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What is CAN PRO?
I'm a full time employee on monthly salary, all done by the book. I'm thinking of doing some part time contracting in my spare time, maybe 15 hours per week. How can I estimate how tax will effect me, do I have to notify my current workplace of the extra jobs I'm doing, or can I handled taxes myself (prefered) ...
How can I work out how much a side-job contracting will be taxed for?
After looking into joining a gym, I can't help but notice that all of them require a credit or debit card or a checking account number to join. I've also noticed that the contracts they require you to sign are very wordy and borderline shady. For example, you have to send a written notice to the gym via certified mai...
Safe method of paying for a Gym Membership?
Shady isn't quite the right word. They know that most of their customers are going to quit soon after they begin -- as in "before the end of January" -- so they lock you in while you're motivated. And of course they're going to make it difficult for you to quit. No choice but to read their contract, understand it ...
Let's say I am trading in a Reg-T Margin account. When entering a Futures contract, a certain amount of cash is needed as collateral (usually 5%-15%). I'd like to see that collateral generate income instead of being idle. Examining my account closely, I observe: * My margin requirement has increased with the exac...
When entering a Futures contract, must the margin deposit be idle or can I profit from it?
Diversification in an investment portfolio is generally recommended. Can my portfolio benefit from avoiding investment in my local economy? When browsing several US sites for investment advice, they usually allocate a significant amount of resources to US stocks. I'm Dutch, and Dutch sites i know of seem to allocate...
Including the region where you live in your investment portfolio?
New York state actually has [laws protecting gym members from predatory gym membership pricing][1]. Your state may also have laws like that as well. [1]: http://www.newyork.bbb.org/SitePage.aspx?site=24&id=24ffca5e-bdda-40bb-997d-f3bae7a155f2
Why bother with the ETF? Just trade the options -- at least you have the ability to know what you actually are doing. The "exotic" ETFs the let you "double long" or short indexes aren't options contracts -- they are just collections of unregulated swaps with no transparency. Most of the short/double long ETFs also o...
Interest rates are at a record low and the government is printing money. You can get a fixed rate loan at a rate equal to inflation in a healthy economy. Unless you *know* that you are moving in < 5 years, why would you expose yourself to interest rate risk when rates are about as close to zero as they can be? If yo...
I am looking over some paperwork for a 5/1 ARM. The loan information is as follows: Interest Rate: 2.75 - Lifetime Cap: 5.00 - First Adjustment Cap: 1.00 - Annual Cap: 1.00 - Margin: 1.75 I understand that my first 5 years would be predictable at 2.75% but what are some scenarios that could happen o...
Besides overnight news events and auction mechanisms there is a more fundamental reason the price of a stock is always moving. Theoretically the stock price will move slightly even in the unlikely scenario that absolutely nothing of interest happens during the entire night. Let me go into that in some more deta...
It's almost like why don't you wake up in the morning feeling exactly like you slept the earlier night? yeah, once in a while that'll happen, but it's not designed to be that way. Stuff happens. The close of the stock is what happened at 4 PM (for US stocks). The "open" is simply the first price ever, or an open pri...
I live in Maryland and we have our energy delivered from BGE (Baltimore Gas & Electric). That means they manage and service the power lines and I have no choice in that matter. We do however, have the option to have a different energy supplier. That means that I can purchase the energy from someone else at a differen...
Do I have to list my child's social security number on my income taxes to take a child exemption? What if my child doesn't have a [social security number][1]? [1]: http://en.wikipedia.org/wiki/Social_security_number#Non-universal_status
Do I have to list a SSN to take a child exemption?
Probably not. I expect you will need to get your rent receipt problem sorted out first before you receive another rebate. You kept a copy of your receipts, I hope? Better yet, you should keep the originals and only send in copies.
If I total up my unsecured line of credit and the limits on my credit cards, it comes to over $100,000. This amount of money would last a long, long time in somewhere like Honduras or the south Pacific. What is stopping me from withdrawing to the limit on all of these at once and then fleeing the country? Why don't ...
Why don't more people run up their credit cards and skip the country?
Ether makes a good point on always keeping a copy of the receipts you send in. However, you likely **will** receive your OSTTB cheque, even with the outstanding debt to CRA. While in your case the debt arose due to a filing error, fundamentally the issue is the same as if you had owed money to begin with. Refer to...
