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Check out [CitiGold][1] from Citibank. Not sure about incoming **international** wires but everything else seems to be covered.
[1]: https://online.citibank.com/US/JRS/pands/detail.do?ID=Packages |
I have made substantial gains in the stock market this year on stocks that I have held long term (> 1 year).
I understand that when I sell this stock, I will pay 15% capital gains tax.
I have heard that the capital gains tax is going up to **20%.**
Three questions:
1. Is this true?
2. When is the last da... |
Changes in Capital Gains Tax in the US - Going to 20%? |
If you cannot find cheap enough World ETFs for private investors, perhaps, you should do it yourself. The cheapest World-dividend-reinvested ETF, to my knowledge at the moment, is Amundis' CW8 FP (bloomberg ticker), TKA is higher than [0,38% for man.fee][1], but needs some research here to find the cheapest. Some alert... |
If you cannot find cheap enough World ETFs for private investors, perhaps, you should do it yourself. The cheapest World-dividend-reinvested ETF, to my knowledge at the moment, is Amundis' CW8 FP (bloomberg ticker), TKA is higher than [0,38% for man.fee][1], but needs some research here to find the cheapest. Some alert... |
If you cannot find cheap enough World ETFs for private investors, perhaps, you should do it yourself but warning it is getting harder, see below the articles.
The cheapest World-dividend-reinvested ETF, to my knowledge at the moment, is Amundis' CW8 FP (bloomberg ticker), TKA is higher than [0,38% for man.fee][1], ... |
If you cannot find cheap enough World ETFs for private investors, perhaps, you should do it yourself but warning it is getting harder, see below the articles.
The cheapest World-dividend-reinvested ETF, to my knowledge at the moment, is Amundis' CW8 FP (bloomberg ticker), TKA is higher than [0,38% for man.fee][1], ... |
The top long-term capital gains tax rate will rise to 20% effective 1 Jan, 2010, unless Congress decides to do something about it before then. (Will they? Who knows!! There's been talk about it, but, well, it's Congress. *They* don't even know what they're going to do.)
Anyway. If you sell a stock *with capital loss... |
The top long-term capital gains tax rate will rise to 20% effective 1 Jan, 2010, unless Congress decides to do something about it before then. (Will they? Who knows!! There's been talk about it, but, well, it's Congress. *They* don't even know what they're going to do.)
Anyway. The rules about when you can sell stoc... |
I am 26, I have never had a credit card because I have seen them ruin peoples credit.
I try my best to not live beyond my means, and not having a credit card is one of the ways I do that. I save to buy those big items. If I were to get one I am afraid I would buy too much unnecessary stuff and go in debt.
I hav... |
Should I get a credit card? |
I can't answer the question if you should or shouldn't get a credit card; after all, you seem to manage fine without one (which is good). I started using credit cards when I lived in the UK as the consumer protection you get from a credit card there tends to be better than from a debit card.
I'd also treat it as a d... |
It seems to me that, if you want to teach children at an early age about the benefits of careful personal finance, and other fun concepts (like an intuitive understanding of compound interest), paying an allowance that's directly related to chores or work around the house is probably a bad idea.
Are there any formal... |
Is it a good idea to teach children that work is linearly related to income? |
Instead of P/BV only and P/E and Debt/Own capital, and other like that ratios could someone use instead :
1. VAR/IVAR/TVAR ?
2. Free Cash Flow
3. Trend of Moving Average of Closing prices in his arsenal ?
Simultaneously.
? |
Instead of P/BV only and P/E and Debt/Own capital, and other ratios like that could someone use instead:
1. VAR/IVAR/TVAR ?
2. Free Cash Flow
3. Trend of Moving Average of Closing prices
in his arsenal? Simultaneously? |
I think that is the wrong approach. You certainly need to teach the value of work, but you cannot tie it to income levels as a hard and fast rule. If you do, how do you then explain athletes making millions per year and only 'working' half a year, at most. And, then comparing that person to a person working hard in a f... |
Ontario HST rebate: When in December 2010 will we receive our HST cheque? |
As part of introducing the HST in Ontario this July 1st, 2010, the government of Ontario 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?](h... |
> **Possible Duplicate:**
> [Do I even need credit cards?](http://money.stackexchange.com/questions/4107/do-i-even-need-credit-cards)
<!-- End of automatically inserted text -->
I am 26, I have never had a credit card because I have seen them ruin peoples credit.
I try my best to not live beyond my means, an... |
*Completely* linear? We don't do that.
Our daughter has a fixed allowance, and we expect a certain amount of help around the house as being part of the family. We don't make any explicit ties between the two, and we don't seem to have any problems.
