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I am trying to build a multi-factor portfolio which includes the Quality factor. However, I am having problem finding out which of the ETFs (that I am considering) has higher profitability / quality premium, and thus it contains more "quality" stocks as well.
I read the book "Your Complete Guide to Factor-Based Inve... |
If I take coins to the coin counter in a bank and don't have an account with them, can they give me half the amount worth and then refuse to give me back my change to go somewhere else? |
Can the bank legally deduct an amout from the coins I gave them? |
Can the bank legally deduct an amount from the coins I gave them? |
> if I invest $10000 and hold the stock for more than a year, will I be taxed Long Term Capital Gain rate on the yield ($1000) or will it be short term gain/ordinary income?
Depends on exactly how the deal is structured. If you buy an actual share in the company, there are no taxes due until you sell your share aga... |
My money manager typically reallocates my portfolio early in the year. That means the majority of my capital gains occur in Q1. Am I required to adjust for this in my quarterly taxes, trying to pay taxes according to which quarter the income was earned? Or, can I just estimate my overall capital gains for the year, ... |
Can I pay equal amounts of quarterly tax if my income is uneven? |
Others have shown how to the math correctly. I'll try to show where, exactly, you had it wrong.
Lets break up the equations in your sentence:
> he theoretically gets 100k of his share from the property (yes, it’s
> still IN the property) and after buying us out he will be
> theoretically negative 100k. (100k-20... |
Others have shown how to do the math correctly. I'll try to show where, exactly, you had it wrong.
Lets break up the equations in your sentence:
> he theoretically gets 100k of his share from the property (yes, it’s
> still IN the property) and after buying us out he will be
> theoretically negative 100k. (100k... |
## Background
* My permanent residence is in (mainland) Spain
* I'm studying at a university in the UK (specifically, Scotland)
* At the start of this academic year (September 2020), I moved to the UK for university
* Due to COVID, I have been "attending" university from home (Spain) since November 2020
* I have... |
*Remote* internship for a UK company as a Spanish resident — they want me to go to the UK? |
Others have shown how to do the math correctly. I'll try to show where, exactly, you had it wrong.
Lets break up the equations in your sentence:
> he theoretically gets 100k of his share from the property (yes, it’s
> still IN the property) and after buying us out he will be
> theoretically negative 100k. (100k... |
I might take a software contracting job, and the agency has a 401(k) plan, but just 0% matching.
But it seems a little bit weird: what does it mean, is it a way for us to put more money in than an IRA or Roth IRA?
IRA and Roth IRA also has a limit that, when our salary is more than some amount per year, we *canno... |
Is 401(k) plan without any matching like an IRA? |
A. You should not do this.
B. You are talking about profit, but no guarantee of that. Could be a big loss.
If you want to do it though, it's actually pretty simple: Each party (couple?) should put down the same amount of money and be equal owners, sharing equally in any (possible) later sales proceeds. Your brother... |
There seems to be a lot of speculation here. How about a few **concrete sources**?
From the [U.S. Department of Labor][1]:
> The Fair Labor Standards Act (FLSA) does not require payment for time not worked, such as vacations, sick leave or federal or other holidays. These benefits are matters of agreement betwee... |
**tl;dr:** Is there any definitive guide to the allowed timeframe for disputing CC transactions? The answers seem to vary widely. Does everyone need to call their bank for any specific transaction to find out?
**Motivation for this question:**
I purchased an item on Jan 30, 2021 that is shipped in 2 parts. Part 1 w... |
Is there a standardized time-limit for disputing credit card charges? |
So im learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both? |
My money manager typically reallocates my portfolio early in the year. That means the majority of my capital gains occur in Q1. Am I required to adjust for this in my quarterly taxes, trying to pay taxes according to which quarter the income was earned? Or, can I just estimate my overall capital gains for the year, ... |
So I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both? |
Why do some banks charge a fee for a low account balance? |
Does my employer inform me whether or not I am a highly compensated employee? If not, how do I find out, other than getting money refunded at the end of year if my company was over their 401k HCE contribution limit? Do I need to just email Payroll and ask?
I know there are 3 criteria: own more than 5% of the company, ... |
How Do I Know If I Am a Highly Compensated Employee? |
I have a UK day work and also do some freelance stuff. I will start to work as a freelance for a Swiss university and for a Canadian organisation. I will invoice them in CHF and USD respectively as agreed.
I wonder whether it would be better to use my Revolut USD and CHF accounts, or just my GBP bank account, so I w... |
My fiancé has been seeing a PTSD therapist for about five weeks, paying out of pocket for the sessions until her medicare deductible was met so she would be covered.
