Personal Finance & Money Weekly Newsletter - Thursday, February 26, 2015

Personal Finance & Money newsletter

Top new questions this week: I received a refund when I did not return the item, and they won't reverse the refund? At what point is that considered "my money"? The item was a mattress, which I still have and never asked to return. They made a mistake with my delivery and the delivery fee was supposed to be returned. However, the credit, about $600 is on my ... credit-card refund   asked by Linds 23 votes answered by Ben Miller 37 votes I'm being asked for installment tax payments, but I just started as a salaried employee. What should I do? For the last decade I've been a freelancer. I had a balance owing two years ago, so last year (2014) I had to pay by installments. However, on January 1st, 2015, I started as a salaried employee at ... taxes canada   asked by Glen Rhodes 13 votes answered by Kate Gregory 16 votes How can I pull a credit report on my 20-year-old son? My wife and I would like to see a credit report on our 20-year-old son. He is a college student, and we are responsible for virtually all of his expenses. We want to ensure he doesn't have credit/debt ... united-states credit credit-report   asked by Deane 11 votes answered by BrianDHall 41 votes Max IRA contributions and expensive 401(k) plan with no match. Where else to invest? This question appears to be related. My company has a 401(k) with high expense ratios (I recall 0.84% for an S&P 500 index, but I'd have to double-check) and no company match, so I opted to open ... united-states 401k roth-ira   asked by Bigbio2002 8 votes answered by Rocky 12 votes Affordable Care Act Documentation So I just got my taxes completed, and did some searching on the net. Turbo Tax asked me where I got my health insurance. I clicked the box entitled at work, and all was good nothing further was ... united-states taxes healthcare   asked by Pete Belford 7 votes answered by Joe 5 votes Will a credit card issuer cancel an account if it never incurs interest? I have a few credit cards that are currently carrying some larger "promotional" balances. These are purchases that I decided to put on a 6, 12, or 18 month 0% APR financing offer vs. taking any points ... credit-card financing   asked by Devin 6 votes answered by Rocky 9 votes Can I gift money out of a UTMA account to my child's sibling? My Father gifted $50,000 to my daughter over a 5 year period. This money is in a UGMA account on my daughter's behalf. I now have three children. My father's intent was to provide for all of my ... united-states gift-tax minor ugma   asked by Sam taxpayer 6 votes answered by user25817 8 votes Greatest hits from previous weeks: Do you pay no tax if you lose money on a business or an investment? If so, why is that? Is it true that in a business or an investment, we only pay tax if we make a profit? That is, if we make only a loss, there is no tax? Why is this so? Because from what I understand, the tax is paid ... income-tax taxes profitability   asked by Victor123 9 votes answered by mbhunter 4 votes Is the "Bank on Yourself" a legitimate investment strategy, or a scam? There seem to be a lot of advertisements by "Bank on Yourself", promising to show how you can invest in a certain type of life insurance policy. Is this really a legitimate investment strategy, or ... investing life-insurance scams   asked by Jeffrey 22 votes answered by Alex B 30 votes Can you answer these? Can my UK limited company claim tax relief on donations to foreign charities? I'm English, and run a company that's based in the UK and registered with the UK Companies House. I want to donate some money to charity, but one of the charities I have in mind isn't based in the UK. ... taxes united-kingdom tax-deduction charity charitable-contributions   asked by GeorgeMillo 2 votes How to calculate and claim AMT credit Suppose I am in California, and I want to try to roughly calculate the AMT i would owe as well as how much i can get back each year for ISO that i plan to hold for many years. Am i doing this right? ... united-states taxes employee-stock-options option-exercise alternative-minimum-tax   asked by Dzt 1 vote Online resources for understanding credit reports, including a sample? Could someone provide me sources where I can find some examples of a credit report (in the USA), how it looks like, etc.? I want to understand each and every section of credit report. Any ... united-states financial-literacy credit-report credit-history   asked by user804401 1 vote

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