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Questions tagged [purchase]

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3
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4answers
327 views

Made an offer to buy an apartment, but the actual size is smaller than the one that was promised

Some time ago I decided to buy an apartment, so I started looking for one. I found one, sold through an agency, that I liked. The description on their website reported (and still reports even now as I'...
0
votes
1answer
112 views

Is it a legal requirement for a shop owner in India to give me a receipt if I purchased something in their shop?

Is it a legal requirement for a shop owner in India to give me a receipt if I purchased something in their shop? I'm asking as I purchased a SIM card in a shop of one of the main phone operators in ...
0
votes
2answers
379 views

Using HELOC for vehicle purchase: can this be done wisely?

I have a chevy suburban lined up to purchase for 10k. By my research, it has a market value of 13k. My goal is to keep monthly payments as low as possible while also being financially responsible. My ...
3
votes
3answers
281 views

How much am I saving by waiting a few years to buy a car?

Let's say I'm considering buying a new (used) car for $15k, and could pay in cash. My current car is in working condition, so I could wait a few years before buying a replacement. My question is: how ...
3
votes
1answer
201 views

Should I purchase a new car or payoff my current car first?

Background My family is growing and I find my current car (a two-door GTI) inconvenient. I am in the market for a small, used SUV such as a Tiguan, CRV, or Equinox. I will be financing and plan to ...
2
votes
4answers
17k views

Is it ok to buy something on your credit card due date?

This is my first credit card so I'm a little confused. I'm with Capital One and my due date every month is the 6th and my minimum payment is $25, and anything less than $25 (example if I have $16 on ...
12
votes
3answers
2k views

Too-Good-To-Be-True Vehicle/RV Sale?

I've stumbled across a Craigslist listing for a 22-foot RV, being sold for about $2000. It's not ridiculously old, and appears to be in great shape. Supposedly it runs well, and the current owner ...
21
votes
3answers
12k views

Is it a bad idea to buy a motorcycle with a lien on it?

I was curious why is it considered a "bad idea" to purchase a motorcycle/vehicle with a lien on it? It started when I came across an ad on Craigslist where I'm interested in buying a used vehicle. ...
1
vote
1answer
61 views

what if the appraisal value is lower than the contractual price

I have a question regarding purchasing a house. Assume the bank appraisal value is lower than the contractual price, and the seller and I cannot make agreement for a new price, will I lose all of the ...
1
vote
3answers
438 views

Do I lose the grace period on new purchases after a promotional balance transfer on some cards but not others?

I just used my credit card from Barclay Bank to make a balance transfer at 0% APR for 18 months for a 2% fee. I already paid the 2% fee, so I'm not planning on paying anything more than the minimum ...
35
votes
6answers
8k views

Electric car lease or buy?

I know the conventional wisdom for leasing vs. buying, but are the economics of an electric car significantly different than other vehicles?
-2
votes
1answer
73 views

Why do some gift vouchers have expiry dates? [closed]

It's obviously inconvenient for customers so it must be there for the benefit of the store. Is the voucher considered a liability to a business? Money has already been paid, so it's really an ...
19
votes
7answers
6k views

Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg?

For my first car, I bought a Toyota Camry. 3 years later I sold that car and I am leasing a BMW series 3. My lease will expire early next yr and I am thinking getting the X3/X5, do you recommend ...
0
votes
1answer
181 views

What is the purpose of a letter stock

What is the purpose of a letter stock more than protect a resale of the stock? Is it related to mutual funds in any way? How can an investor have access to these stocks if are not traded publicly? ...
1
vote
3answers
715 views

Leased Vehicle Return and Re-purchase

My lease term is coming up in a few months. The car has around 20k miles, whereas the lease was for 36k miles. I like the car, and I intend to buy it, however the lease end purchase price is a bit ...
3
votes
3answers
5k views

Lease vs buy car with cash?