We bought an eBay lot of Polly Pockets and divided them up into... |
Say stock ABC trades 100,000 shares per day. I feel strongly that in the near future it will trade 200,000 shares per day.
Is there an instrument I can buy to profit on this?
To be clear, I don't care if the stock goes up or down. I want to make money if it trades at a higher volume and lose money when it trades ... |
Is there a Way to Bet on the Trade Volume of a Stock? |
The top long-term capital gains tax rate will rise to 20% effective 1 Jan, 2011, unless Congress decides to do something about it before then. (Will they? Who knows!! There's been talk about it, but, well, it's Congress. *They* don't even know what they're going to do.)
Anyway. The rules about when you can sell stoc... |
I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Sufficed to say I was less than please. The car broke down the first day out of the shop.
When I returned the car to the shop and asked for the repairs to be made whole. Whe... |
How to protect myself from unethcial business collecting on an invalid past due amount? |
Yes, I'm sure there are people who do look at these. Some of them probably make a profit on it too: amongst all the companies on the market undoubtedly at least some of the time they will correlate with buy/sell opportunities. I don't know of a reason why they would be good indicators in general though.
VAR is an ... |
I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Suffice it to say I was less than pleased. The car broke down the first day out of the shop.
When I returned the car to the shop and asked for the repairs to be made whole. ... |
I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Suffice it to say I was less than pleased. The car broke down the first day out of the shop.
I returned the car to the shop and asked for the repairs to be made whole. When ... |
How to protect myself from unethical business collecting on an invalid past due amount? |
Looking for offshore online investments, I stumbled upon [Privatiers][1]. It seems to be a Swiss investment firm.
What I would like to know is if it is ligit? Does someone have any experience with them?
Thanks!
[1]: http://www.privatiers.eu/novo/default/en-index.php |
Has anyone invested with Privatiers? Is it ligit? |
Looking for offshore online investments, I stumbled upon [Privatiers][1]. It seems to be a Swiss asset management firm.
What I would like to know is if it is ligit? Does someone have any experience with them?
Thanks!
[1]: http://www.privatiers.eu/novo/default/en-index.php |
Looking for offshore online investments, I stumbled upon [Privatiers][1]. It seems to be a Swiss asset management firm.
What I would like to know is if it is legit? Does someone have any experience with them?
Thanks!
[1]: http://www.privatiers.eu/novo/default/en-index.php |
Has anyone invested with Privatiers? Is it legitimate? |
Have a look over the list of Swiss regulated institutions?
http://www.finma.ch/e/beaufsichtigte/bewilligungstraeger/Pages/default.aspx |
Kiplinger's has an article about [buying foreign bonds directly][1], but the catch is you need to have 100,000 approx (or more) to invest in the bonds. (hence the 'wealthy' adjective before the investors in the NYTimes story).
Everbank also apparently lets you do it with [20k minimums][2] but their selection seems t... |
If I live in the US, for example, where current interest rates are practically nil, how can I take advantage of the fact that [interest rates in Australia are almost 5%][1]?
[1]: http://money.stackexchange.com/questions/4710/in-the-u-s-what-is-the-easiest-way-to-buy-australian-government-bonds |
How can I invest in country A to take advantage of their great interest rate while I live in country B? |
Canada allows investors to use their retirement fundings (RRSPs) as part of a loan to themselves, which can fund the buying of a house. When does it make sense to take advantage of this? |
Under which conditions does it make sense for a Canadian investor to put their mortgage in their RRSP? |
Is it possible for a temporary resident in Canada to obtain RRSPs? Is it advisable? |
Are RRSP investments, in Canada, available to foreigners? |
What are the major differences between the two? |
What is the difference between 401k and RRSPs? |
While this may seem like a good idea, it's not really what it seems.
Here's why. Your money is in US dollars. You're going to have to use those USD to buy Australian dollars before you can buy the Australian bonds.
When you sell the Australian bonds, you're going to have to convert the money back from Australian ... |
Kiplinger's has an article about [buying foreign bonds directly][1], but the catch is you need to have 100,000 approx (or more) to invest in the bonds. (hence the 'wealthy' adjective before the investors in the NYTimes story).
Everbank also apparently lets you do it with [20k minimums][2] but their selection seems t... |
What is the difference between 401k accounts in the U.S. and RRSPs in Canada? |
What is the difference between 401(k) accounts in the U.S. and RRSPs in Canada? |
Have a look over the [list of Swiss regulated institutions][1]?
