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1500 questions
34
votes
7 answers
Why would my job recruiter want me to form an LLC?
What are the benefits of forming an LLC when contracting for a high-paying job?
My recruiter is asking me to do some tax things that I don't really understand. He's also a bit of a snake so I am worried.
I am pursuing a high-paying position through…
SoAnon
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34
votes
8 answers
I received a refund when I did not return the item, and they won't reverse the refund? At what point is that considered "my money"?
The item was a mattress, which I still have and never asked to return. They made a mistake with my delivery and the delivery fee was supposed to be returned. However, the credit, about $600 is on my credit card, which previously had a zero balance,…
Linds
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34
votes
2 answers
Can I notify a card-holder or their bank that their card is being used fraudulently?
I'm an online merchant based in the USA, and I received an order that failed my fraud checks. I believe the "customer" is using a credit card that doesn't belong to them. I don't want to ship an expensive order only to get an unauthorized-use…
toastifer
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34
votes
5 answers
Credit card replaced due to fraud, new card has exactly the same information as the old one. How does this address the fraud risk?
My credit card company detected fraud on my account. They contacted me about this fraud, we identified fraudulent charges.
I was also told my current cards on the account would not work and I would be sent new cards.
The new cards I received have…
Freiheit
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34
votes
5 answers
How to avoid being scammed while purchasing unimproved land online?
I am currently in the process of purchasing a piece of land I found for sale online, by what looks like a small business that buys and sells land. I have had a friend in the area check out the property and made an offer. The seller's instructions…
Travis
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34
votes
13 answers
Should I spend 3/4 of my savings to buy a new car that costs about a year of my annual salary?
Since I still live with my parents I've been saving money for a while. All these savings amount to around 15 months of my current salary.
Now I need a car.
Cars are pretty expensive. I don't want to buy a used car and be stuck with mechanical…
Jason Krs
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34
votes
8 answers
Under what circumstances can a bank transfer be reversed?
Under what circumstances can a UK high street bank reverse, refund or cancel a bank transfer and do they need to contact the account holder beforehand?
I had been under the impression that if I log onto my online bank account and see that I’ve been…
Lima
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34
votes
12 answers
Excess income after fully funding all retirement accounts. Now what?
Long-time lurker, first time asker...
I have a positive problem. We are a family of four with two small kids with one working parent (me). We have very little debt: our only debt is our mortgage, which we refinanced last year down to 15 years at…
Randall
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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
votes
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
votes
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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