If I total up the amount available on my unsecured line of credit and the limits on my credit cards, it comes to over $100,000. This amount of money would last a long, long time in somewhere like Honduras or the south Pacific. What is stopping me from withdrawing to the limit on all of these at once and then fleeing ...
Freakonomics may not be the most authoritative guide to the us tax code, but this excerpt suggests that you need an SSN for each dependent: > Some cheating leaves barely a shadow of evidence. In other cases, the evidence is massive. Consider what happened one spring evening at midnight in 1987: seven million America...
*Disclaimer: I am going to mention the investment company that I am using, but I am not related in any way with this company, is just to exemplify my question.* ----- I am currently using [foliofn.com][1]. They charge $290 per year, for unlimited window trading. You can trade ETF, Mutual Funds, Stocks and othe...
How to calculate the investment fees your portfolio is paying?
Are you better off going with the BIG energy provider in town or a smaller competitor?
It's harder than you think. Once card companies start seeing your debt to credit line ratios climb, they will slash your credit lines quickly. Also, cash credit lines are always much smaller, so in reality, such a scheme would require you to buy goods that can be converted to cash, which dilutes your gains and make...
I use Quicken to track investments. I'd like to track performance. Here is a situation that feels wrong: - I buy stock S for $10/share. - I hold for 5 years. - I sell S at $20/share and buy S2 for $20/share. At the moment of sale, Quicken now says S2 has a cost basis of $20/share. However, I originally boug...
How do I track investment performance in Quicken across rollovers?
Negative Gearing is a feature of Australian taxation where losses from real estate or share investments can be offset against assessable income. In simple terms the difference between rent and interest and maintenance fees for investment property can be claimed as a deduction on your income tax. As a result many indivi...
Negative Gearing is a feature of Australian taxation where losses from real estate or share investments can be offset against assessable income. In simple terms, the difference between rent, and interest and maintenance fees for investment property can be claimed as a deduction on your income tax. As a result, many...
Do other countries have the equivalent of Australia's Negative Gearing?
What is the name of inverse of synergy? (finance)
Number 2 cannot occur. You can buy the call back and sell the stock, but the broker won't force that #2 choice. To trade options, you must have a margin account. No matter how high the stock goes, once "in the money" the option isn't going to rise faster, so your margin % is not an issue. And your example is a bit tr...
I am learning about investing in multifamily real estate (apartments). I understand some of the key figures for evaluating multifamily properties, such as CAP rate and cash-on-cash returns. All of these calculations rely on historical revenue and expense data provided by the seller. The seller should be motivated ...
How much should I trust seller's expense and revenue data in evaluating multifamily real estate investment?
I am learning about investing in multifamily real estate (apartments). I understand some of the key figures for evaluating multifamily properties, such as CAP rate and cash-on-cash returns. All of these calculations rely on historical revenue and expense data provided by the seller. The seller should be motivated ...
Let's take a commodity as an example - oil. Suppose there is suddenly a high demand for a 30-day oil futures contract. Will that push up the spot price on oil? I would guess that this would affect the spot price, regardless on whether the purchasers decide to take delivery of the oil, because this would show confide...
Does a high demand for long commodities Futures push up the underlying spot price?
[This answer][1] describes the lowered expense ratios of Vanguard admiral shares compared to Vanguard investor-class shares. How do I tell from my statements that I am saving money through the lowered expense ratios? In my current Vanguard accounts I don't pay any fees explicitly (i.e. they are not itemized on my s...
Where do expense ratios show up on my statement?
Knowledge is power, especially in real estate. Everyone else is out for themselves. Need to estimate repairs? Pay someone (who won't be in the running to fix any problems) for their time to see what the big gotchas are. Want to be sure of occupancy rate? Ask for rental agreements and cancelled checks. Get pro...
What are the best software tools for personal finance? Please list what you like about the software you use.
What are the best software tools for personal finance?
I understand the Carry Trade mechanism, but I wonder why it works, or why it doesn't work. **Interest Rates** Each currency has an interest rate associated with it. The Yen (JPY) has historically had a very low interest rate, while the Australian Dollar (AUD) has one of the highest rates in the world. **Carry Tr...
Why does Currency Carry Trade work?
Does anyone know if the fund manager names are listed in any Edgar Filings and if so which form type they are listed in? Thank you
[This answer][1] describes the lowered expense ratios of Vanguard admiral shares compared to Vanguard investor-class shares. How do I tell from my statements that I am saving money through the lowered expense ratios? In my current Vanguard accounts I don't pay any fees explicitly (i.e. they are not itemized on my s...
