What are overnight fees? [duplicate]
From the etoro website: In the financial trading industry, rollover is the interest paid or earned for holding currency overnight. Each currency has an interest rate associated with it, and because currencies are traded in pairs, every trade involves two different interest rates. If the interest rate on the currency you bought is lower than the interest rate on the currency you sold, then you will pay rollover fees. If the interest rate on the currency you bought is higher than the interest rate of the currency/commodity you sold, then you will earn rollover fees. http://www.etoro.com/blog/product-updates/05062014/important-upcoming-change-fee-structure/
Its not just late fees. The fees for going over your credit limit are exorbitant. To make things worse, they will rearrange the transactions you make during a day so that they can charge you more by making more of them fail. "Charge less money.  That's the only thing.  What that really means is negotiating lower ticket prices with venues, not removing fees.  People don't realize that Ticketmaster's business model is shielding venues from public ire, not adding arbitrary amounts to tickets for the minor service of buying online, a service everyone knows costs very little to perform.  The arbitrary fees mostly go back to the venue per their agreement, however, they're divided out as ""admin fees"" and ""processing fees"" and ""convenience fees"" charged by Ticketmaster so that Ticketmaster eats the blowback instead of the venue charging exorbitant prices." "&gt; ""So I'll either stop shipping prescriptions or switch to FedEx or UPS -- which cost me three times what the USPS currently charges.""  Basically, the USPS is delivering overnight packages for 1/3 the cost of FedEx and UPS and can't make that work.  So now business costs will go up when sending things overnight as they're forced to switch to private carriers.  Thus, in essence, the USPS has been ""subsidizing"" business that send things overnight." If it's always the same person, you could open a joint account.  Then fees are avoided altogether.  How fast the funds are available depends on what you deposit.  Cash is immediate. "My gym has a habit of randomly increasing our monthly payment with a $20 ""Special Fee"" a couple times a year.   This charge was not initiated until after I signed up, and signed authorization for a set monthly fee. The agreement I signed included no wording of this fee, so I have not given them permission to charge me this fee. I also have received no type of notification of this fee prior to it being charged to my credit card on file.   This seems very illegal to me. Am I right? What course of action might I have to get this stopped?" So I can get a maximum of $25.50 (17x1.50) in ticketmaster credit, that I can only use $3 at a time.  And if I am part of the subclass for UPS overnight shipping, I get an extra $5. BREAK OUT THE MOTHERFUCKING CHAMPAGNE AND CAVIAR BITCHES!!!!  OPF CLAIMS - ALL CLASS MEMBERS If you take no action, and the settlement is approved by the Court, you will automatically receive, via email at the most recent email address associated with your purchases on Ticketmaster.com, discount codes (“Codes”) which can be used for future purchases for U.S. events from Ticketmaster’s Website (except for events at venues owned or operated by AEG as set forth in the Settlement Agreement). For each transaction that you made during the Class Period, you will receive one code via email for a $1.50 discount, up to a maximum of 17 codes. This does not include the additional benefits, for the UPS Subclass members, which are described below. The Codes may be combined up to a maximum of two credits ($3.00) that may be applied on future transactions as described above. The Codes are non-transferable, expire 48 months from distribution, and may be redeemed only for purchases made using the email address to which they were sent (or an updated address provided to the Claims Administrator or Ticketmaster and verified as belonging to the Class Member).  UPS SUBCLASS MEMBERS If you are a member of the UPS Subclass, you will be entitled to additional relief under the Settlement. Specifically, for each transaction you made using UPS delivery of your tickets (up to 17 transactions), you will receive one UPS code (“UPS Code”) via email, for $5.00 off subsequent expedited delivery fees on purchases from Ticketmaster’s Website (except for events at venues owned or operated by AEG as set forth in the Settlement Agreement) of tickets that are shipped via UPS or some other form of overnight delivery that Ticketmaster may offer in the future. These UPS Codes may not be combined, and only one UPS Code may be used per transaction. However, this benefit may be used for a ticket order together with the OPF Code described above. The UPS Codes are non-transferable, expire 48 months after they are first usable, and may be redeemed only for purchases made using the email address to which they were sent (or an updated address provided to the Claims Administrator or Ticketmaster and verified as belonging to the Class Member). I looked at Publication 463 (2014), Travel, Entertainment, Gift, and Car Expenses  for examples. I thought this was the mot relevant. No regular place of work.   If you have no regular place of work but   ordinarily work in the metropolitan area where you live, you can   deduct daily transportation costs between home and a temporary work   site outside that metropolitan area. Generally, a metropolitan area includes the area within the city   limits and the suburbs that are considered part of that metropolitan   area. You cannot deduct daily transportation costs between your home and   temporary work sites within your metropolitan area. These are   nondeductible commuting expenses. This only deals with transportation to and from the temporary work site.  Transportation expenses do not include expenses you have while   traveling away from home overnight. Those expenses are travel expenses   discussed in chapter 1 . However, if you use your car while traveling   away from home overnight, use the rules in this chapter to figure your   car expense deduction. See Car Expenses , later. You will also have to consider the cost of tolls of the use of a  trailer if those apply. /r/personalfinance might be better.  