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

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1500 questions
41
votes
13 answers

How can a client pay me for freelance work if I don't want him to know my name and he is uncomfortable using bitcoin?

I've been contacted on a specialized Internet forum and offered a well-paid one-off job to translate a highly specialized text, and I'm happy to accept the offer, but there's a problem: I have always posted on that forum under an anonymous nickname…
Sandra
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41
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8 answers

Friend sent me $6500 through his company and told me just to send it back

I started helping out my friend's business a couple of months ago as a part-time worker. He's been paying me hourly through square. Couple of days ago he told me that he'll be sending me $6500 from the company and just send it back to the company…
jake espinosa
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41
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9 answers

Why would a life-insurance company agree to a 20-year guaranteed life annuity which is expected to pay out more than the principal?

I'm working through a paper on lifetime annuties, and in the paper, the following example is presented: With an initial purchase of $100,000, and a guarantee period of 20 years, an 80 year-old female would receive an estimated monthly payment of…
Andrew Harris
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41
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9 answers

Do I care if the housing market has gone up or down, if I'm moving from one house to another?

I can see several cases in which it obviously IS important if the market is high or low. e.g: if I'm buying my first house if I'm retired and selling my last house if I'm moving to a very different country/city, whose housing markets aren't very…
Brondahl
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41
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7 answers

Credit card offering 0.5 miles for every cent rounded up. Too good to be true?

I just received an offer on my credit card (Barclays Aviator, if needed to verify). The offer (Flight Cents) is as follows: I can choose a limit every month ($1 to $500) Every transaction during a billing cycle will earn points (American Airlines…
perennial_noob
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41
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4 answers

Accidentally cashed a check twice

I got a loan from a company, it was a paper check that i had received the check in April. I found the check today, un-signed, no void notes. I figured I hadn’t cashed it in considering it wasn’t even signed. So I took it into a "Check into Cash" and…
bbscutt
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41
votes
10 answers

Why would anyone buy U.S. Treasury Bills?

From the Treasury Direct website, I saw this Bills: U.S. Treasury Bills are a type of short-term security of one year or less, usually issued at a discount. The discount is the amount the security is lowered from its face value and is considered…
Wapiti
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41
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5 answers

Do institutions have right to ask for your credit card security code and all other CC data?

A school wants my credit card data including a security code. They've sent me a form to fill in about my card. As I know security code is something that shouldn't be shared publicly. Should I provide it to them?
Green
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40
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7 answers

Why don’t index-tracking mutual funds corner themselves?

I don't really want to think too much about investments -- just park my surplus money somewhere and be able to come back several years later and see that it has grown. (As this question shows, I'm none too good at following through on this…
hmakholm left over Monica
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40
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6 answers

Should I pay down my student debt early?

I just graduated university and started my first job. I have £50,000 in student loan debt at 6.1% interest. My monthly payment on this debt is £10 (direct from my paycheck). I can afford to pay £200 a month, but should I? I've heard that student…
Callum Maguire
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40
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4 answers

Is a higher salary worth not having a 401(k)?

An individual recently got offered a job that paid significantly more than what she is making now (more than $18k - which is the maximum 401(k) contribution). She currently makes $30k a year. However, this company does not have a 401(k) plan for…
Michael
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40
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4 answers

What is the logic behind a 50% of X% 401(k) contribution match?

In the situation where an employer is contributing a match to a 401(k), apparently a common formula is to match 50% of employee contributions up to a percentage of their salary. I have also seen this phrased as "50 cents for every dollar". If the…
friggle
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40
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6 answers

Can a car company refuse to give me a copy of my contract or balance details?

I have an auto loan with a car company that after looking at all possible amortizations, doesn't match what my payment should be. I'm talking with 40% interest rates, adjustable interest rates, shortened terms, etc; none of it matches my…
Anoplexian
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40
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7 answers

Why use credit when you have the cash?

I've heard several people state that they get loans even when they have the money to cover the cost in the bank, and it befuddles me why they would pay interest instead of using their own money. This seems especially true in small business where I…
C. Ross
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40
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9 answers

Insurance company sent me huge check instead of pharmacy. Now what?

I received a $20,000 check from my insurance company that was supposed to go to my specialty pharmacy. It's made out to me. Since it was obviously a mistake, I called the pharmacy, and they said to sign it over to them and mail it. However, since…
aryxus
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