, ever in a million years will a real "sugar daddy" ask you to pay any money. So yes, this is a scam. And you haven't met any "sugar daddy"...
The idea of a "sugar daddy" or "sugar mommy" is that they give you money usually for sexual favours. Nothing particularly wrong with this in my view (others may disagree). Never, ever in a million years will a real "sugar daddy" ask you to pay any money. So yes, this is a scam. And you haven't met any "sugar daddy"...
I purchased a lot with a condemned house on it from a friend for $27,000. I put down $1000 on it. They are financing for me. I no longer want the property and they are willing to reverse the sale or buy it back from me. What kind of paperwork do we need to do this properly? They sent me a Texas General Warranty Deed ...
> What exactly does "Did your short positions exceed float" mean here? The float is total amount of shares outstanding less the amount of shares held by institutions. Since some institutions lend shares, it's possible for the Short % of Float to exceed 100%. There has also been discussion here that shares can be...
Just so I have the concept correct. An option call is basically a bet between two people. One betting that the stock will go up while the other believes it will not. I can place an option call for example that will last 30 days or more? Covered and uncovered is using your own shares as the betting material and using so...
Options are basically bets between 2 investors?
My spouse did some work for Operation Bandana New Mexico last year, a nonprofit that makes face masks to donate to schools, etc. She got a 1099-NEC as expected with the income reported in box 1. However, this is the only box of the seven numbered boxes that have anything in them. Box 7 "State income" is blank, as ar...
I got 1099-NEC that reports box 1 income but no state income (box 7), is this possible or an error?
> An option call is basically a bet between two people. One betting that the stock will go up while the other believes it will not. That is true in its most simplistic form. However, there a more complex option strategies where both parties to the above transaction could want the stock to go up. For example, you...
> Will they really replace the entire investment up to $49.5M? Probably not because there's an aggregate limit of $250mm. I suspect the way it works is people with assets in excess of the SIPC coverage could recoupe some sort of proportional loss up to the $250mm aggregate but never more than $49.5mm. > What exa...
I am retired and rolled over my 401k. My husband has earned income for 2020. And he has retirement plan in his work. We already contributed $7000 each to Roth IRA. Can I contribute another $7000 to rollover ira for 2020?
I'm trying to understand how Margin Requirements work when trying to sell a Put Option without having sufficient cash to cover the Option in case it's assigned. For example, let's say I have $100 worth of equity all paid for (no margin balance) sitting on my account, and no more cash left for use without going into ...
Hi I'm new to stock trading and have a few questions: 1. If I put in $100 into a stock, the stock rises and I take out $120, do I only pay taxes on that extra $20? 2. If I put in $100 into a stock, can I write that off as a tax expense? 3. What is the best way to make your gains work for you? If I put in $100, and...
> If I put in $100 into a stock, the stock rises and I take out $120, do I only pay taxes on that extra $20? (You don't "put in" and "take out"; you **buy** and **sell**, just like any merchant at any local market.) Typically, **yes**. However, there are a myriad of exceptions (mainly, but not exclusively, to do...
I've entered my W2, 1099-B, 1099-SA, 1099-DIV, etc. on H&R Block. Now I'm seeing this: [![My H&R screen][1]][1] I'm in a state of ambiguity, because what are the W2's and 1099's for if I need to "estimate" here? Because I saw "FORM 1040" on the top left, I looked it up. [The 1040 wiki's][2] kind of overwhelmi...
Do I need to go through my payroll and enter the taxes for each quarter here? 1040, H&R
Here is my simplified wash sale scenario. Let's say I traded only 2 stocks last year: - XYZ for a total of $500 wash sale loss. - ABC for a total $1000 gain. Txns for XYZ: 1. 05/28/**2019** BUY 100 shares for total $2000 2. 09/02/2020 SELL 100 shares for total $1000 3. 09/15/2020 BUY 100 shares for ...
If the replacement shares for a wash sale are closed in the same tax year as the realized loss and there is no subsequent wash sale violation, you have a lot of tax accounting adjustments but the total loss can be deducted in that tax year. It's only a problem if the replacement share position isn't closed in that tax...
I run computer servers at home 24/7, and my home is in California. To power them, I would like to install solar panels and home battery backup system. Can I deduct this as a business expense for my California LLC?
