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351 votes
18 answers
71k views

Best way to start investing, for a young person just starting their career?

I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into ...
Eric's user avatar
  • 4,893
148 votes
8 answers
29k views

Oversimplify it for me: the correct order of investing

I have been reading the top posts here, and the recommendations for what to invest in are often similar. What I'd like to know, in as simply of terms as possible, is what the consensus is on priority ...
user73263's user avatar
  • 1,591
40 votes
4 answers
110k views

Am I being scammed by a sugar daddy?

I met a guy on a sugar daddy dating site and we talked, I told him my situation and he said he would help. He asked for my bank account information and I told him you can use cash app or PayPal to ...
christina petty's user avatar
46 votes
2 answers
26k views

How do exchanges match limit orders?

Say a security has been trading at under $20.10, and there are limit orders selling at $20.10 and $20.21. Then Simon issues a limit order to buy at $20.21. According to this explanation, Simon would ...
xyz's user avatar
  • 775
248 votes
22 answers
103k views

If a stock doesn't pay dividends, then why is the stock worth anything?

I read somewhere that companies are not required to pay dividends to shareholders (this is correct, yes?). If so, then if company A never pays dividends to its shareholders, then what is the point ...
extremeaxe5's user avatar
  • 2,527
72 votes
6 answers
245k views

Sugar daddy wants my online banking login info to make deposits — is it a scam?

Someone is offering to pay me in a sort of sugar daddy/sugar baby arrangement. They want to make online deposits to me, and they're asking me for my online banking username and password. Is that ...
anonymous's user avatar
  • 687
218 votes
13 answers
61k views

Why would a company care about the price of its own shares in the stock market?

After a company has issued shares, why should it care if the value of the shares fluctuate? Since the shares are now publicly traded, if the value fluctuates, that is strictly a transaction between ...
Victor123's user avatar
  • 16k
173 votes
3 answers
700k views

Can someone explain a stock's "bid" vs. "ask" price relative to "current" price?

In my online brokerage account, I want to buy a particular stock and I see the following: Bid: 13.20 x200 Ask: 13.27 x1,000 the current stock price is 13.22. Can someone explain what ...
Amir's user avatar
  • 2,205
12 votes
1 answer
86k views

I was asked for a COT code to transfer money to my account. Is this a scam?

Someone gives you their bank information and asks you to log on to their account in order to transfer money to your account. When you attempt this, it asks for a COT code which you do not have. ...
Shirley's user avatar
  • 121
52 votes
4 answers
9k views

Recent graduate with new job: Choose Roth 401(k), or traditional 401(k)?

I just graduated, and I'm starting a new job soon. My employer has pretty good policy for matching 401(k) contributions, so I want to invest as much as possible, especially during this first year. My ...
Jay's user avatar
  • 675
30 votes
4 answers
7k views

How much does credit score matter?

The higher your credit score, the better. If you ever had the choice of two different credit scores, you are always better off preferring the higher one. However, while the utility of a higher score ...
Superbest's user avatar
  • 2,688
19 votes
3 answers
3k views

Why would you not want to rollover a previous employer's 401(k) when changing jobs?

Are there any valid reasons to not rollover a former 401(k) when changing jobs? I have several little ones that I never quite got around to rolling together - with an upcoming job change, should they ...
warren's user avatar
  • 3,229
277 votes
12 answers
176k views

I received $1000 and was asked to send it back. How was this scam meant to work?

Possible Australianism - netbank = a website + app by which an Aussie can do their banking, including transferring money to other people. A while ago, I ended up with $1000 transferred into my ...
Scott's user avatar
  • 4,421
21 votes
2 answers
119k views

I gave a scammer my telephone number, address, and name. How bad is it?

Updated question because old one was embarassing: I saw a spam email from "PayPal" and I didn't realize that it was a phishing attempt. I gave the phishing site my name, telephone number, and email. ...
MrColdfish's user avatar
97 votes
10 answers
94k views

Scam or Real: A woman from Facebook apparently needs my bank account to send money

A woman on Facebook recently contacted my dad. She asked him to get a bank account so she could send him money, and he would send money to her employees (about 12 people), and she would pay him for ...
Ivana's user avatar
  • 1,053
55 votes
11 answers
27k views

Why do people buy stocks that pay no dividend?

Before recently, Apple Inc. did not give dividend to shareholders. This makes me curious why people buy Apple Inc. stocks; while it might be due to the expectation of selling stocks at a higher price,...
DAKA's user avatar
  • 559
55 votes
17 answers
15k views

Why would anyone want to pay off their debts in a way other than "highest interest" first?

