All Questions

Filter by
Sorted by
Tagged with
3
votes
4answers
8k views

Which banks have cash-deposit machines in Germany?

Which banks in Germany have machines that you can put cash in and it appears on my bank account (opposite of cash withdrawal)? I am not interested in the kinds that you put the cash in the envelope ...
7
votes
1answer
589 views

Should I try to consolidate my student loans? If so, how should I do it? What traps should I watch out for?

I recently graduated with my Bachelor's degree in Computer Science. I now have student loans to pay off. I've heard that something that should be done with your student loans is consolidation, but I ...
9
votes
2answers
4k views

Why does a no-load fund have transaction fees? Isn't that a contradiction?

According to Scottrade's website, the T. Rowe Price Retirement funds are "No-load" but at the same time "Transaction fees apply". I thought the whole idea of No-load funds was not having any ...
2
votes
1answer
245 views

Correct Ways of Importing Personal Finance Transaction Data

I want to transfer my financial data ( years of it!!) from Buxfer to yet-to-be-known online personal finance web app. I tried to download my data in both .qif and ofx format. I tried to import the ...
2
votes
2answers
545 views

We received the first HST payment but we got a notice of an error. Will we still get our next HST payment?

We received the first HST payment. However, something was wrong on our taxes. We got a notice a week or so ago saying that we now owe, because our rent receipts -- that we handed in -- got lost. ...
8
votes
4answers
590 views

What is an alternative to bank CD accounts that would pay slightly more interest?

I am looking for an FDIC (or other reliable body) insured account that pays more in interest than CDs. What is the next step up, interest wise, from CDs, even if it means tieing up the money longer ...
42
votes
7answers
116k views

Can't the account information on my checks be easily used for fraud?

My Bank of America checks contain my routing & account number, which I've used in the past to make purchases online, among other things. Anyone whom I pay with a check has this information. It ...
2
votes
1answer
2k views

What kind of Quicken account should I use to track an adjustable complife policy?

I have an Adjustable CompLife policy that I want to track in Quicken. What kind of Quicken account should I use?
10
votes
4answers
498 views

Is there value in using a credit card for the sake of using it?

We've recently (last 6 months or so) paid off several of our cards completely, and are working to pay down our last, highest utilized card. We don't generally need to charge much and can pay in "cash"...
3
votes
4answers
586 views

No-line-of-credit debit card?

Are there any "devices" that can be used to make on-line purchases like a credit or debit card but which will never have an attached line of credit? In particular what I want is a card that, when the ...
7
votes
3answers
287 views

When should I start thinking about a will?

What would happen with my savings on a bank account and personal property in a case of death? I don't have a family, only a brother and separated parents. Do I need to think about a will?
9
votes
4answers
14k views

Calculate annualized return on stock with multiple transactions

I understand how to calculate the Annualized return on a stock when I have single purchase ie (principal + gain/principal) ^ (365/days) - 1 but how is it calculated when I have multiple buys and ...
4
votes
2answers
890 views

Sources or web sites for longer-term economic and financial forecast information?

I was looking for a source of economic and financial forecast information. I have already checked the IMF and the OECD, but they have forecasts up to 2011. Is there something with forecasts up to 2015?...
20
votes
5answers
10k views

Why did gold prices drop in 1981?

Anyone know why gold prices drop by $400 an ounce in 1981? http://www.kitco.com/scripts/hist_charts/yearly_graphs.plx
3
votes
1answer
545 views

Calculating fair value of an oanda.com box option

How do I calculate the theoretical "fair value" of an oanda.com box option? More specifically, how do I calculate the probability that a given FOREX parity will enter a given range in a given period ...
4
votes
1answer
540 views

How to find trailing 5-year stock returns for 1980s?

I am trying to find the top gaining stocks in the 1980s based on the trailing 5-year return. For example, I want to know the top performing stock for 1975-1980, 1976-1981, 1977-1982, etc. I don't ...
9
votes
7answers
11k views

What to do with an expensive, upside-down car loan?

