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57 votes
Accepted

The price dropped on an item I purchased 8 days ago. What can I do?

Two options you can try: Go to the store and ask them to refund the difference. They might not, but it doesn't hurt to ask. Often stores will do this if you are within the return window because it ...
Ben Miller's user avatar
  • 116k
40 votes
Accepted

What is the data before 1999 for EUR to USD on Google?

The same wiki page says EUR replaced ECU with 1:1 rate. So history before 1999 likely represents ECU/USD rate. However, I'm not sure why is starts in 1982 then, as ECU was introduced in 1979.
rvs's user avatar
  • 446
31 votes

How can a resident of the European Union (not from UK) practically buy stocks?

If you're just planning to buy-and-hold, it is worth considering whether the value of the time you spend on searching for a cheap brokerage will not dwarf the savings. Around here (Denmark) banks don'...
hmakholm left over Monica's user avatar
24 votes

The price dropped on an item I purchased 8 days ago. What can I do?

Depending on how you paid for the item, some credit cards have price protection insurance. There are always minimums (e.g. Must be more than 10% or €150 whichever is greater) and paperwork, and ...
Mark Henderson's user avatar
21 votes
Accepted

Dispute credit card transaction with merchant or credit card company?

You should dispute the transaction with the credit card. Describe the story and attach the cash payment receipt, and dispute it as a duplicate charge. There will be no impact on your score, but if ...
littleadv's user avatar
  • 177k
19 votes

The price dropped on an item I purchased 8 days ago. What can I do?

Ultimately this is just bad luck. Prices change, especially for things like computers which become obsolete in a short time. At the end of the day a cutting edge PC is only cutting edge for about 6 ...
Chris Johns's user avatar
16 votes

Dispute credit card transaction with merchant or credit card company?

Most merchants (also in Europe) are reasonable, and typically are willing to work with you. credit card companies ask if you tried to work with the merchant first, so although they do not enforce it, ...
Aganju's user avatar
  • 37.7k
12 votes

I still have my German bank account, but I'm not residing within the EU anymore. Can I use it to receive EU income?

There is no reason why that wouldn’t work, and there should be no additional cost just for living abroad. However, the bank may bill you more for actions that actually cost more, such as sending ...
chirlu's user avatar
  • 372
12 votes

Buying an US ETF from Europe using Interactive Brokers

If you have only EU/UK tax residency, you can buy any ETF with "UCITS" in the name - those conform to the new consumer information regulations. I gather that the expense ratios often aren't quite as ...
Amanda Debler's user avatar
10 votes
Accepted

If I carry a lot of money from Germany to Spain, what can go wrong?

I'd worry about being robbed or losing the money en-route. Is it likely? Probably not. But wow, I wouldn't want to lose serious money in one shot. I have fond memories of the time I was serving as ...
Jay's user avatar
  • 22.8k
9 votes

Opening account for family in my name

You edited out the part of you assisting your sister in hiding money from the court. Read your original post out loud to yourself three times. Now what do you think? Of course it is a bad idea, ...
Pete B.'s user avatar
  • 76.7k
9 votes

How can a resident of the European Union (not from UK) practically buy stocks?

Banks that offer brokerage services tend to charge high commissions and some charge additional account maintenance fees. Therefore, it's possible that your bank may not be the best choice. Best ...
Bob Baerker's user avatar
  • 76.8k
9 votes

How can a resident of the European Union (not from UK) practically buy stocks?

(All slightly guessing: this is how things are in one or two European countries I know, and chances are your European country works similarly - but things do differ between countries - so please ...
cbeleites unhappy with SX's user avatar
9 votes
Accepted

How can a resident of the European Union (not from UK) practically buy stocks?

What you want is a simple discount brokerage. Brand names here in the US include ETrade, Vanguard, Fidelity, Charles Schwab, and others. Some of them do business in Europe (though Fidelity US split ...
Harper - Reinstate Monica's user avatar
8 votes

Dispute credit card transaction with merchant or credit card company?

As a rule of thumb, go in the order of proximity to the transaction. This would typically mean: Merchant first. This is the easiest for everyone. The merchant has motivation to keep their customers ...
TTT's user avatar
  • 47.2k
8 votes

Why do companies pay salaries rather than donations?