I was planning to buy a new car for about $18000. I rarely drive and probably drive less than 5000 miles every year, but for various reasons I need a car. I am replacing my current car because it is ...
1
vote
2answers
235 views

Any creative options for purchasing a used vehicle with cash

Ok so we are planning on purchasing a used vehicle for no more then 16k. We have the cash in hand and so it got me thinking. What options are there to fully take advantage of this situation? My ...
11
votes
3answers
327 views

Is there a term for the situation where we will over-think small purchases, but not large ones?

I was recently at the record store thinking "I dunno, $10 is a bit much for this. $7...I'd probably buy it. But not for $10." That would be contrasted with a recent house we purchase where I'm sure I ...
2
votes
4answers
529 views

Should I pay off my house

I purchased my house (3 bedrooms, 2 full baths) in 1997 for $84,500. I have already made $166,500 of mortgage payments on a 9% interest rate loan. I have $53,000 left in payments. It recently ...
0
votes
2answers
181 views

How can I just pay for my order when dining with friends at a restaurant?

I was eating with friends at a diner today (Thanksgiving), and I told the waiter I wanted to just pay for my own food. But we just got a single bill for all four of us. I paid for my food (plus tip) ...
0
votes
1answer
62 views

Paying all at once or paying in installments on new purchase?

I just wonder what would be best way of paying when we make new purchase. Is it paying money at once or in installments?
7
votes
1answer
6k views

Should I use my credit or debit card when purchasing groceries?

When I go grocery shopping, I almost always purchase enough to warrant using a card rather than cash. I used to use my debit card for these transactions, but twice in the past (each incident about ...
5
votes
2answers
323 views

Is there a way to claim a car purchase in the tax return?

I purchased a car for $19K; $6K was paid upfront, and the rest is financed over 3 years. Is there a way I can deduct the car purchase in certain circumstances? This vehicle is primarily used for work. ...
5
votes
1answer
17k views

Basic bookkeeping account entries for a house purchase and mortgage?

I borrow 200,000 to purchase a house worth 250,000, putting down 50,000 of my own. The borrowing is at 5% over 30 years. What are the basic double-entry bookkeeping entries I must make to record this ...
10
votes
4answers
814 views

Saving for a non-necessity

How can I responsibly save for a non-necessity purchase? I'd like to buy a PlayStation 4. As you may know, I can't eat or live in said PS4. Buying something that is more than a week's worth of pay ...
1
vote
1answer
804 views

Buying out my leased car… residual price negotiable?

I am at the end of my lease, and considering buying it out. The residual price is $14000. I offered $12000. The dealer told me he can't negotiate the residual price because the car belongs to the ...
5
votes
3answers
186k views

What is the difference between the closing date and due date for a credit card?

I just got my first credit card ever to begin building a credit. I got the chase credit card called Freedom. I have heard so many stories of credit cards that I got a little scared and that is why ...
6
votes
2answers
499 views

Sleazy Bait and Switch Marketing — Is this legal?

I just saw a mail out advertisement for a pretty unbelievable price on a new car. The advertisement is repeated online, link here. When you start to read the fine print, you realize that there are ...
5
votes
1answer
2k views

Can I buy IPO stock during the pre-market trading on the day of IPO?

Is it possible to buy a company's stock from 8 am to 9:30 am on the day of the company's IPO using an online brokerage that is? Or does the IPO stock only become available when the market opens at 9:...
1
vote
1answer
156 views

Are all sellers required to comply with the FTC's Cooling-off rule?

I live in Texas, but the Texas rules seem to mirror the US CFR in this instance. Under 16 CFR Part 429 (and Texas Business & Commerce Code Section 39), there is a so-called FTC Cooling-off rule ...
9
votes
5answers
15k views

Are car buying services worth it?

I have to admit, all my car buying experiences have been traumatic. The car salesmen are a nightmare, the dealers are tricky, and prices are less than consistent. Because of this, through the years, I ...
2
votes
3answers
2k views

Paying restaurants in cash instead of credit card - how signficant is this?