Assuming that I can afford it: should I try to max contribute ($5k) to my Roth IRA as soon as possible in the tax year or break up the contributions evenly throughout the year?
Should I try to max contribute to my Roth IRA asap?
More often than not the market will rise year on year. Your best move is to put the $5000 in on Jan 2. Are you in the 15% bracket? If not, that is, if higher, I'd suggest the traditional, deductible, IRA.
I've got a transfer limit of 1k on my account at a bank. At one point in time, I wanted to transfer a larger sum (upper 4 digit range) from this account to another account at a different bank. To work around the limit temporarily, I split the amount into multiple smaller values and transferred them independently within...
Is transferring money in multiple small transactions dangerous?
I just joined this site, so I'm not sure if this is an appropriate question, so please forgive me if it's not. I've been reading a lot about the impending bankruptcy of Ireland / Portugal / Spain etc. and how this could mean the end of the Euro. I cannot connect the dots here. Why would this mean the demise of the E...
I've been reading a lot about the impending bankruptcy of Ireland/Portugal/Spain etc. and how this could mean the end of the Euro. I cannot connect the dots here. Why would this mean the demise of the Euro?
Why could serious financial woes of EU members states lead to the end of the Euro?
Why could the serious financial woes of some EU member states lead to the end of the Euro?
What is the most reliable and up-to-date source for getting world currency exchange rates?
What Is The Most Reliable Source For Getting Real Time Exchange Rates?
I am using the IRA Calculator from one of the main tax software. [Link here][1] After I put the information of my spouse and I, it comes out saying that there is no marginal tax saving for neither of us. I need to understand what is excluding us from getting the benefit of opening an IRA account. We are both ...
Why opening a traditional IRA is not helping my tax forecast for 2010?
I don't think that you'll notice a difference in the NAV in a fund with fees that are low as the Vanguard Total Stock Market Fund. Their management fees are incorporated into the NAV, but keep in mind that the fund has a total of $144 *billion* in assets, with $66 *billion* in the investor class. The actual fees repres...
I am using the IRA Calculator from one of the main tax software. [Link here][1] After I put the information of my spouse and I, it comes out saying that there is no marginal tax saving for neither of us. I need to understand what is excluding us from getting the benefit of opening an IRA account. We are both ...
The cutoff for Roth is higher, $166K for MFJ. If you are under this number, why not take advantage and start a Roth IRA? BTW - My employer 401(k) takes 2 weeks to change % contribution, so even today I can impact the 2 December checks. The maximum withholding is 75% for our plan, so even now, I could catch up a bit...
I have read about online trading sites that allow you to buy and sell stocks. How much time would I have to invest in buy/sell/research in order to make a profit? Does anyone have any experience doing this? I've also read about computer trading that may detract from or give an unfair advantage to the individuals...
How much time would I have to spend trading to turn a profit?
I'm only spending roughly half of what I earn; should I spend more?
I have an idea. Keep saving what you are and think "Early Retirement". Work for 20 years, then do whatever you want 40 hours a week. If your satisfied with your current lifestyle, start thinking of your bigger long term financial goals and when you want to accomplish them by. Maybe you can accomplish these sooner t...
I am using the IRA Calculator from one of the main tax software. [Link here][1] After I put the information of my spouse and I, it comes out saying that there is no marginal tax saving for neither of us. I need to understand what is excluding us from getting the benefit of opening an IRA account. We are both ...
I have an idea. Keep saving what you are and think "Early Retirement". Work for 20 years, then do whatever you want 40 hours a week. If your satisfied with your current lifestyle, start thinking of your bigger long term financial goals and when you want to accomplish them by. Maybe you can accomplish these sooner t...
I use to think that there was something wrong with me because I have always hated spending money. This has allowed me to always be saving quite a bit of my income. Since I don't enjoy spending it, why am I making and saving it (besides for an emergency fund)? I've come to the realization that I enjoy my free time ...
The suggestions towards retirement and emergency savings outlined by the other posters are absolute must-dos. The donations towards charitable causes are also extremely valuable considerations. If you are concerned about your savings, consider making some goals. If you plan on staying in an area long term (at leas...
As part of introducing the HST this July 1st, 2010, the government of Ontario, Canada promised to issue special HST rebates to people meeting certain criteria, in order to ease the transition to the new tax. See [Ontario harmonized sales tax (HST) transition benefit rebate cheques / OSTTB: Who, when, how much?](http...