I think you mean a "gift". Clearly pay for work is not a gift. It's a payment for consideration (consideration means your work). Gifts don't have consideration. Passing it off as such is fraud. It's ...
Nathan's user avatar
  • 183
7 votes

How to know which companies enter the stock market?

Market Watch has an IPO calender with details of upcoming IPOs that should provide most of the information you need.
Philip's user avatar
  • 5,768
7 votes

If I carry a lot of money from Germany to Spain, what can go wrong?

A quick search shows that https://www.westernunion.com/de/en/send-money/start.html says they will transfer €5,000 for a cost of €2.90. Assuming you can do a transfer every week, that would be six ...
gnasher729's user avatar
  • 23.3k
7 votes

Is it possible to get a big personal loan for foreign investment?

It can be very difficult, but not impossible. It will depend on : your working contract (fixed or permanent?). your bank policy (there is huge difference between banks). you relation with your ...
Dupond's user avatar
  • 302
7 votes
Accepted

Will I need to worry about "structuring" with wire transfers?

In the US, currency transactions of more than $10,000 require a Currency Transaction Report (CTR) to be filled out and submitted to the Financial Crimes Enforcement Network (FinCEN). Note than FinCEN ...
TTT's user avatar
  • 47.2k
7 votes
Accepted

What happens to those huge company fines?

In the U.S, it depends on the nature of the fraud. In general, civic penalties go to the victims or the U.S. Treasury but other government agencies or states may get part of them as well. When ...
Bob Baerker's user avatar
  • 76.8k
7 votes
Accepted

With constant travel, is it possible to not have a tax residence?

No. All tax treaties (which allow personal/investment income paid in one country to get shifted to another country) require you to claim (at least in your mind; paperwork might not be needed) an ...
bobuhito's user avatar
  • 508
7 votes

Why does the Fed change rates in quarter points rounding?

I'm pretty sure it's just a policy that the Fed seems to follow. I know of no mechanical reason why they couldn't use more precise increments, but possibly for simplicity (or tradition) they choose to ...
D Stanley's user avatar
  • 137k
7 votes

Is it more financially sound to own 100% of one property or 50% of two properties?

As nearly everything, it has pros and contras. The benefit of having two assets is to be more diversified. If you have a tenant which ruins your property, and it is your only property, you are in a ...
glglgl's user avatar
  • 5,415
6 votes

I need a car for 2 years. Buy or lease (or something else)?

Speaking only for life in Germany - it would be helpful to know which European country you're moving to, as car-buying in Denmark is very different from Germany, as is car-buying in the Czech Republic ...
Amanda Debler's user avatar
6 votes

Can I force companies to accept a SEPA bank account?

This is not allowed, and there is a name for it: IBAN discrimination. Searching for that term will give you some pointers what to do about it. The EU regulation that prohibits this is 260/2012, ...
Jan Fabry's user avatar
  • 161
6 votes

Will I need to worry about "structuring" with wire transfers?

The law in the United States is related to cash transactions. It doesn't include those transactions done electronically, by wire transfer, or by check. The structuring part of the law applies to those ...
mhoran_psprep's user avatar
6 votes
Accepted

What effect will Brexit have on EU-wide Deposit Guarantee Schemes (e.g. FSCS)?

Disclaimer: This is neither financial nor legal advice. This answer reflects my reading of pertinent information as at February 2020. Reality's reading may be different. February 2020 Update: No ...
TripeHound's user avatar
  • 9,170
6 votes
Accepted

Opening account for family in my name

There are several risks to you. Depending on the details of the arrangement, you might be liable for income tax on the money apparently "given" to you, and your sibling might be liable for income tax ...
Vicky's user avatar
  • 24k
6 votes
Accepted

Why does the Fed change rates in quarter points rounding?

According to A Model for the Federal Funds Rate Target at page 13 changes as small as 6.25 basis points were sometimes observed prior to 1990 Similarly, according to The Relationship Between the ...
DavePhD's user avatar
  • 490

Only top scored, non community-wiki answers of a minimum length are eligible