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1500 questions
25
votes
7 answers
How can a person with really bad credit history rent decent housing?
My ex got evicted out of her apartment for non-payment of rent. This didn't entirely take me by surprise, as she is financially pretty clueless.
She attempted to rent another place but given her history (credit and otherwise), which includes a…
NeedAdvice
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25
votes
5 answers
Whose responsibility is it to handle an over-tendered tip?
Suppose I go out to eat and I pay for my meal with a credit card. I sign the receipt and when the server goes back to finalize the transaction, they put way more money for the tip than I did.
At this point, is it on me to look at the bank account…
leeand00
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25
votes
11 answers
Should I invest ~18k being 19 years old?
I am currently thinking about investing my money in various things.
I have a monthly income of 900€ and only 40€ regular expenses including food, spotify premium and a web domain. From what I can observe I have quiete a lot of money for a person of…
randombutnotsorandum
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votes
5 answers
Sold item on eBay, buyer wants it to be delivered to another country, and pay by bank transfer
I recently offered an item on eBay, offering it for sale in Switzerland only (no international shipping offered). However, now someone bought it and messaged that they want it shipped to Italy, and that they need my name, IBAN, and emailaddress to…
user91928
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25
votes
8 answers
What's a good strategy for offering low on a house?
We are in the UK and interested in purchasing a house, but the highest offer we could make is substantially below the asking price by around 5%.
However, we have some advantages over other prospective buyers. Sales in our local area are slow and…
Bob Tway
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25
votes
6 answers
Scam? Phone call from "Department of Social Security" asking me to call back
I have gotten two phone calls this week from a 210 area code. A clearly automated voice claimed to be an officer with the Department for Social Security. I was informed there are legal proceedings being filed involving my social security number, and…
Hardison
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25
votes
5 answers
kids pooling money for Lego League and taxes
Based on Will I be taxed for accepting money to help needy?, I am wondering how the law goes.
Suppose a kid is taking part in a school activity (e.g. http://www.firstlegoleague.org) along with a team of 5-6 other kids and then there are expenses…
Raj
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25
votes
2 answers
How do credit card companies know what type of business I'm paying for?
Credits cards have many different ways of offering you points on types of goods or services you pay for. How do they know if I'm buying, say, food or gas?
There are so many different different businesses around; how would a credit card company…
Conor Patrick
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25
votes
5 answers
Using credit/debit card details vs swiping a card in a payment (credit card) terminal
I was given by a seller an option to come to their office and swipe my credit/debit card there in their payment terminal.
Because it's a long way to get to their office, I asked the seller if he could just take my credit card details (number,…
rapt
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25
votes
3 answers
What information do scammers need to withdraw money from an account?
There is a story currently on the BBC news website. The relevant points are:
Scammers called Alex pretending to be BT (telecommunications provider).
Alex provided scammers with information / help
Scammers made payments that emptied account of…
Dave
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25
votes
4 answers
Have I saved too much for retirement so far?
I currently have a roth ira as well as a 401k from fidelity. I have around 350k in my 401k and another 10k in my Roth IRA. I just turned 40 recently. Am I saving too much for retirement and should I focus more on saving in say a regular savings…
JonH
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25
votes
3 answers
Is there any inherent difference between Visa and Mastercard credit cards?
Are there any inherent differences between a Visa credit card and a Mastercard credit card?
Obviously, there can be huge differences between one Visa card and another. And between one Mastercard and another. But I am wondering about any significant…
ChrisInEdmonton
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25
votes
8 answers
Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics?
Much of the information I stumbled accross (including a short article written by an esteemed member of this site) around the internet indicates that having a credit card utilization of 0% is a significant negative impact on one's FICO score. While…
Glorified Plumber
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25
votes
5 answers
Economic viability of surviving the death of a sole provider leaving a $500k inheritance?
Consider a hypothetical scenario with an 18 year old living in the state of Maryland in the United States, in his freshman year of college studying for a four-year degree in an engineering field. He solely depends on his father (mother is not in the…
Bakna
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25
votes
2 answers
Why not speculate at EOY and write the loss off on taxes?
At the end of the year I will owe some money in taxes. Rather than simply pay it, I am considering making a wild bet (with options, for example), in a controlled way such that I can't lose more than I'll owe in taxes.
If I win the bet, I make a…
Ken - Enough about Monica
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