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

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1500 questions
31
votes
9 answers

Why are dividends different from property income like rent?

My question should be more like: why dividends are inseparable from the appreciation of a stock's price? The common explanation is something like: Stock A pays a $10 (10%) dividend and a share is worth $100. Stock B pays no dividend and is also…
MrMineHeads
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31
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8 answers

Email asking for CVV, two days after I make a purchase?

Two nights ago I made a purchase from a website, and it didn’t ask for my CVV. Now, I woke up to an email asking for it. It hasn’t gone through my account yet. Is this as shady as I’m making it out to be? Here is the text of the e-mail message I…
Kat
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31
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3 answers

What is the difference between salary and bonus with respect to taxes?

Let's assume one company offers 200k salary and another 100k salary and 100k bonus at the end of the year. Is there a difference for me at the end of the year (after all taxes are returned)? The reason behind the question, is that I have seen people…
random
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31
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10 answers

Could I make money off of the negative oil price?

I saw the price of oil did something at about 1 PM Eastern time that is really bizarre: it went negative. This means that you get paid to take oil off the field. But, the oil price is negative now, and I think it could go lower. So, I would like to…
Number File
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31
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6 answers

Why should I care about short term stock market fluctuations?

I understand that the stock market is important. Even when people don't directly invest in it, they might still have pension savings which will be invested in the stock market. Returns over a 20–50 year period thus make a real difference to…
gerrit
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31
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3 answers

What are the pitfalls of loaning money to friends or family? Is there a right way to do it?

What are the pitfalls of loaning money to friends or family? Is there a right way to do it?
unknown
31
votes
6 answers

How can I force a bank to close my account with them?

I'm trying to close a US bank account and they won't take my no for an answer. I've called many times and they say something like "we're confident that you'll want to come back, and you have our word that we won't start charging fees". I keep saying…
NoFi
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31
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7 answers

Is there any reason a person would voluntarily choose to have PMI?

Private Mortgage Insurance (PMI) seems to be treated as a necessary evil. Inquiries about pmi on this site and elsewhere almost always revolve around avoiding it - how to avoid being required to purchase it, how to cancel it, or how to stop…
Robert Columbia
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31
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4 answers

Why should I invest so much in 401(k)?

I am 24 yrs old and am making $60,000/yr while saving ~41% of that. 28% of which is going to my Roth 401(k) and the rest is going into a TD Ameritrade and a small amount into a Robinhood account (both managed by me currently). While I was reviewing…
JoeBo
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31
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9 answers

Should a middle class person emulate a very wealthy investor for % of cash hold?

Warren Buffett is keeping $128 billion that can be deployed when stock market goes down. Should a middle class person hold little more of their investments as cash? Suppose if the person is responsible (no debt other than home) and with 3 month of…
Raj
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31
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5 answers

What can I actually do with a high credit score?

I recently checked my credit score via two of my credit card providers. It seems to be hovering between 790 and 815. One service brands the score it provides as a FICO score and the other specifically says its score comes from Transunion. What can…
Freiheit
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31
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8 answers

Why would anyone ever invest in a cash-only etf?

I understand the benefits (and risks) of ETFs, and I also understand the benefits of a term deposit in a bank. I have seen that there are ETFs that essentially keep the investment in cash, that is, in term deposits, for example the iShares core…
Juan Antonio Gomez Moriano
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31
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4 answers

Transfer over $10k

I recently realized that most of my money is going into my checking account where it's just sitting there losing value due to inflation, etc. I want to open a savings account at a different bank (which has high APY) and move most of my money there…
Peprikus
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31
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7 answers

Do I need life insurance if I can cover my own funeral costs?

I'm fairly well off and could cover the cost of a funeral out of personal savings and investments. I'm also single, in my late 20s, and live alone. Unfortunately, my family (parents and siblings) aren't as well off as myself. They will receive all…
Steve
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31
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6 answers

What to do when a job offer is made but with a salary less than what was asked for?

I got a job offer this morning from a place I interviewed at yesterday for a front end developer position in nyc. I told them my salary expectation is 75k in the email to which they responded to set up the interview. I don't like haggling, so for me…
JakeRow123
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