Looking at the math, it is clear to many people that, given a number of debts at different interest rates, if you are trying to eliminate your debt, you will pay less interest overall if you pay off ...
Ben Miller's user avatar
  • 116k
46 votes
7 answers
7k views

In general, is it financially better to buy or to rent a house?

I know this differs from country to country, from person to person (depending on how much you already have saved), but I'm curious about the simplest example. Let's say I have little to no money. I ...
user avatar
8 votes
1 answer
1k views

What is the HSA contribution limit when you are only enrolled in HDHP for part of the year?

What is the HSA contribution cap for a person that is only enrolled in a HDHP for part of the year? For example, consider a single participant that was not previously enrolled in any other health ...
arcyqwerty's user avatar
  • 1,271
129 votes
2 answers
833k views

Is it safe to give out one's bank account number?

I'm managing the utility of the house and I'm sharing with another person. He asks me to provide my bank account number, so that he can transfer his money to my account when paying the utility. I ...
Tim's user avatar
  • 5,883
50 votes
12 answers
11k views

Is it ever a good idea to close credit cards?

I have a bunch of credit cards with no balance, while others have fairly high balances. I'd like to close the 0 balance cards, but I know that will reduce my overall balance and hurt my credit rating, ...
Eliyahu's user avatar
  • 635
46 votes
3 answers
13k views

Why does demand for stock rise when a company appears to have high future value?

So a company decides to raise money by selling shares of its stock. The stock is offered at an initial price of their determination. The stock is then traded in a market where forces of supply and ...
G-Wiz's user avatar
  • 665
35 votes
4 answers
3k views

Started new job. Rollover previous employer 401k to new 401k, IRA or Roth IRA?

I recently started a new job and have a 401k from my previous employer that I don't know what to do with. Should I roll it into my new employer's 401k, a traditional IRA or a Roth IRA?
jamesaharvey's user avatar
19 votes
2 answers
3k views

Are multiple hard inquiries for a specific loan type okay?

I'm researching mortgage options for my first home purchase, and I recently had a long call with a loan officer where he encouraged me to get pre-qualified (requiring a hard credit inquiry) as soon as ...
WannabeCoder's user avatar
  • 2,065
89 votes
8 answers
229k views

Is it a scam if the person only wants to deposit into my account, not make a withdrawal?

A man in west coast Austria wants to deposit money into my account. I'm in Alabama. I had to get an online account. I did that, but he says his bank manager needs all this information: DOB ...
donna's user avatar
  • 963
55 votes
7 answers
10k views

What is the best asset allocation for a retirement portfolio, and why?

Based on financial conversations I've had with trusted family members, I believe that asset allocation is one of the more critical things to "get right" during retirement savings. Based on an ...
CrimsonX's user avatar
  • 3,397
67 votes
3 answers
14k views

Saving for retirement: How much is enough?

How to save I'm in my late twenties and am trying to get started off on the right foot saving for retirement. I have learned that retirement savings should usually be placed in retirement accounts in ...
Stainsor's user avatar
  • 3,397
25 votes
5 answers
8k views

Why are daily rebalanced inverse/leveraged ETFs bad for long term investing?

I was reading this article about S&P 500 short ETFs: https://www.zacks.com/stock/news/176217/4-ways-to-short-the-sampp-500-with-etfs and I was confused when it said: "investors should note that ...
glen4096's user avatar
  • 353
22 votes
9 answers
7k views

Investing in a leveraged index ETF for retirement. Risky?

Let's say someone has a few thousand saved in an IRA. Right now I have it sitting in Treasurys earning around 3%. Over the past 50 years the S&P has averaged around 11% per year in total returns. ...
user avatar
20 votes
2 answers
15k views

How will going from 75% Credit Utilization to 0% Credit Utilization affect my credit score?

I currently have a 75% credit utilization, which I know is not favorable on about 35,000 revolving credit. I am getting my year end bonus and plan on using that to completely pay off all of my credit ...
Jeremy's user avatar
  • 201
18 votes
3 answers
47k views

If I were to buy something a day before my due date for my credit card bill, would I be charged interest?

First of all, I am a resident of Canada. I am new to credit cards, so I hope my question makes sense. I've had my card for a few months ago and I've always paid the balance in full by the time the ...
Rendezvous's user avatar
120 votes
7 answers
34k views

Why is stock dilution legal?

What I always heard, since I was a child, was that if you own a stock share, you actually own a small share of a company. That seems to be the general consensus of what a stock share is. Well, that ...
lvella's user avatar
  • 1,347
38 votes
13 answers
38k views

Is there a good rule of thumb for how much I should have set aside as emergency cash?

I'm buying my very first home, and should be receiving the $8,000 first-time home buyers tax credit. A majority of my savings are going to the down-payment of the house, but we still have a pretty ...
Jeffrey's user avatar
  • 1,636
19 votes
2 answers
48k views

How do I correct an HSA distribution when I was refunded by a health provider?

