A security (also known as a financial instrument) is a tradable asset of any kind. For questions related to a specific asset class, use a specific tag, e.g. "stock" or "bond".

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1answer
613 views

Am I putting myself at any security risks by putting all my money in one bank institution?

Currently, I'm putting all my savings into one bank institution, but spread into several accounts. Are there any security risks in this approach? It is convenient for me as all my money can be ...
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2answers
105 views

How to safely pay with VISA online

Usually I can get away with PayPal for online purchases, but sometimes I come across a website that only accepts VISA card. I refuse to use my VISA card, as my account contains all of my money, and ...
4
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1answer
619 views

How a company in India can misuse my PAN number and its scanned copy that I provided as an interview candidate?

Two companies in Bangalore and Pune (India) asked me to send PAN number (government ID number used as ID for income tax return and transaction, like social security number in the US) and scanned soft ...
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2answers
39 views

Do any publically available documents from IR or SEC include all patents the company holds?

What documents contain information about the specific patents a company holds for the sake of investors? For example, Apple Inc. 10k, states among other things: The Company currently holds rights ...
3
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2answers
138 views

What constitutes illegal insider trading?

The SEC defines illegal insider trading as: [...] buying or selling a security, in breach of a fiduciary duty or other relationship of trust and confidence, while in possession of material, ...
3
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2answers
118 views

Using credit cards online: is it safe?

Since I started using payment cards online, I have completely no understanding about how these payments are secured. Whenever I pay online no matter for what, I'm usually asked to provide all ...
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1answer
71 views

Is there a Fannie Mae and Freddie Mac for Canada

In the Open Yale Financial Markets Course, Prof Schiller says at 57:40 that Canada Housing Mortgage Corporation is same as Fannie Mae/Freddie Mac. Are there any differences? Can I buy CHMC shares ...
3
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1answer
87 views

What to do with documents from a closed bank account?

Is there any danger in throwing away bank documents including personal information from a bank I no longer have an account with? To be more specific, I am moving from the UK to the US and have in my ...
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2answers
53 views

Why are there OTC securities and whether they're limited to institutional investors?

What are some things that may lead a person to consider dealing in OTC securities? They are not publicly traded on exchanges, there is no regulation around them, they are risky because it is harder to ...
2
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1answer
160 views

How to protect your checking account from unauthorized transfers?

I have been thinking about how unsafe a checking account is. Every time you give a check to someone, you are providing your routing number, your account number, your bank, and your name, so I really ...
2
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1answer
115 views

Is Investments by Bodie just an expanded version of Essentials of Investments?

I'm looking to start learning about hardcore securities analysis and I see a couple MBA courses that use Essentials of Investments or Investments both by Bodie, Kane, and Marcus. Investments is about ...
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1answer
38 views

Are individual securities transactions archived by the U.S. government?

I'm looking for documentation of historical security trades (buys and sells) and am wondering if there is a U.S. government agency that maintains archives of individual transactions. If so, how long ...
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3answers
394 views

Do any banks issue one-per-vendor credit card aliases / unique numbers?

It seems that compromised credit card numbers have become a cost of banking--often through no fault of the bank or the consumer. But getting a new credit card number is a real pain in the neck--you ...
8
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6answers
484 views

How do you maintain your personal financial account #s and passwords?

I've done the larger estate planning questions for myself and my growing family, but on the less tangible and digital keys, how do you maintain a list of your financial information? I know nearly all ...
13
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5answers
4k views

Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there?

I want to buy something from a VERY REPUTABLE Asian seller. They've got a lot of good references all over the internet. The only thing is, they are quite old-fashioned and so is their website. They ...
3
votes
1answer
241 views

Is it legal for a hostel to write down my debit card information for security purposes?

I just moved to Manchester and I'm staying at a hostel. I booked a bed online via hostelworld.com. What bothers me is that a receptionist asked me to give her my debit card in order to ensure some ...
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3answers
1k views

How to avoid Paypal holding incoming payments?

