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1500 questions
34
votes
1 answer
When I sell only a portion of my shares of a stock, which shares actually get sold
Two years ago, I bought 100 shares of XYZ.
Yesterday, I bought another 100 shares of XYZ.
Today, I sold 100 shares of XYZ.
Which 100 shares did I actually sell? If it were the 100 shares from 2 years ago, then that contributes to my long term…
Bear Bile Farming is Torture
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34
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6 answers
Why do real estate agents always ask me whether I am buying property to live-in or as an investment?
Trying to buy a house.
Along with -- what is the maximum you are willing to pay -- this is the most frequent question.
Why do they care whether I will live in it or rent it out? The two are not mutually exclusive.
Update: this is for UK
A.L. Verminburger
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34
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4 answers
Who pays the premium for bank deposit insurance?
Normally, when I want insurance coverage (e.g. for my car and house), I have to pay a premium to the insurer. My bank account comes with deposit insurance to insure me against bank collapse. It looks like I do not have to pay any premium for the…
Flux
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34
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7 answers
First time buyer- How to decide how much to put toward a deposit?
I live and work in the UK, and am starting to look seriously into buying my first house. I have thought about looking to buy a few times over the last few years, but ended up deciding not to for various reasons.
Having had a cursory look at…
Noble-Surfer
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34
votes
3 answers
How safe is the 4% rule if U.S. returns trend towards World returns?
I keep hearing about the 4% rule. I know it's based on historic returns, but aren't those returns based on U.S. stocks, at a time when the U.S. was ascending to the peak of "world superpower" status? Has there been any studies on how the 4% rule…
NL3294
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34
votes
15 answers
Why is the stock market so unpredictable?
Why is the stock market so unpredictable? If you think about it, most of the things we do in a day are pretty predictable. Waking up, deciding what sites to browse, etc. So if we have a good model about how people behave on a day to day basis, why…
Stockguu
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34
votes
7 answers
Can I lend a small amount of my own money to a bank at the federal funds rate?
I have a dollar that I won't be needing tonight, and I hear that banks are in the market for short-term loans. In fact, the present Fed funds rate is higher than the interest rate on any savings account I can find. Is it possible for me to lend at…
Display Name
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34
votes
5 answers
My credit card was unexpectedly charged 1$, the merchant wants my SSN and personal data to tell me why, do I risk identity theft?
I received a phone message from my credit union's fraud detection department about a transaction for $1 that raised a flag. I called them back and was given the information recorded with the transaction, which consisted of a name of a company and a…
aparente001
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34
votes
10 answers
Shipped package arrived - didn't order, possible scam?
Two days ago I received a text message from DHL with a link to a DHL track parcel page. I can confirm that it is the official website. I even took the tracking code, and manually went onto the DHL website and entered in the code - and everything…
Ben10
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34
votes
7 answers
Selling a property - multiple offers of same value?
In the U.S., when selling a residential property, is there a rule or law regarding how to handle multiple offers of the exact same monetary amount? Is this the kind of thing that would vary state-by-state?
My family and I made an offer on a…
krb686
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33
votes
3 answers
How do you file taxes earlier than an identity thief?
One of the recommendations to avoid tax return fraud/identity theft is to file your taxes as early as possible:
FTC
Smart Money
Identity Theft Resource Center
USA Today
Notably, the IRS does not include this in their list of recommendations; they…
stannius
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33
votes
12 answers
Why is auto insurance ridiculously overpriced for those who drive few miles?
It's not just one company. The problem is our current driving is something under 4,000 miles/year and the discounts for low driving aren't remotely as big as the difference in mileage.
I don't think my personal situation affects the cost because…
Loren Pechtel
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33
votes
6 answers
Strategies for putting away money for a child's future (college, etc.)?
So my wife and I will be having our first child at the end of the year, and I'm trying to devise a strategy for things like putting money away for the little person now, while I have the time and sleep in me to think about such things.
What are some…
duffbeer703
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33
votes
8 answers
I'm thinking of getting a new car ... why shouldn't I LEASE one?
Why is leasing a car a bad idea?
bms2
33
votes
5 answers
Why is half of your IRA Required Minimum Distribution forfeited if you do not make minumum withdrawals by 70.5 years of age?
I do not understand this rule: "IRA confiscates half of your account if you do not make your withdrawals by 70.5 years of age".
Why? What does it mean to make withdrawals? Just to request your money getting transferred to your bank account? or get…
YohanRoth
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