A friend of mine (this is in the United States) said that he always pays cash when he goes to a restaurant or a business that he particularly likes, so that the restaurant owner (he often does this in ...
7
votes
2answers
975 views

New or Used Car Advice for Recent College Grad

I am a recent college grad living in Los Angeles with a current salary of $35,000 at one job and an internship at the other. I used to drive a great 93 Honda Accord, but after 365,000 miles (my dad ...
1
vote
1answer
78 views

Does ownership of a mutual fund in another account sufficient to buy more if it is “closed to new investors?”

I would like to purchase shares in a mutual fund that has closed itself to new investors. The account in which I would like to purchase the shares is in my current employer's retirement plan. I ...
0
votes
2answers
91 views

Are there loans for buying businesses?

You want a house or something, you get a mortgage. But what if you're buying up a hotel, or a restaurant? I see these things for sale online at reasonable prices but not so reasonable that I could ...
1
vote
4answers
270 views

Is it always bad to purchase a business you don't understand?

...YET. A business you don't understand yet. Say you're a random fellow. You work in, I don't know, a retail store. In so doing, you somehow build up enough money to purchase a restaurant that ...
6
votes
3answers
4k views

What's my risk of buying a house for a friend and sell back to him?

I'm in a situation and need some advice. A friend of mine is in the middle of Chapter 11. He asked me to help to buy his house and in a few months sell back to him, so he can force the bank to lower ...
5
votes
3answers
2k views

Can I get a chargeback from Visa or MasterCard if a product I bought did not match the description?

If I buy something from a retailer and later on, when I go pick up the product, I find out that it was not the same product agreed on and they refuse to give me a refund (even through they legally ...
5
votes
6answers
17k views

When to trade in a relatively new car for maximum value

I am considering purchasing a new car in the next year to replace my current car. I currently own a 2010 model year vehicle which I estimate to be paid off early spring 2012. My question is, in ...
5
votes
4answers
3k views

Can I get a discount on merchandise by paying with cash instead of credit?

I heard that if you offer to buy a car or a flat screen TV for example with all cash, you can usually get a discount instead of using credit. Is this true and has anyone tried it? I also heard that ...
9
votes
2answers
230 views

Can I recover my deposit (for a future purchase) from a company whose assets are frozen?

We recently paid a catering company $1400 as a deposit for our upcoming wedding. The company was highly recommended by a number of previous clients and had been in business for over a decade. Then ...
3
votes
2answers
4k views

How does buying stock work when orders are queued while the price is changing

Let's say we want to buy stock X at $1 We say we will buy at $1, but by the time our request arrives to the seller/transaction broker, the price has moved to $1.05 Does our request just get denied ...
44
votes
8answers
5k views

Should I buy a house with a friend?

To give some background, I currently live with a couple of friends in a 3 bedroom apartment. The living arrangement is good however I'm tired of not building equity. I've tossed the idea out for two ...
10
votes
6answers
2k views

Purchasing an extremely affordable home with 10% down VS renting and saving for 20%

Background: Current Rent: 710/mo or roughly 20% of my 3700 salary take-home pay. Wife is currently in school and will graduate in two years, at which point she will likely be making a teacher's ...
2
votes
3answers
453 views

What's the best time of a year to buy a car or a house in Canada?

Are there any months where car or house prices usually drop in Canada? Is the difference noticeable enough to justify the waiting?
3
votes
1answer
148 views

When is the best time to buy airline tickets?

How long before a flight is the best time to get the lowest fares? Do prices on fare-finding sites change depending on the time of day or day of week? When is best?
11
votes
8answers
311 views

If there's no volume discount, does buying in bulk still make sense?

If I'm buying household items that get used up (e.g; furnace filters, soap, etc.) is it still worthwhile sometimes to buy a bunch, even if there is no volume discount, or am I wasting money? p.s. ...
32
votes
8answers
5k views

I'm thinking of getting a new car … why shouldn't I LEASE one?

Why is leasing a car a bad idea?