We just got a call from the therapist telling us that, miraculously, we now have to switch to medicaid for them to 'continue covering the sessions' n... |
Do we have to pay deductibles on medicare and medicaid separately? |
> The idea is! I just don't understand how stock prices go up and down. I understand that during IPO, company would get all the money that got collected selling the IPO stocks and then that is it! Once the stocks are listed on secondary market whatever transaction is happening will be between Buyer and Seller and of co... |
> The idea is! I just don't understand how stock prices go up and down. I understand that during IPO, company would get all the money that got collected selling the IPO stocks and then that is it! Once the stocks are listed on secondary market whatever transaction is happening will be between Buyer and Seller and of co... |
Nationalization carries a broad range of meaning. In some cases a government might choose to nationalize a company or even an entire industry (Jose Lopez Portillo did this in Mexico in the 1980s when he nationalized the banks to seize the dollar accounts that Mexican citizens could keep in Mexican banks) and provide c... |
Your thinking is way off. If he buys you out at 100k each, he started with 100k worth of the house and now owns a 300k house and is out 200k cash for no change. If he sells the house he is now +100k cash as are the two of you. This is the appropriate accounting if the house is worth 300k.
The point that there a... |
So my friend has a company that seeks investments from friends and family (possibly other acquaintances too). They invest these funds into stocks, etfs, derivatives, etc using their patented algorithms and constantly learning more. Let's say they guarantee a 10% return per year. (I asked and they said they tested their... |
If have 3000000 shares at ave price of 10.8c per share and want to purchase another 50000 shares at 60c per share in same company what will my average price per share change to ? |
> Absolute beginner question? Why should I buy a company's share? What am I entitled for?
By buying a company's share, you are one of the many owners of the company.
You are entitled to your share of the company's profits from here to eternity.
Companies are an inflation-protected form of investment. If a comp... |
I might take a software contracting job, and the agency has a 401(k) plan, but just 0% matching.
But it seems a little bit weird: what does it mean, is it a way for us to put more money in than an IRA or Roth IRA?
IRA and Roth IRA also has a limit that, when our salary is more than some amount per year, we *canno... |
Trying to file income taxes and the code in box 1 on my 1042-S is 42 (earnings as an artist...) do you recommend entering this amount as “other income” or will it be as if I’m “self-employed” ??
I’m a US citizen, I made money from a Canadian company and they gave me this form for my filing, the 1042-S.
Is there ... |
If have 3,000,000 shares at an average price of 10.8c per share and want to purchase another 50,000 shares at 60c per share in same company, what will my average price per share change to? |
Though it's not always the case, usually people average down the price,so they will make more profit when the stock price goes up (assuming they take profit at the higher price). Buying the dips is one of the long term investor strategies. As you can see from the other answer your average will go up from 10.8 to 11.6 ... |
My 52 y.o.hubby owns a rental property. Sell? When? |
My hubby owns a house we rent. The tenants are great but hubby is taking a cash flow LOSS (less than $400/mo) but the equity is rising nicely... (14% last year, 54% over the last 5). I want him to easily pay off or pay down the mortgage I'm carrying on my house so he'll be comfortable if/when I keel over. He's 52 year... |
I'm looking into reselling (flipping) retail merchandise on Amazon with FBA. I'm in Canada, I expect profit margins to be tighter.
One thing I'd like to know is if incorporating could save me from the tax burden. Does a company pay all the taxes when buying retail? Can they mark some off in their tax report? What ar... |
Honestly? Because they can. If they are not making money by investing the money you give them to keep in your account, they'll find another way to keep their stock holders happy and to pay their higher-ups. The President of my bank made over 13 million last year. |
Is there a limit on how much your HSA will cover? I'd talk to your personnel office. Also, I believe that money left over at the end of the annual cycle goes away, but that's another question for personnel |
I am going to buy a house, but considering buying it under my LLC to protect me from losing the property in the event of a potential law suit. What are the financial implications of doing this if any? |
I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both? |
One way is to have the person sending you the check take pictures of the front and back of the check and then email them to you. Print the pictures out and use your bank's mobile app to deposit them.
If you need to physically walk into a bank with a paper check then there's no practical way to do what you're asking... |
My husband owns a house we rent. The tenants are great, but my husband is taking a cash flow loss (less than $400/mo). However, the equity is rising nicely - 14% last year, 54% over the last 5. I want him to easily pay off or pay down the mortgage I'm carrying on my house so he'll be comfortable if/when I die. He's 52 ... |
My 52 year-old husband owns a rental property. Sell? When? |
I got the full amount for the third stimulus check. ($5,600 for a family of 4)
I just did my taxes for the 2020 year and an online calculator shows that I would have gotten $4,000 less if I had filed my taxes at in February.
Generally, the IRS is well known for collecting all the money it is owed.
