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    • Showing only topics in ~finance with the tag "finance". Back to normal view / Search all groups

    2. Debit card that matches the protection of a credit card?

      Ask (recommendations)
      So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the...

      So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

      8 votes

    3. Does anybody know why transactions don't include metadata about the products bought?

      Ask
      It's 2024 if I remember correctly and budgeting is a fairly common practice. Companies are obsessed with data. Yet when I got to the store and buy a videogame, dap drywall joint compount, and 3...

      It's 2024 if I remember correctly and budgeting is a fairly common practice. Companies are obsessed with data. Yet when I got to the store and buy a videogame, dap drywall joint compount, and 3 avocados the transactions is just the store and the amount. It'd be nice if I could track what I've been buying, categories them into entertainment, home improvement, and groceries respectively.

      I'm guessing this information actually is tracked but is only used for marketing purposes. But I'm curious, does anyone have more information on why transactions can't at least optionally support extra metadata about what was actually bought?

      19 votes

    5. I grew up in Michigan but currently live in Georgia. My GF and I are looking at buying a house, and both states have first time home buyer incentives, but they're income based.

      Ask (advice)
      So we make about $100,000 combined, I make just shy of 70K and she makes about 30K. Both states have programs for first time homebuyers, but our incomes together prohibit us from qualifying,...

      So we make about $100,000 combined, I make just shy of 70K and she makes about 30K.

      Both states have programs for first time homebuyers, but our incomes together prohibit us from qualifying, whereas separately we both qualify.

      Would it be considered fraud if I were to apply for one as myself, get the house in my name, but we both pay on it? I can't find anything on either page about it, but obviously we are not legally married.

      11 votes

    6. What's the best way to avoid scams when being paid by strangers on the internet?

      Ask (advice)
      Ugh. Scammers are everywhere, and I know I'm getting them in my inbox and junkmail, but I need a way to know who I am wasting my time on and who is a real client. My current client doesn't seem to...

      Ugh. Scammers are everywhere, and I know I'm getting them in my inbox and junkmail, but I need a way to know who I am wasting my time on and who is a real client.

      My current client doesn't seem to speak in the usual way (for example saying "you have replied to me perfectly" in response to me asking "Please let me know if this works for you or if you wish to negotiate"). They want to pay me via a cashier's check. I just now told them I only accept PayPal payments (that is what I've always used). Waiting for a response now.

      So my question is, which of these would be the most secure method of payment to use over the internet, with strangers, where contact is via email?

      PayPal
      Wire transfer
      Cashier's check
      Other (write in comments)

      19 votes