At work I'm covered by an HDHP with an HSA. My dentist has the policy of estimating the amount that my insurance will cover and asking for the remainder at the time of service. On my most recent ...
Spig's user avatar
  • 769
10 votes
4 answers
6k views

How is stock price determined?

Is stock price determined only by the last trade that takes place? For example, if a stock I own is trading at $3.42, and I place a Sell Limit order for $0.00, will the stock price temporarily dip to ...
pop850's user avatar
  • 256
33 votes
6 answers
5k views

Strategies for putting away money for a child's future (college, etc.)?

So my wife and I will be having our first child at the end of the year, and I'm trying to devise a strategy for things like putting money away for the little person now, while I have the time and ...
duffbeer703's user avatar
  • 30.4k
24 votes
3 answers
2k views

If low-cost index funds are considered the best investment, why are there so many high-cost, managed funds?

The general consensus is that the single best indicator of a fund's future performance is the its expense ratio (source). If you look for more than 5 minutes online you discover the Bogleheads ...
Dang Khoa's user avatar
  • 540
9 votes
1 answer
8k views

Withdrawing HSA excess contributions?

I just got married a couple of weeks ago. I have a self-coverage only HDHP through my employer, with an HSA funded by my employer ($3000 per year). My husband has a family-coverage HDHP through his ...
C. Sharp's user avatar
94 votes
12 answers
12k views

Where can I park my rainy-day / emergency fund? Savings accounts don't generate much interest

Savings accounts don't seem to generate much interest. What other options do I have for my emergency fund?
S. Chang's user avatar
  • 1,145
48 votes
8 answers
14k views

How to organize bank accounts with wife

My wife and I are recently married, both of us are working hard. At the moment we currently have the same system as prior to our marriage. Which simply put is that both of have our own bank accounts ...
Carol.Kar's user avatar
  • 593
38 votes
2 answers
48k views

How are long-term capital gains taxed if the gain pushes income into a new tax bracket?

First, my understanding is that the long-term capital gains tax rate is 0% for those whose marginal rate on ordinary income is 10% or 15%, and (ignoring the highest 39.6% bracket) the rate is 15% for ...
Lee Hachadoorian's user avatar
38 votes
11 answers
12k views

Why do people claim that it's hard to outperform the S&P 500? It has only increased in value by ~1.5x in the past 5 years

Whereas companies like Google, Facebook, Netflix, Amazon, Apple have all increased anywhere from 3x-6x in value in the past 5 years. If you just stuck with those companies, you would have easily ...
Eric Gumba's user avatar
35 votes
2 answers
3k views

What are the important differences between mutual funds and Exchange Traded Funds (ETFs)?

I've been considering, but haven't committed myself yet to investing in Exchange Traded Funds (ETFs), but have to admit that I don't yet fully understand the use-case for them. What factors are ...
JohnFx's user avatar
  • 53k
27 votes
2 answers
59k views

How to find historical stock price for a de-listed or defunct company?

With services like Google Finance or Yahoo Finance it is very convenient to find the historical stock price metric of a listed company, but if the company is not listed, I can't find the data. For ...
AGamePlayer's user avatar
  • 2,527
12 votes
4 answers
64k views

What does "more buyers than sellers" in technical analysis of stocks actually mean?

I often hear/read technical analysts looking at volume and price action on a chart and claiming that there are "more buyers than sellers" or vice versa. Since every trade requires a buyer and a ...
Brian's user avatar
  • 398
8 votes
4 answers
4k views

Achieving ideal credit card utilization above 0%

So everyone is aware of the general rule that you should keep credit card utilization below 30% of your credit limit. It's also a good idea to keep this utilization above 0%. It's very easy to stay ...
wired_in's user avatar
  • 228
47 votes
9 answers
261k views

How do rich people guarantee the safety of their money, when savings exceed the FDIC limit?

I am curious how a millionaire would guarantee the safety of his money, given that the FDIC only insures up to $250K of an individual's deposits at a bank. If someone had $3 million that they wanted ...
7529's user avatar
  • 3,753
33 votes
7 answers
124k views

Can I open a US bank account even if I don't live in the country?

I'm Swedish, but living in Switzerland at the moment. Can I open a US bank account? Either when in the US on vacation or through the internet/phone? There are lots of situations when I find myself in ...
Erik Tjernlund's user avatar
31 votes
3 answers
3k views

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?
user avatar
18 votes
4 answers
1k views

Why would I buy a bond with a negative yield?

The only reason that I can think of is because I expect the bond to appreciate in price thus offsetting the loss in yield. I could still end up with less money than I started with, if I hold the bond ...
Ellie Kesselman's user avatar

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