So I want to... |
Will I have to repay some of the 3rd stimulus check? |
I am going to buy a house, but considering buying it under my LLC to protect me from losing the property in the event of a potential law suit. What are the financial implications of doing this if any?
The idea is to protect the property in the event that I am personally sued. For instance, a car accident occurs which ... |
I did research on the previous posts but could not find an answer that matches my exact situation. I understand IRS definition of wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you buy substantially identical stock or securities, and the identical stock... |
From my understanding, SPAC units are sold during SPAC IPOs. Later, these units can be converted into shares and warrants. What I don't understand is: why is it necessary to issue units in the first place? Why not issue shares and warrants only? The existence of units means that three types of securities could be tradi... |
Why do SPACs issue units instead of shares and warrants only? |
From my understanding, SPAC units are sold during SPAC IPOs. Later, these units can be converted into shares and warrants. What I don't understand is: why is it necessary to issue units in the first place? Why not issue shares and warrants only? The existence of units means that three types of securities could be tradi... |
I was reading the Dhandho Investor by Mohinish Pabrai, and I came acorss this table [The DCF table of Papa Patel][1]. In context to this table the author goes in to say that for and investment of 5000$ the owner makes a 21 bagger. He further adds on to say that the annualized return in well over 50%. Could someone tell... |
How to calculate annualized returns given table of DCF? |
I was reading the Dhandho Investor by Mohinish Pabrai, and I came acorss this table:
![The DCF table of Papa Patel][1].
In context to this table the author goes in to say that for and investment of 5000$ the owner makes a 21 bagger. He further adds on to say that the annualized return in well over 50%. Could so... |
The IRS has done a good job of creating a FAQ for each change in the tax law regarding these payments, they have even updated them as the situation has changed:
From the IRS: [Questions and Answers about the Third Economic Impact Payments — Topic H: Reconciling on Your 2021 Tax Return][1]
> **I received a Thi... |
Does my employer inform me whether or not I am a highly compensated employee? If not, how do I find out, other than getting money refunded at the end of year if my company was over their 401k HCE contribution limit? Do I need to just email Payroll and ask?
I know there are 3 criteria: own more than 5% of the company, ... |
I am making my first baby steps in learning about future contracts.
In the option market there is something like a covered call, where one can limit the upside risk to the loss of the shares one already ownes. Is there something similar in the futures market?
As my understanding, upon selling a futures contract w... |
Is there something like a covered call for futures? |
Is there an ETF that has done consistently better than VGT over multiple date ranges? |
There is a company I am familiar with that is the target of an SPAC. I'm unfamiliar with investing in SPACs, but what I have learned is that more often than not, the price of the ticker drops after the merger is complete. While there are a variety of reasons that may lead to this, in my research something of note stood... |
Why is it common to selloff SPAC shares just before merger? |
Is there an ETF that performs consistently better than VGT over multiple date ranges? |
Suppose I move to the US partway through the year and start working. I will file a dual-status tax return. My employer offers a 401k plan and I want to contribute as much as I am permitted. I understand the maximum employee contribution for 2021 is $19,500.
Despite not being a tax resident (or any other kind of r... |
Are 401k and IRA contributions reduced for new, part-year, US residents? |
Odd situation. My son was a dependent on our 2019 return but not 2020. We both filed our 2020 returns a few days before the EIPs began -- my wife and I as joint filers (minus one dependent--our son) and our son as a non-dependent single filer. The following week my wife and I received the EIP with our son still counted... |
> trading in an ETF’s underlying stocks would be required if investors were to sell enough shares to prompt the redemption of 5 per cent of assets under management. - [Emma Boyde, Financial Times][1]
I don't understand why? Is it in order to have the index keep up with the value of the stocks it is reproducing the v... |
Why would trading in an ETF’s underlying stocks would be required if investors were to sell enough shares? |
The IRS has done a good job of creating a FAQ for each change in the tax law regarding these payments, they have even updated them as the situation has changed:
From the IRS: [Questions and Answers about the Third Economic Impact Payments — Topic H: Reconciling on Your 2021 Tax Return][1]
> **I received a Third E... |
I am an EU citizen, living in Germany.
I was offer the possibility to work 100% remotely for a company in Switzerland, a "classic" employment contract. I will not be an Grenzgänger. I understood that I need to pay taxes were I work, so in Germany.