$10k isn't really enough to make enough money to offset the extremely high risks in investing in options in this area. Taking risks is great, but a sure losing proposition isn't a risk -- it's a gamble. You're likely to get wiped out with leveraged options, since you don't have enough money to hedge your bets. Timing i...
Do you know of any online monetary systems?
You say you want a more "stable" system. Recall from your introductory economics courses that money has three roles: a medium of exchange (here is $, give me goods), a unit of account (you owe me $; the business made $ last year), and a store of value (I have saved $ for the future!). I assume that you are mostly co...
In my [recent question][1], I asked how to operate with options. Now I would like to see whether I learned anything. At this moment, Gold is rising. Fast. As I see it, in the future, the gold price has to come down (just like houses peaked and then dropped). If I want to bet against gold, I should buy a 'Put option'...
I've been told that high inflation rates lead to high cost of capital for businesses (in one of the answers here - http://money.stackexchange.com/questions/4534/high-leverage-inflation-hedges-for-personal-investors). My question is: Consider a company like Microsoft, with billions and billions of dollars in cash ...
Does High Inflation Help or Hurt Companies With Huge Cash Reserves?
Hit there , i am currently living in Switzerland. And Switzerland has been known for decades as a attractive location for Companys. Indeed there are a couple of American Companys in Zürich. What i question myself is : The life in Zürich is really expensive ( like in London ), but still people come and live he...
What are the advantages of Switzerland?
I am currently living in Switzerland. Switzerland has been known for decades as an attractive location for companies. Indeed there are a couple of American companies in Zürich. What I ask myself is: Living in Zürich is really expensive (like in London), but still people come and live here. Salaries are also hi...
The cost of living is quite high in New York City. It has the highest CPI (Consumer Price Index) of any city in the U.S. Salaries also tend to be highest in NYC. Just about any bicycle lock sold in the U.S. has an exception in its warranty for NYC. It is the most populous American city. So, why do people deal wi...
Does high inflation help or hurt companies with huge cash reserves?
Your plan already answers your own question in the best possible way: **If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option.** T...
Your plan already answers your own question in the best possible way: **If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option.** T...
Your plan already answers your own question in the best possible way: **If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option.** T...
I live in Cyprus, and I have been considering ways to get started with some basic investments in the US. After a little, and I mean little, research it seems that Index Funds, Bond Index Funds and Gold are a good fit. I am not particularly money oriented, so I am looking for something that will give me something be...
Is it worth investing in Index Fund, Bond Index Fund and Gold at the same time?
Switzerland was once known for its high regard for private property rights. Recently it is has started to violate those rights by forcing [banks][1] to turn over the names of account holders to the US government. Not a great trend. Another aspect that makes Switzerland an attractive place for people and businesses...
So we were having a discussion about what we would all do if we were unfortunate enough to have our homes go into foreclosure. I asserted that all the appliances and even window blinds would still be my property. I would be allowed to keep my washer, dryer, fridge, dishwasher, blinds and even any fancy light socket c...
In my [recent question][1], I asked how to operate with options. Now I would like to see whether I learned anything. At this moment, Gold is rising. Fast. As I see it, in the future, the gold price has to come down (just like houses peaked and then dropped). If I want to bet against gold, I should buy a 'Put option'...
Your plan already answers your own question in the best possible way: **If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option.** T...
I'd say neither. Index Funds mimic whatever index. Some stocks that are in the index are good investment opportunities, others not so much. I'm guessing the Bond Index Funds do the same. As for Gold... did you notice how much gold has risen lately? Do you think it will keep on rising like that? For which period? (Hint:...
Your plan already answers your own question in the best possible way: **If you want to be able to make the most possible profit from a large downward move in a stock (in this case, a stock that tracks gold), with a limited, defined risk if there is an upward move, the optimal strategy is to buy a put option.** T...
This might seem like a silly question, but I have a few things that make this quite difficult for me. 1. I do not live in my home country and the market here is not a market I would like to be investing in. Good place to live though. 2. I have been fortunate to always generate a good income by focusing on my core...
This might seem like a silly question, but I have a few things that make this quite difficult for me. 1. I do not live in my home country and the market here is not a market I would like to be investing in. Good place to live though. 2. I have been fortunate to always generate a good income by focusing on my core...
How do I get into investing?