Unfortunately, my wife had a car before we got married. She got the car a year or so before we met and now we still have the car. Her mother offered to pay for the car (my wife was still a student at ...
7
votes
3answers
1k views

Any advantage to exercising ISO's in company that is not yet public?

I have ISO's in a private company and am trying to decide whether there is any advantage in exercising them. The price is low enough and my confidence in the company is high enough that I am ...
5
votes
3answers
222 views

What debts are both partners liable for in a 'community property' state?

I've just come across this article over on the mintlife blog and noticed that I do live in one of the ten community property states. I'm not overly familiar with this particular concept (keep in mind ...
7
votes
4answers
354 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 ...
4
votes
1answer
126 views

How to keep an eye on identity theft while away and out of the country?

Greetings, I have been relocated by my company to the US and lived there for a few years. Now I'm back home. Being away I'm suspecting that I'm more susceptible to identity thefts. I'm looking for a ...
-1
votes
2answers
136 views

What does volume mean on a weekly chart

For a weekly chart, I know that: open price means the opening price on Monday previous price means the previous price on Monday last price means the last price on Friday high price means the highest ...
9
votes
4answers
958 views

Is there a downside to asking for a credit increase?

I have a $500 limit, and probably below average credit history. Is there a downside to asking for a credit increase?
4
votes
4answers
2k views

What are the common moving averages used in a “Golden Cross” stock evaluation?

With stock evaluations, we have the "golden cross" event where short and long term moving averages cross over and we have a potential bull market soon. I have seen some definitions use the 200 day ...
3
votes
3answers
110 views

What is the best way to determine the value (balance of reliability and cost) of an insurance company?

How can an individual determine how reliable or likely an insurance company is to pay on their claims? I'm trying to balance two things here - cost of premiums and reliability of paying claims. I have ...
13
votes
1answer
14k views

What are Vanguard's Admiral Shares?

What are Vanguard's Admiral Shares? I recently heard about them, and I'm not sure how they differ from the normal shares of their mutual funds I have.
2
votes
2answers
1k views

[UK] What are the consequences of transferring ownership (not selling) a vehicle on tax, licensing and future resale value?

Many cities in the UK won't sell more than one parking permit per person. I didn't realise this when buying a second car and now need to transfer one of them into my wife's name (who uses one of the ...
3
votes
3answers
333 views

Do I need another health insurance policy?

I am 24, single, no dependents, and provided with a co-terminus health insurance policy by my employer. I understand that if I have multiple health insurance policies, I can only make claim from only ...
7
votes
4answers
453 views

How can I spend less?

I was raised in a lower class family, and we never really had money for anything we wanted. Now, years later, I have a job and I feel like I can't stop spending. I see myself buying useless things and ...
5
votes
3answers
2k views

I am looking for software to scan and read receipts

What are people using to scan and archive receipts? The only software I've found that does this is NeatReceipts. Does anyone recommend it? http://www.frys.com/product/5734692?site=sr:SEARCH:...
3
votes
1answer
236 views

Are interest bearing checking accounts (rewards checking) covered by FDIC?

I see a lot of banks offering rewards checking accounts (maintain the account in an active status by doing x transactions/month,direct deposit, paper less statements etc, in return you yearn high apy. ...
9
votes
6answers
2k views

Emptying Low Balance Gift Cards

I often get gift cards (sort of like a debit card) and I usually end up using them to make online purchases. However, I often end up with a couple dollars change. Is there a way to deposit the ...
7
votes
2answers
177 views

IRA conversion when part of the contributions were non-deductible. Taxes owed?

I have a traditional IRA, which has money which has been contributed three different ways: deductible IRA contributions non-deductible IRA contributions rollover from 401(k) I'm looking at ...
8
votes
6answers
13k views

When's the best time to sell the stock of a company that is being acquired/sold?