My questions are:
1. Do I need to pay remote work tax contributions... |
Living in Germany, working remotely for a Swizz Company- taxes? |
Living in Germany, working remotely for a Swiss Company- taxes? |
We moved out two months earlier than our lease ends but still fully prepared to keep paying rent until may. We were responsible for getting the lawn mowed but for some reason the guy who was mowing our lawn before we moved would not answer his phone so I had my dad go over there and mow it because we are in a different... |
Why would trading in an ETF’s underlying stocks be required if investors were to sell enough shares? |
I am having a slight trouble in understanding this. I seriously do not know what it means by "G-secs".I have heard this word in the article posted below.What does it mean when someone says government securities?Please refer to the article below.
https://currentaffairs.adda247.com/rbi-to-conduct-bond-purchases-for-rs-... |
What is " G-secs"? |
I am using the yfinance (Yahoo Finance API) library to retrieve crypto prices (e.g. ETH-USD). I am trying to figure out when the next line (i.e. current day or previous day) will be available. In other words: the close time of the previous day is which time in which timezone?
When I examine the ticker graph I can't... |
1. I believe it is NOT LEGAL. You're the tenant, you are not behind in rent, so only YOU have USE of the property.
2. I fear the best thing you can do is phone this idiot and say
> "Hi Steve. Why are you living in the house? **We have already phoned the police because** we were so shocked to see some person in ... |
The answer is right there in the article (bold added):
> What are government securities or G-Sec?
>
> * Government securities are **the debt instruments which are issued by the government to borrow money**. It is divided into two categories
> namely,
> * Treasury bills are short-term instruments. They g... |
I am having a slight trouble in understanding this. I seriously do not know what it means by "G-secs".I have heard this word in the article posted below.What does it mean when someone says government securities?
I am seeing the term used in [this article][1]:
> Reserve Bank of India (RBI) has announced that it w... |
This question concerns Social Security payment in USA.
Looking on AARP website (https://www.aarp.org/retirement/social-security/benefits-calculator/), it seems your monthly benefits are calculated based on your best 35 years.
I'm a couple of months short of my full retirement age and have not started to take the bene... |
We moved out two months earlier than our lease ends, but are still fully prepared to keep paying rent until May. We were responsible for getting the lawn mowed, so I had my dad go mow it. While he was there, he saw my landlord living there; is that legal?
Can my landlord still make us pay for the rent even though h... |
Can my landlord live in a property I rent if I move out before the lease ends? |
To play devil's advocate: The landlord living in the house isn't actually costing you anything compared to having it sit empty. Your agreement with the landlord was that you would continue to pay rent unless *you* found someone to take over the lease, which you didn't. Now, since your lease is still valid, you have the... |
I am having a slight trouble in understanding this. I seriously do not know what it means by "G-secs". I have heard this word in the article posted below. What does it mean when someone says government securities?
I am seeing the term used in [this article][1]:
> Reserve Bank of India (RBI) has announced that it ... |
What are "G-secs"? |
This question concerns Social Security payment in USA.
Looking on AARP website (https://www.aarp.org/retirement/social-security/benefits-calculator/), it seems your monthly benefits are calculated based on your best 35 years.
I'm a couple of months short of my full retirement age and have not started to take the bene... |
There is a technique called the Elliott wave which explains these 'shocks'. The reversal directions you are questioning are part of the pattern, it is known as corrections.
The Elliott wave is an indicator based on psychology of investors. Think about it this way, if you see a huge up trend what are you most likely ... |
For many less popular stocks, looking at historical data shows "gaps" for which there is no information. For example, here are a couple days in March at 1-minute granularity for such a stock from Yahoo! Finance:
[![Sparse historical data][1]][1]
Why are there so few minutes represented on this chart? Is data *m... |
What does it mean when there are gaps in historical stock aggregates (bars)? |
To play devil's advocate: The landlord living in the house isn't actually costing you anything compared to having it sit empty. Your agreement with the landlord was that you would continue to pay rent unless *you* found someone to take over the lease, which you didn't. Now, since your lease is still valid, you have the... |
I have a (probably very simple) question to which I haven´t been able to wrap my head around.
Say I have a company, and I am told that it is worth 1 USD (100% of the company).
My friend, who has 1 USD, asks me if we can join forces. He puts in 1 USD, I put in my company (1 USD), and we now each own 50% of the com... |
Investor Paradox. How much is a company worth? |
When the first two stimulus checks were issued I received physical checks for $1200 and $600. For various reasons, these checks were never deposited or cashed in any way. Now I'm trying to do my taxes and I'm unsure how to handle the situation with the Recovery Rebate Credit.
Do I:
a) For lines #5 and #8 do I t... |
How to handle a stimulus check that was never deposited? |
What does the green area called "**Not funded by you**" represent in this type of college 529 calculator?
Source calculator [here][1].
[![enter image description here][2]][2]
[1]: https://vanguard.wealthmsi.com/csp.php
[2]: https://i.stack.imgur.com/izngH.png |
What does "not funded by you" mean in Vanguard's college savings planner? |
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