It's worth also mentioning they have [fairly hefty fees][2]:
> 1. Closing costs (upfront fee): up to 3.0% of invested capital (according to the cooperation with the local commercial partner / for values greater than $1.000.000 up to 2.0%)
> 2. Ann... |
Are RRSP investment accounts, in Canada, available to temporary residents? |
Every 90 days add an [Initial Fraud Alert][1] to each of the 3 major credit bureaus.
- [Experian][2]
- [Equifax][3]
- [TransUnion][4]
[1]: http://en.wikipedia.org/wiki/Fair_and_Accurate_Credit_Transactions_Act#Fraud_Alerts
[2]: https://www.experian.com/consumer/cac/FCRegistration.do?alertType=INITIAL... |
I am a blogger and I routinely negotiate advertisements for my fellow bloggers. Sometimes I do it and don't get any payment and other times I get a finder's fee or something.
Most of the time, the advertisers send me all the money and I give it out to the 3 or 4 bloggers that are involved in that campaign. They pay ... |
Blog income taxes? |
Can Gold rates vary between two places / country at a same time ? |
Can Gold rates vary between two places / country at a same time ? |
Me and my family are worried about the current financial situation in Greece and want to move our deposits away to an another more stable country. Is this too much? We've seen other people doing it.
The most possible destination is United Kingdom where I currently live.
Questions:
Do we need to pay tax?
W... |
We put our fund in a local credit union that we only use for the emergency fund. We have a savings account that sweeps all funds into a 6 month CD that automatically renews upon maturity. We pretty much don't think about it, and make a deposit with our excess savings after we pay our property taxes in January and schoo... |
So I'm looking at buying a new car, because I'm going to need one to commute to a new job. There are many features I "like" (not 'must-have', just 'like') in new cars these days:
1. Remote Keyless Entry
1. Sunroof
1. Nice Seats
1. Decent Stereo w/ Bluetooth Connection Capabilities, for both audio and phone.
... |
Which car features are best handled after a sale? |
Lets say I get started with the process of buying a house. I sign the sales paper and then secure a mortgage. After I sign the sales papers and sign on for a mortgage, but before closing I get a new job. Will I still be able to retain that mortgage I signed for or will it all go to crap at closing? |
Title pretty much says it all. I am trying to do some work on the side and I wanted to put my current job's 401k money (which 95% of it was rolled over from a previous 401k) into my on 401k that I will soon be opening up. Are there any rules against this? Taxes? I am under 40 yrs of age. |
I use a pre-paid Vanilla MasterCard credit card for online shopping. Every time I make a purchase, the companies I purchase from "hold" some similar amount which reflects negatively on my balance. Vanilla MasterCard's web page doesn't indicate this as any different from a purchase and so my balance is always completely... |
Rules and tax impact of rolling over my work 401(k) to a self-employeed 401(k)? |
Lets say I get started with the process of buying a house. I sign the sales paper and then secure a mortgage. After I sign the sales papers and sign on for a mortgage, but before closing I get a new job. Will I still be able to retain that mortgage I signed for, or will it all go to crap at closing? |
Buying a house: Is it a problem if I switch jobs after qualifying for a mortgage but before closing on it? |
I would expect you to roll your old work 401k into a Traditional IRA (sometimes called a Rollover IRA if sourced from rollover funds). This rollover can be done where there are no taxes due.
Is there a specific reason you want to roll into your self-employed 401k instead of into a traditional IRA? |
How do "held" amounts appear on statements and affect balances of traditional credit cards? |
So I'm looking at buying a new car, because I'm going to need one to commute to a new job. There are many features I "like" (not 'must-have', just 'like') in new cars these days:
1. Remote Keyless Entry
1. Sunroof
1. Nice Seats
1. Decent Stereo w/ Bluetooth Connection Capabilities, for both audio and phone.
... |
Title pretty much says it all. I am trying to do some work on the side and I wanted to put my current job's 401k money (which 95% of it was rolled over from a previous 401k) into my on 401k that I will soon be opening up. Are there any rules against this? Taxes? I am under 40 yrs of age.
I want to do this so I c... |
Rules and tax impact of rolling over my work 401(k) to a self-employed 401(k)? |
These animated creatures don't like it, and think the federal reserve is just giving Goldman Sachs money: http://www.youtube.com/watch?v=PTUY16CkS-k
Quora says it is an auction through dealers: http://www.quora.com/Why-does-the-Fed-buy-treasury-bonds-through-Goldman-Sachs-instead-of-from-the-treasury-How-did-this-ha... |
Why does the Fed buy treasury bonds through Goldman Sachs instead of from the treasury? |
Which car features are more cost effective if purchased & installed aftermarket, as opposed to when buying the car? |
I guess it depends on timing. If your mortgage is already approved, there should be no issue. Do you have an obligation / contract to inform the bank about your change? My guess is that doesn't exist.