What just happened: A client payed for a service (software development) by PayPal. For sending, he used a different account than previously. After receiving the money by PayPal, I immediately ...
5
votes
1answer
472 views

What Canadian banks offer two-factor authentication (such as password & token) for online banking?

None of the Canadian financial institutions I deal with offer multi-factor authentication. They only use a password/pin, plus laughable "security questions". Are there any options for Canadians ...
3
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1answer
83 views

What securities is Return of Capital applicable to?

I am trying to understand to which securities Return of Capital is applicable; I'm especially interested in stocks. From Wikipedia: Return of capital (ROC) refers to payments back to "capital ...
3
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1answer
96 views

Who ultimately receives principal and interest of a mortgage payment?

So the mortgage is bundled and sold as a securitized instrument in tranches, etc. That explains the contract side of a mortgage. When an individual makes a monthly payment on that mortgage, how does ...
2
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2answers
263 views

US Banks offering Security Tokens in 2012

I'm wondering what banks in the US offer security tokens (keyfobs or an Android app serving the same function). I'm having difficulty digging up any details about this, since every bank happily claims ...
0
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1answer
94 views

Are bank accounts (same bank) accessible from outside of the U.S

This is a bit of a subjective question, perhaps more of a safety concern. I currently bank with Citibank (U.S), and since I know they have branches in other countries, could bankers in those other ...
4
votes
2answers
2k views

Meaning of capital market

From Wikipedia A capital market is a market for securities (debt or equity), where business enterprises (companies) and governments can raise long-term funds. It is defined as a market in ...
5
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2answers
883 views

Valuation, pricing, and analysis of securities

I was wondering what differences are between valuation and pricing of securities? To me, they seem identical and for identical purposes. If not, what is each of them trying to get from what is ...
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1answer
109 views

Are Square Tabs secure?

My barber takes credit card payments using the Square reader and his iPhone. I get the receipts via text message. The text messages include a link to the Square site that allow me to create a "Tab" ...
2
votes
1answer
707 views

How do I shield or protect my 'chipped' card from thieves? (block the RFID transmitter)

I read an article in the news today called "Police caution that credit-card chips make it easier for thieves". Apparently, because the chips are transmitting a radio signal (an RFID), this signal can ...
4
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1answer
87 views

What should I include on a security checklist for choosing a Tax Preparer

I am considering an in-person Tax Preparer vs doing it myself online. I feel a little safer doing it online, but an in-person Preparer can offer advice for complex Tax situations. My concern is that ...
6
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1answer
1k views

Protecting an elderly parent's assets / medicaid look-back

I've been asked by a senior to investigate: What are the things one needs to keep in mind with the issue of an elderly parent with some assets (house + some savings) who may need to enter into a ...
3
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1answer
108 views

Do “safety cheques” really provide added security and reduce fraud?

I came across an article/advertorial, in print, describing the virtues of safety cheques. Safety cheques are purported to be a good tool for fighting cheque fraud. The features of the cheques ...
3
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1answer
342 views

Which institutions in Canada offer true read-only guest accounts?

I've been reading a lot about Mint.com and Yodlee, but I just can't get over the fact that they store a set of credentials which could be used to empty your bank account if they fell into the wrong ...
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3answers
327 views

Is a “secure key” token for authenticating to online banking really more secure?

I have one of these secure key things, that I have to use to log into my bank account. It is extremely annoying, and makes mobile banking awkward. So I want to know if it's worth it. The key, once ...
2
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1answer
76 views

Security of Online Bank/Brokerage/Mutual Fund Accts?

Online bank/mutual fund/brokerage accounts and electronic transfers make it easy to move money around. However, I've started to wonder a little about the security. Assume for the sake of argument ...
5
votes
1answer
89 views

How to tell if you can trust a loan company?

What do you look for? Good UI design? BBB accreditation? Yelp, NYTimes mentions? What should I expect of the customer service when making my decision to take out a loan? What information should I ...
4
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1answer
2k views

Which banks / companies offer virtual or instant credit card services in the UK?

