Personal Finance and Money Stack Exchange
Personal Finance and Money Stack Exchange

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1500 questions
19
votes
6 answers

US bank w/ free online incoming/outgoing international wire transfers, no monthly charges, online application

What US banks let me do the following: % Send and receive international wire transfers for free % Send wire transfers online % Pay no monthly fees % (optional) Apply for an account online. Accounts requiring a minimum balance of up to $50K are…
user1731
19
votes
2 answers

How do I correct an HSA distribution when I was refunded by a health provider?

At work I'm covered by an HDHP with an HSA. My dentist has the policy of estimating the amount that my insurance will cover and asking for the remainder at the time of service. On my most recent visit, the office grossly miscalculated the amount…
Spig
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19
votes
5 answers

New car vs used: how to compare value?

When buying a car, I care only about what I'd call "pure utility": maximum usefulness for minimum dollars and trouble. I'd always heard that a new car is nearly always a worse deal than one that's about 3 years old, because although it depreciates a…
Nathan Long
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19
votes
5 answers

Why don't more people run up their credit cards and skip the country?

If I total up the amount available on my unsecured line of credit and the limits on my credit cards, it comes to over $100,000. This amount of money would last a long, long time in somewhere like Honduras or the south Pacific. What is stopping me…
Ether
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19
votes
1 answer

What's an Exchange-Traded Fund (ETF)?

I've been hearing a lot about exchange-traded funds, or ETFs. What exactly are they, and how would I use them?
bms1
19
votes
7 answers

Is Real Estate ever a BAD investment? If so, when?

Even in a bad market, over 30 years won't the value of Real Estate always go up? Is it always a sure bet? If not, what should an investor or buyer consider?
Nat_Rea
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19
votes
4 answers

Why are bank transactions not instant?

I asked myself why bank transactions take 2-6 business days to complete. How does the internal process of a transaction look like? Isn't it possible to redesign the process so that transactions are instant?
norbertVC
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19
votes
7 answers

Can a company pay a net salary?

I have been approached by a start-up which said that the monthly salary I would earn is a net salary, with no taxes to report on my side, because all taxes are paid and reported by the company. A company must pay company taxes, but can a company…
jujenis
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19
votes
6 answers

What should I do with my credit card debt?

I have almost $20,000 in credit card debt and, though I have stopped accumulating it for quite a while now, I'm trying to figure out the best way forward. Can someone please offer advice based on this scenario? I have three cards: Card #1: $5600…
user17618
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19
votes
2 answers

Does a post-dated check have any *valid* use for delaying payment?

I was recently witness to a salesman claiming that a customer could post-date a check to guarantee their check would not be cashed before the item they just ordered was received. I was under the impression that this is false, and that writing…
Robert Cartaino
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19
votes
1 answer

What US law requires a bank to reopen a closed account if a third party sends money to it?

I used to have an account with a local credit union. I moved, then closed the account. The credit union mailed me a check for my remaining balance and confirmed the account was closed. This was 14 months ago. Last week, someone tried to send me…
user9760
19
votes
5 answers

Is it true that it's better to have bad credit than no credit?

There's a popular saying: It's better to have bad credit than no credit. Is this true?
spong
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19
votes
2 answers

If I donate depreciated stock to charity, can I deduct both the market value and the capital loss?

I have stock that's depreciated in value since I bought it. Just to make up some numbers, I paid $8000 for it, and it's worth $1000 now. If I donate the stock to charity, can I take the charitable deduction (if I itemize) of $1000 and the capital…
Michael A
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19
votes
5 answers

What percent of my salary should I save?

Here is my situation: right now I am living in Puerto Rico, and I am planning to relocate to the mainland US (probably to Seattle, WA). Although Puerto Rico is a territory of the US, almost everything "works" different here in comparison to the…
scubaFun
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19
votes
16 answers

What are some tips to help avoid impulse-buying?

My husband and I are both impulse buyers - not a good pair now that our combined income has been reduced! How do you stop yourself from making an impulse purchase? I need some help to improve our spending habits.
Nat_Rea
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