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

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1500 questions
26
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2 answers

Credit card number masking - good practices, rules, law regulations?

Usually when I enter and save my credit card number in online shop or mobile app, only last four numbers are shown as a reminder. Example (not actual digits): Your card: **** **** **** 1234 Recently I used an app, where card number was shown as…
tomash
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1 answer

How can a retailer automatically get details of my new payment cards

I recently found out I got tangled into some sort of scam which I wrote about it this question. The other mysterious bit of it is that the scammers were able to hold on to my new card details even though the old card details takeover had taken place…
matewilk
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9 answers

Is it legal to invent "artificial" bills to build credit?

EDIT: This question was based on a misunderstanding of how credit is built. However, the concept of moving money on a credit card without spending anything still has other potential benefits (such as gaming a rewards program), which are still…
Lord Farquaad
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10 answers

18 years old and unsure how many bank accounts to create and what types

this is my first question so I apologize if I don't provide enough information or my description seems vague. I'm 18 and live in the Midwest of the US. My parents helped me set up a bank account last year before I went to university, also in the…
Alex B
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26
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9 answers

What does one typically use as a money reservoir for stocks, when they are "on sale"?

I've read about people who claim to have made a lot of money investing in stocks (or funds) after a crash. They say the stocks were "on sale". But I wonder, where did they get the money to buy these stocks? Certainly they didn't use their emergency…
Ken - Enough about Monica
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26
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8 answers

Should I pay loan balance down early even if I can't pay the whole thing off?

I have a home mortgage with an outstanding principal balance of $150,000 and a fixed interest rate of 3%. My loan was a 15 year loan, of which I have 13 years left. However, I plan to pay my loan off within the next 2-3 years, and have amassed a…
user73317
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6 answers

Potential debt collection scam from National Credit Systems?

Yesterday I received a letter in the mail from an organization called National Credit Systems. In the letter, they say that I owe them $230 to the apartment manager that I rented from 3 years ago. I have 30 days to contact them. I googled this…
bf109k4
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4 answers

What is the difference between these two S&P 500 ETF?

I wanted to invest in the Vanguard S&P 500 ETF which has the ISIN code US9229083632 However I just discovered it is not available in my country. As an alternative I am considering investing in Vanguard S&P 500 UCITS ETF which has the ISIN code…
Octoplus
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16 answers

How to best invest 90,000 EUR with zero knowledge in investing?

I have 90,000 EUR and difficulty figuring out what to do with it. This money is in a savings account with an interest rate of only 0.05%. Here in Netherlands, I pay around 600 EUR each year on this money via taxation. So, I am losing quite a lot of…
user1880405
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3 answers

Can I buy Social Security credits?

I have 39 credits and no longer work in the US. (Gave up resident card after 10 years in the US). Retired in Norway. Is there any way I could buy the last credit point I need?
Stein Amundsen
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6 answers

What should I do with a duplicate item sent in error?

I bought an item online. The sender gave me the wrong tracking number, so I thought the parcel is missing (ending up in some other address). She also checked, hence she sent me another package. But it turns out that the parcel showed up. So that…
Boris
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2 answers

Is it acceptable to not have term life insurance in my case?

Age: 42 Married No kids I'm currently the only source of household income. My wife doesn't work outside the home. However, that decision was by choice since my income easily supports the both of us. If I were to die tomorrow, we have enough short…
Kris Johnston
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26
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7 answers

What does "building wealth" mean as an investing term?

As far as I know, and from a general perspective, "building wealth" seems identical to the term "making money." I am confused because investing generally isn't about making money in the same sense as one making money for completing a task (although…
Young Investor
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7 answers

Emotionally driven to buy a house. Does it make financial sense?

I am a US citizen living in Europe, so this question might be complicated by tax laws, but let's just ignore them for now. Basically, I am really emotionally driven to buy a house but am realizing that my decision has nothing to do with what makes…
lambda
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10 answers

Is giving my girlfriend money for her mortgage closing costs and down payment considered fraud?

My girlfriend is in the process of buying a home. We're not married, common-law or otherwise. I was planning to help her pay for the closing costs and down payment, with my contribution being about $3-5k, because we will be living there together and…
Ben.12
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