Banks typically look at your stability as a person. You've been working a number of month / years at your current jo... |
It takes my bank 3 days to transfer money back and forth to my brokerage account, even though my checking and brokerage accounts are both with the same bank.
I don't understand why in the digital age anything should take more than 30 seconds.
Is this a limitation of my specific bank, or is this regulated by the S... |
Brokerage Transfer Latency - Why Does it Take 3 Days? |
Does anyone have personal experience with lending on sites like Prosper.com?
Do they have a handle yet on what the yield and default rates are? Last time I looked at it, they didn't have a ton of data because none of the loans had gone to term.
If it's really a great idea, it seems like a broker or investment ban... |
Peer to Peer Lending Sites - Good Investment or Insane? |
Checking to brokerage transfer latency: Why does it take 3 days to move money, even at the same bank? |
Is the Australian property market currently (late 2010) in a bubble? |
I've been told that the Australian property market is more than 45% over valued, I've also heard arguments that there are justifications for this such as:
1. increased rate of immigration,
2. shortage of land,
3. shortage of labour to build new property.
So what is it? Is it a big bubble or are these factors p... |
Have a look over the [list of Swiss regulated institutions][1]?
It's worth also mentioning they have [fairly hefty fees][2]:
> 1. Closing costs (upfront fee): up to 3.0% of invested capital (according to the cooperation with the local commercial partner / for values greater than $1.000.000 up to 2.0%)
> 2. Ann... |
There's a question on DIY SE asking [how to secure the house from intruders][1]. One of the answers is [to not have anything valuable or at least to not appear to][2].
Can the illusion that a person doesn't have anything valuable be achieved through some specific practices of dealing with money and property? What ca... |
How do I create illusion I don't have anything valuable? |
How do I create the illusion I don't have anything valuable, so thieves wouldn't want to steal from my home? |
I'm new here so I'm not sure if this type of question is appropriate on this site.
I live in UE (Italy) and I'm quite concerned (probably not the only one now in UE) about the possibility of some country (maybe mine GDP/DEBT 120%) to go into default or very close to it.
Before asking this question I tried to sort... |
Why can't a US state default, but a UE state can default? |
I think you can do it as long as those money don't come from illegal activities (money laundering, etc).
The only taxes you should pay are on the interest generated by those money while sitting in the UK bank account. Since I suppose you already paid taxes on those money in Greece while you were earning those money.... |
You might want to consider how much effort mitigating this risk is worth. For example, having homeowner's insurance and sufficient documentation of your valuables is probably enough to satisfy your fears if they are based on simply losing your property.
In the end is there really any benefit in living like you don'... |
Don't robbers look at neighborhoods first? You might try making your house the shabbiest on the street. :) |
In theory, anything can happen, and the world could end tomorrow. However, with a reasonably sane financial plan you should be able to ride this out.
If the government cannot or won't immediately pay its debt in full, the most immediate consequence is that people are going to be unwilling to lend any more money in ... |
> But do you know about a US state risking to go default now or in the past?
Ultimately, a US state could go into default. However, I doubt that such a scenario would be allowed to transpire.
This seems to happen to California with some regularity. That is, *risking* default. What would happen is not quite wel... |
> But do you know about a US state risking to go default now or in the past?
Ultimately, a US state could go into default. However, I doubt that such a scenario would be allowed to transpire.
This seems to happen to California with some regularity. That is, *risking* default. What would happen is not quite wel... |
In Australia, even after the GFC, it's still common to only have 5-10% and some people even use other assets as collateral to borrow all 100%. I hear historically this has not been the case, it's only been the last decade of so during the housing boom.
In terms of avoiding risk and stuff, what do you think is a sens... |
For a mortgage deposit, how many percentage of the mortgage should it be sensibly be? |
It is so easy to get money in the developed world. Why anyone would want to borrow money from a P2P lending site if a traditional bank/credit union is so readily available on similar terms?
Something like Kiva makes more sense to me, since getting money is a much more difficult proposition in the developing world. I... |
I'm new here so I'm not sure if this type of question is appropriate on this site.
I live in the EU (Italy) and I'm quite concerned (probably not the only one now in EU) about the possibility of some country (maybe mine GDP/DEBT 120%) to go into default or very close to it.
Before asking this question I tried to ... |
Why can't a US state default, but a EU state can? |
The danger to your savings depends on how much sovereign debt your bank is holding. If the government defaults then the bank - if it is holding a lot of sovereign debt - could be short funds and not able to meet its obligations.
I believe default is the best option for the Euro long term but it will be painful in t... |
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