My company is considering selling itself, and the stock has has gone up 50% in value in the last couple weeks. How long should I wait to sell my stock? Should I wait for announcement of offers? Hold ...
5
votes
5answers
6k views

What are the differences between an investment mortgage and a personal mortgage?

I am researching purchasing a three unit brownstone in Washington DC to serve as a rental. I am comfortable with my understanding of a personal mortgage, but don't fully understand how an investment ...
3
votes
2answers
234 views

What is APR when looking at mortgages?

When looking at mortgages they all have an APR figure "for comparison". What does APR mean, and how does it allow you to compare the products?
3
votes
9answers
784 views

What's the fuss about Credit Score / History?

I have seen a number of questions about improving or checking your credit score / history. I think a Wiki would be a good idea to deal with these questions. My feeling is there that you shouldn't ...
9
votes
3answers
469 views

Can you tell how much mortgage payments will be after the fixed term?

We're looking to buy our first house, and are considering the different options for a mortgage. We are in the UK. We're having trouble comparing the options because it seems that you can only tell ...
4
votes
2answers
109 views

Applying for and receiving business credit

I have a friend who has started up his own business. Right now it's a one man operation. The problem is, as most businesses, he needs access to capital in order to purchase equipment for ...
4
votes
1answer
109 views

How to do long-term financial planning if your career is expected to be international?

I am thinking of getting life insurance and starting to think seriously about retirement (I'm going to turn 30 next year), but I expect that I will live in a couple of different countries over the ...
4
votes
3answers
408 views

How do I add my income to my personal finance balance?

I've never understood accounting really, apart from the basic concepts. Supposing I want to keep a better track of my money, I'm using Excel at this moment. I guess I need to move to some double entry ...
5
votes
2answers
231 views

How to compare current mortgage to re-finance?

I'm trying figure out how long it will be to recoup the cost of refinancing our present mortgage. I'm doing this for 2 reasons a) b/c the interest rate I could get is about 0.75% less than I pay ...
7
votes
3answers
2k views

Checking/Savings accounts that have sub-accounts

I like to use the envelope system for budgeting, but I can't escape the convenience of debit cards, so a few months ago I set up 5 debit cards, one for my primary account, food, gasoline, household ...
3
votes
1answer
1k views

Will 5 years on OSAP's Interest Relief result in a one-time, permanent loan reduction on the order of 50%?

I was told by a friend that if you qualify for OSAP's Interest Relief for 5 consecutive years, then OSAP will offer to perform a one-time permanent Loan Reduction. This Loan Reduction, as I'm told, is ...
10
votes
4answers
283 views

Do I need a business credit card?

Do I need to have a business credit card for my own company or can I use my personal credit card and just make sure I keep the records. I don't have a lot of expenses so keeping the records is not a ...
5
votes
1answer
60 views

IRA for work and my business

I have a normal day job and another side business. Is it okay to have an IRA and a SEP IRA?
26
votes
5answers
40k views

Credit Card Newbie - If I pay off my balance every month, what am I actually paying?

So I have never owned a credit card in my life, and am trying to get ideas as to how they work. Sorry if this is too simple a question... Lets say I have a credit card, and in one month I charge $...
12
votes
6answers
16k views

Is it worth it to pay extra on mortgage payments if I am not planning to stay in the house for 30 years?

So my wife and I are in the process of buying our first house. It is a nice house, and we got a smoking deal on it. However, we do not plan to live out the 30-year mortgage we are getting in this ...
5
votes
5answers
62k views

Where can I get a car loan for roughly $2000?

I'm looking to buy a new car and have found one that I really like. It is priced at $4500 (with taxes). I currently have $2700 in my savings account. I would like to get a loan for $2000 (leaving me ...
4
votes
2answers
130 views

Should I invest in a Health Insurance +1 policy from my Employer?

Hi Personal Finance Fans, Here is an easy question for all the economic gurus in this forum. I am currently working for one global corporation. My wife is working for a big USA organization. ...

15 30 50 per page