I'm looking to make a small number of hotel and guest-house reservations, and thought that generated credit card numbers with defined limits would be a good idea. Which companies provide such ...
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2answers
699 views

What is a negotiable security and how are they related to derivatives?

From Wikipedia, security is defined as: A security is generally a fungible, negotiable financial instrument representing financial value.1 Securities are broadly categorized into: * debt ...
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4answers
2k views

Why does my bank suddenly need to know where my money comes from?

Today I went to my brokerage acct for Wells Fargo and the page said that online trading was suspended. So I called them and the rep said, "we need to know where your money came from." This is an odd ...
2
votes
1answer
2k views

Will I be able to identify the ATM surveillance footage from the bank where my money was stolen from?

I recently discovered unauthorized ATM withdrawals from an account I rarely use. The amounts were small ($40-100) over several months. I searched for my ATM card to this account and could not locate ...
9
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2answers
186 views

What do I do with the paper check when I make a deposit over the Internet

Just opened an account at a credit union that allows me to make deposits over the Internet with my scanner and a Java app. I assume I need to keep the actual check for at least until the money shows ...
5
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2answers
309 views

Does any online payment system use OpenID authentication?

Does any online payment system (something like PayPal or the web site of a banking institution) make use of OpenID?
2
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6answers
236 views

Are PINs always needed for paying with card?

I'm a little concerned because I just payed to get access to Spotify Premium and it only asked for my card number and 2 other details that were on the card. Nothing like a PIN. Also I noticed that at ...
2
votes
1answer
468 views

What are the available credit card companies that offer virtual credit card number generation?

What credit card companies offer virtual credit card number generation for one-time purchases for extra security over the Internet? I heard that PayPal offers this for their debut card, but am not ...
2
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1answer
324 views

Security freeze on my TransUnion credit report

I run a credit check on myself every couple months just to make sure everything looks good. Well today I received this message on the report: *SECURITY FREEZE: THE FOLLOWING CREDIT BUREAUS REPORT ...
6
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2answers
935 views

How do credit card payments work? What ensures the retailer charges the right amount?

If I buy book from an online shopping site via my credit card, how can the retailer get money from my credit card? What is in place to ensure the retailer gets the exact amount of money I should pay, ...
18
votes
5answers
8k views

What U.S. banks offer two-factor authentication (such as password & token) for online banking?

Do you know of any US banks that allow you to have two-factor authentication (i.e. password and token) for your online account? Paypal does that, but it's not really a bank. For some reason banks seem ...
10
votes
6answers
13k views

Why do some online stores not ask for the 3-digit code on the back of my credit card?

How is it that some e-commerce stores are able to process credit card transactions without getting the 3 (or 4-) -digit security code from the back of my credit card? What value does this code add if ...
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votes
4answers
2k views

Why activate credit cards? What is the purpose of credit card activation?

A number of credit card companies - almost all of them - ask to "activate" credit cards when sent to me. Usually it involves calling the phone on the sticker and typing in whole or partial card ...
4
votes
5answers
241 views

How do I create the illusion I don't have anything valuable, so thieves wouldn't want to steal from my home?

There's a question on DIY SE asking how to secure the house from intruders. One of the answers is to not have anything valuable or at least to not appear to. Can the illusion that a person doesn't ...
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7answers
5k views

Safe method of paying for a Gym Membership?

After looking into joining a gym, I can't help but notice that all of them require a credit or debit card or a checking account number to join. I've also noticed that the contracts they require you ...
2
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4answers
168 views

What's the fuss about identity theft?

I know, people can steal your money, or can borrow money in your name, etc. But in the end you should be able to demonstrate that you didn't do that, right? What would worry me is somebody getting my ...
12
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9answers
663 views

Who uses safe deposit boxes?

What items would an average person keep in a safe deposit box? Sounds like most of the documents (passports, birth certificates) can be restored.