Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

Questions tagged [france]

for questions that relate to the laws, practices, and products of the France.

130 questions
30
votes
5 answers

Asked for a Western Union postal deposit receipt before visiting a rental property: is this a scam?

I recently responded to an apartment rental ad in Paris that the owner is managing. Flat is attractive but a smidge on the expensive side, not usually scam territory. However, the following email exchange raised a few red flags. The owner purports…
ConferenceGoer
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29
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9 answers

Should I pay cash or prefer a 0% interest loan for home furnishings?

I live in France. I bought an apartment with a mortgage a month ago. I've been buying plenty of stuff for this apartment like furniture, decoration, oven, etc. And I still need to buy other stuff. I've been offered to pay some of them cash and some…
dotixx
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17
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9 answers

Are ETF trackers fundamentally better than individual stocks?

My situation: I am mostly interested in long-term dividend-paying investments. My philosophy is "only sell if the company becomes fundamentally worse", so I only pick stocks of companies I feel comfortable being an owner of. The consensus seems to…
user57429
13
votes
4 answers

In which situations is it better to consider a loan instead of paying cash?

I live in France where credit cards are less widespread than in the U.S. The default account for us is a checking account. Often you can't spend more than what is in your account; otherwise you have to pay the money back with a huge interest (16%…
Octoplus
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12
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3 answers

What happens to my stocks when broker goes bankrupt?

Let's say I have bought many stocks, ETFs and other products through Degiro. If degiro closes, do I have "access" to my financial products? How? Can I sell them aftewards through another broker?
The Strong Programmer
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10
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3 answers

Is there any tax difference between a US citizen and a US lawful permanent resident?

Is there any tax difference between a US citizen and a US lawful permanent resident? I'm trying to understand whether the tax burden on a US citizen is the same as on a US lawful permanent resident. If that matters (e.g., for tax treaties), the US…
Franck Dernoncourt
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8
votes
1 answer

Can I live in Spain under a French contract?

Since July, I'm working remotely from Spain for a French company under a French contract. I'm Spanish, I've never lived in France. All of the salary related taxes are payed to the French government. I know I'll have to do some kind of income tax in…
Maragues
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7
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2 answers

What would be a good middle term investment (2-5 years), before buying a house

First of all, a bit of context. My wife and I earn roughly 4400€/month. We are two years into a 15 year mortgage for a flat, at a very low interest rate (150k€ @ ~ 1%), we reimburse about 1000€/month. After taxes, food, and so on we manage to spare…
Maxime
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7
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2 answers

How should I invest my money as a young graduate in Europe?

This is related to this question, but that question's answers are 95% tailored for residents of the US, basically recommending to full out the 401k retirement plan and this and that about stock market investments. My question is, are there other…
Jose Luis
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6
votes
5 answers

Should I do Adidas confirmed in exchange of money

Somebody on Facebook asked me to register on the adidas confirmed app and be ready to click tomorrow 4pm so he could get the shoes and, if I am quick enough, he gives me 350€ on Saturday when we go get the shoes (in Paris, I'm French)... Is this a…
juleslasne
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6
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1 answer

"International credit report" for French nationals?

I'm a French National married to a US citizen, and we're looking into buying a house in Florida. Does anybody out there knows of a anything akin to an international credit report for a French national? I know the UK has such a system now, maybe…
Olivier
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5
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3 answers

Is it legal to receive money out of the blue?

I was reading a question and answers about a classical scam. The modus operandi is clear. It made me wonder about the legality of receiving money out of nowhere on my account. How legal is that? (in Europe France, if this matters). Do I have to be…
WoJ
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5
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1 answer

income taxes in France: Is it better to share our income taxes or pay separately, me and my gf?

My lady and I are living in France and paying our taxes there, separately. However, we are considering to pay our taxes together for the first time. Online simulator like the one below are not clear on how much we are going to gain…
Andy K
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5
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1 answer

Indian resident owning dividend-paying shares in company based in France: Can I save on withholding tax?

I am Indian and staying in India. I am holding stocks/shares of a French company which is listed on the Paris stock exchange. Every year, the French company declares dividend on the shares, and on those dividends 30% tax is getting deducted and…
Sanjay Bora
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5
votes
3 answers

Who performs the blocking on a Visa card?

I recently tried to pay for a train ticket online with my Visa debit card. However the payment got refused, but the price of the ticket is being blocked on my card. I contacted the train company to stop blocking my money, but all they said…
Martin Drozdik
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