Can home solar power installations be deducted as a business expense?
Can someone explain what all these mean? [![enter image description here][1]][1] (Apple's financials taken from google finance) [1]: https://i.stack.imgur.com/2058C.png
What do all these mean?
I was a part year resident in PA for tax year 2020. On line 10 of the PA Schedule B form the instructions are telling me to enter the capital gains from my federal Schedule D. But, unlike in the dividend section above which on line 4 allows me to enter the reduction amount for part-year residents, there is no line to e...
I was a part year resident in PA for tax year 2020. On line 10 of the PA Schedule B form the instructions are telling me to enter the capital gains from my federal Schedule D. But, unlike in the dividend section above which on line 4 allows me to enter the reduction amount for part-year residents, there is no line to e...
I'd like to buy things online with PayPal without using my "regular" bank account for security reasons. Heretofore I've handled this with prepaid Visa cards, but it's getting cumbersome to buy new ones, activate them, link them in PayPal, keep track of their current amount, and sometimes have issues for individual card...
I'd like to buy things online with PayPal without using my "regular" bank account for security reasons. Heretofore I've handled this with prepaid Visa cards, but it's getting cumbersome to buy new ones, activate them, link them in PayPal, keep track of their current amount, and sometimes have issues for individual card...
I did independent contract-style work for two days last year that paid me $222.67. The check accounted deductions for Medicare and Social Security. I also made $195 from redemptions of gift cards and subscription services extensions via redemptions of points earned from Microsoft Rewards. I did not do any other similar...
Got one check independent contract work that paid taxes for Medicare and SS. Should it still count as self-employment income?
Based in USA. How are dividends taxed if an individual does not have wages from labor?
How are dividends taxed if there is no wage income?
> An option call is basically a bet between two people. One betting that the stock will go up while the other believes it will not. That's the most fundamental / foundational understanding of an option contract (single). However, those who short options may be doing so simply to acquire cash flow in the form of...
> An option call is basically a bet between two people. One betting that the stock will go up while the other believes it will not. That's the most fundamental / foundational understanding of an option contract (single). However, those who short options may be doing so simply to acquire cash flow in the form of...
> An option call is basically a bet between two people. One betting that the stock will go up while the other believes it will not. That's the most fundamental / foundational understanding of an option contract (single). However, those who short options may be doing so simply to acquire cash flow in the form of...
Other answers advise you to get legal advice, and I agree that doing so would be advisable. In an ideal world, I presume you'd each like to contribute equally and own a 50% share of the house at all times. So let's make it happen! For simplicity in this answer, I'm going to assume some numbers. Let's say you're ...
There's another scenario where you can 'bet' like that. It's called insurance. I mean, at a simplistic level, insurance is a bet that you'll burn your house down, and the insurance company looks at probability, multiplies it by cost, adds a profit, and then sets a premium. Your outcome is in not winning the bet ...
In order to withhold money for Medicare and Social security the company would have had to know your social security number. They would have gotten your social security number from a W-4 or a W-9 form. The W-4 if you were an employee; a W-9 if they were expecting to pay you more than $600 as a non-employee. Lets as...
I am retired and rolled over my 401(k). My husband has earned income for 2020. And he has retirement plan in his work. We already contributed $7000 each to Roth IRA. Can I contribute another $7000 to rollover ira for 2020?
A QDRO allows a non-penalized distribution from a Roth IRA due to a divorce but what if money is taken out and used for alimony that is not specified in the QDRO? `Form 8606 Part III, Line 19` is where you declare any nonqualified distributions from a Roth IRA and according to the instructions for `Line 22`: >Increa...
Are you taxed on money withdrawn from a Roth IRA to pay for alimony?
How does Pennsylvania tax the following items for TREASURIES (purchased on the secondary market): + Accrued Market Discount (1099-B Box 1f) + Bond Premium on US Treasuries (1099-INT Line 12) + Accrued Interest Paid on Purchases (1099B) **Example**: + Treasury Interest: $1000 + Accrued Market discount: $300 ...
**Hire a lawyer to write a contract describing who will pay what, and the amount of equity you will both have over time. Be sure there is a buy-out clause both of you agree to.** The biggest problem is actually what happens if one of you decides to move out. It's not something you're thinking about as you're excit...