Not really sure where this falls... this sub is more for just specific financial industry news and topics.   Here's the DOL page.  In all honesty, I'd imagine it'd be considered fair if the law only required him to pay you hourly for the work periods during the day so long as they expensed all your travel expenses.  Seems absurd to give you 24 hours of pay if you're going to go stay overnight somewhere that's already paid for by the employer and work a normal day.  http://www.dol.gov/whd/regs/compliance/whdfs53.htm I recently engaged in a dispute with a ski resort that was proposing several hotels (about 500 rooms) along with a new lodge, which will host conventions.  I have a home (3 bedrooms) I rent on Airbnb located next to the resort and was a statutory party to their permit hearing.  After all was said and done, I managed to take away approximately 250 parking spots, forcing them to build a parking garage.  They were permitted for the new lodge, which they are building now, but not for the hotels.  I will now be able to raise my rates as there will be a severe lack of short term housing to accommodate the new lodge. What bank, and is there restrictions on the trades? (i.e. they only go through once a week?)  I do light medium term trading - maybe 5-10 trades per quarter - and would love to be able to cut out the fees. "It says that you are exempt ""as long as such interest income is not effectively connected with a United States trade or business"". So the interest is from money earned from doing business with/through AirBnb, a US company. So you will have to report it. Even if your bank doesn't send you a 1099-INT, you have to report it, unless it is under $0.49 because the IRS allows rounding." Get a checking account with Ally Bank. They refund all ATM fees from within the US, so effectively, every ATM transaction will have no surcharge. If you are careful, you don't need to spend much more than the cruise price.  The cruises I've been on, they biggest extra was soda and alcohol (mainly wine with dinner).  If you are fine drinking water or iced tea, there is no need for that. Food extras, like ice cream at the pool, may be an extra charge as well. The way it works is that your room key acts like a credit card, and gets charged to your room.  Its easy to run up a big bill if you aren't paying attention, so you may want to keep track of it as you go along.  You can also go to the pursers office at any time and find out your current account. Generally, the cruise automatically charges a certain amount per day for tips for your room steward and dining room attendants.  You are expected to tip for spa services (another extra charge) and shore excursion guides.  Shore excursions vary greatly depending on what you are doing.  Maybe $50-$100 per person for a bus tour to much more than that for things like scuba diving, or fishing.  You can also either book tours yourself, or just get off and wander around.  It depends where you are going.  Many times, the ships dock far away from anything you might want to see.  There are generally taxis or shuttles to the tourist places, but that is another charge.  Shipboard internet is generally charged by hour, and quite expensive (several dollars per hour).  Part of the attraction for me is unplugging completely, so I generally don't bother.  On older ships, you probably are limited to the internet lounge.  Some of the newer ships have wi-fi in the state rooms as well. The drinks on board aren't cheap, but not outrageous either.  Probably similar to an upscale club.  They also have a daily drink special, which is cheaper.  Technically, you aren't allowed to bring your own alcohol on board.  If you buy something in a port, you need to check it with them.  This policy may vary by cruise line, but has been true on the Princess and Costa cruises I've been on.  That said, as long as you are low-key, they probably won't know or care. NSCC illiquid charges are charges that apply to the trading of low-priced over-the counter (OTC) securities with low volumes. Open net buy quantity represents the total unsettled share amount per stock at any given time during a 3-day settlement cycle. Open net buy quantity must be less than 5,000,000 shares per stock for your entire firm Basically, you can't hold a long position of more than 5 million shares in an illiquid OTC stock without facing a fee. You'll still be assessed this fee if you accumulate a long position of this size by breaking your purchase up into multiple transactions. Open net sell quantity represents the total unsettled share amount per stock at any given time during a 3-day settlement cycle. Open net sell quantity must be less than 10% percent of the 20-day average volume If you attempt to sell a number of shares greater than 10% of the stock's average volume over the last 20 days, you'll also be assessed a fee. The first link I included above is just an example, but it makes the important point: you may still be assessed a fee for trading OTC stocks even if your account doesn't meet the criteria because these restrictions are applied at the level of the clearing firm, not the individual client.  This means that if other investors with your broker, or even at another broker that happens to use the same clearing firm, purchase more than 5 million shares in an individual OTC stock at the same time, all of your accounts may face fees, even though individually, you don't exceed the limits. Technically, these fees are assessed to the clearing firm, not the individual investor, but usually the clearing firm will pass the fees along to the broker (and possibly add other charges as well), and the broker will charge a fee to the individual account(s) that triggered the restriction. Also, remember that when buying OTC/pink sheet stocks, your ability to buy or sell is also contingent on finding someone else to buy from/sell to. If you purchase 10,000 shares one day and attempt to sell them sometime in the future, but there aren't enough buyers to buy all 10,000 from you, you might not be able to complete your order at the desired price, or even at all. If such an investment existed, then why would the banks be parking their overnight funds with the Federal Reserve at an interest rate of pretty much nothing?